Cloaked

Cloaked

Product Counsel AI and Financial Services

New York, NY · Senior · Full-time

Sponsorship not specifiedDetected 42 days ago
Procurement

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Cap-exempt (no lottery)0
Sponsors this role80
Entry-level history0
PERM / green-card track0
Lottery odds40
Fits your clock70

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About the role

  • The core mandate is to operate as a product lawyer, not just a reviewer at the end of the process.
  • Because this is a lean legal team, you will also have opportunities to take on adjacent corporate and general legal matters.
  • Deep financial-services expertise remains important, but the strongest candidates will pair it with product counseling instincts and comfort navigating AI, privacy, and data issues.

Responsibilities

  • Serve as embedded Product Counsel for Cloaked Pay and other AI-enabled privacy, identity, and financial-services products, partnering directly with Product, Engineering, Design, and Compliance from ideation through launch and ongoing operation.
  • Lead legal work across the Cloaked Pay ecosystem, including issuing-bank/BIN-sponsor relationships, program managers, processors, tokenization and network partners, cardholder terms and disclosures, funding and settlement structures, disputes, and related vendor arrangements.
  • Own and negotiate product-enabling agreements, including enterprise and end-customer agreements, AI/model and data-provider agreements, MSAs, SOWs, order forms, DPAs, NDAs, procurement agreements, partnerships, technology integrations, and vendor contracts.
  • Partner with Product, Sales, Partnerships, and Engineering to move product launches and agreements forward efficiently while protecting the issues that materially matter to Cloaked.
  • We have two floors of our building, with two state of the art kitchens packed with drinks, snacks and everything else you'd need to get through the day.
  • We are really excited about having you join our mission-driven team and help us build the future of online privacy!

Requirements

  • You have strong judgment and low ego - you know when to push, when to compromise, and when to bring in deeper expertise
  • Approximately 7-10 years of legal practice, with meaningful product-counseling experience and strong exposure to financial-services, payments, banking, credit-card, fintech, privacy, or AI-enabled technology products.
  • You have applied the rules to live products and can translate them into practical product and compliance decisions.
  • You are comfortable owning negotiations rather than simply advising from the sidelines.
  • Comfort operating in a startup environment where Product and Engineering move quickly, the legal team is lean, and the right answer is often practical rather than academic.

Nice to have

  • In-house product-counsel experience at a fintech, bank, card issuer, payments company, AI company, consumer technology company, or platform business with meaningful regulated product exposure.
  • Experience supporting consumer credit cards, BNPL/installment lending, consumer payments, issuing, acquiring, or similar financial products.
  • Prior law-firm, regulatory, or government experience focused on consumer financial services, paired with a clear desire to operate hands-on inside a fast-moving company.
  • Experience counseling on privacy, cybersecurity, AI governance, data use, automated systems, or consumer-protection issues, particularly where they intersect with financial products and consumer data.
  • Corporate experience such as entity formation, corporate maintenance, governance, or related filings.

Skills

  • J.D. from an accredited law school and active bar admission in good standing.

Compensation

  • Compensation and Benefits

Benefits

  • Compensation and Benefits
  • We offer above market rate pay and equity based off of the market's best commercially available data.
  • Your compensation will be a combination of salary, bonus and equity.
  • For full-time US employees, we offer a comprehensive benefits package: medical, dental and vision with Cloaked covering the majority of employee premiums, company-paid basic life, and a 401(k) with company match.
  • We offer flexible work arrangements and the ability to work remotely as needed.
  • Cloaked provides a home office stipend in addition to a new company laptop (and other tech depending on the role).
  • 🌴 Competitive PTO: PTO, floating holidays and sick days - and we push people to actually use them.
  • We see time off as a preventative burnout measure, not a balance to hoard.
  • 👶 Parental Leave: Paid leave for all new parents - birth, adoption, or foster placement - because the people building privacy deserve time with their families.
  • Monthly wellness & meals stipend:

Company info

  • WHAT WE OFFER Cloaked is a well-funded Series B startup based out of NYC.
  • Although we are a distributed team, the NYC team operates with a hybrid model.

Visa & Work Authorization

  • Lead legal work across the Cloaked Pay ecosystem, including issuing-bank/BIN-sponsor relationships, program managers, processors, tokenization and network partners, cardholder terms and disclosures, funding and settlem
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This listing is sourced directly from Cloaked's careers page and normalized into a canonical job model.