Regulatory Counsel

This is Adyen Adyen provides payments, data, and financial products in a single solution for customers like Meta, Uber, H&M, and Microsoft - making us the financial technology platform of choice. At Adyen, everything we do is engineered for ambition.  For our teams, we create an environment with opportunities for our people to succeed, backed by the culture and support to ensure they are enabled to truly own their careers. We are motivated individuals who tackle unique technical challenges at scale and solve them as a team. Together, we deliver innovative and ethical solutions that help businesses achieve their ambitions faster. Senior Regulatory Counsel  Our fast-paced APAC Regulatory team is looking for a Senior Regulatory Counsel who has experience with the payments, financial service or fintech industry in Japan. In this role, you will enable Adyen to create unique business opportunities while making ethical choices. To do this, you must have strong analytical and communication skills as well as pragmatic and strategic thinking while advising internal and external stakeholders on regulatory matters. It is also important that you have the commitment to execute tasks independently, with a strong sense of ownership and accountability. Beyond execution, you should be able to anticipate challenges, coordinate across global stakeholders, and drive solutions to completion with focus, discipline, and consistency.  What you’ll do * Provide strategic regulatory advice towards internal and external stakeholders, as well as to the senior management, in line with Adyen’s commercial and strategic objectives which allow for scale; * Anticipate and identify key regulatory obligations and integrity risks, and ensure these are addressed in a practical and scalable way; * Transform identified obligations into relevant Policies and Procedures to be communicated and implemented across the global business;Represent * Regulatory on a variety of workstreams and products to establish regulatory strategies that align with global objectives and ensure controlled and compliant growth; * Drive alignment with global stakeholders, including implementing new processes, leading process changes, or managing incidents; communicate effectively, ensure understanding of complex issues, and execute tasks with focus. * Act as a senior point of contact for regulator interactions, external counsel management, and high-stakes negotiations. Who you are * You have 10+ years’ experience in a regulatory and/or legal function focused on payments, financial services and/or fintech industry; * You are knowledgeable in the Japan payments, financial services and/or fintech industry; * You have a strong sense of initiative, independence and ability to take ownership enabling you to contribute to a fast-growing business; * You are an analytical and critical thinker who finds creative solutions for complex regulatory challenges enabling business opportunities while staying in control; * You have strong interpersonal and communication skills as well as experience in managing relationship with internal stakeholders and/or the relationship with regulators or supervisors. * You are able to drive global stakeholders toward practical solutions, with genuine curiosity, focus, and a strong commitment to seeing solutions through.  Our Diversity, Equity and Inclusion commitments  Our unique approach is a product of our diverse perspectives. This diversity of backgrounds and cultures is essential in helping us maintain our momentum. Our business and technical challenges are unique, and we need as many different voices as possible to join us in solving them - voices like yours. No matter who you are or where you’re from, we welcome you to be your true self at Adyen.  Studies show that women and members of underrepresented communities apply for jobs only if they meet 100% of the qualifications. Does this sound like you? If so, Adyen encourages you to reconsider and apply. We look forward to your application! What’s next? Ensuring a smooth and enjoyable candidate experience is critical for us. We aim to get back to you regarding your application within 5 business days. Our interview process tends to take about 4 weeks to complete, but may fluctuate depending on the role. Learn more about our hiring process here. Don’t be afraid to let us know if you need more flexibility. This role is based out of our Tokyo office. We are an office-first company and value in-person collaboration; we do not offer remote-only roles.

About Abound We’re redefining consumer lending in the UK, and beyond. Using advanced AI and Open Banking data, we make fair, affordable personal finance available to more people. While traditional lenders rely almost entirely on credit scores, we look at the full financial picture - how much you spend, and what you can afford to repay to build a deeper, more accurate understanding of each customer's unique financial situation. And we've shown it works at scale. We’ve issued over £1.3bn in loans directly to customers while delivering market-leading credit performance - for every 10 defaults the industry expects, we see only 3. We also reached profitability just 2.5 years after launch. Backed by £2bn+ of funding from top-tier investors including Citi, GSR Ventures, and Deutsche Bank, we’re recognised as one of Europe’s fastest-growing fintechs (Sifted, CNBC). Now, we’re expanding into new markets and product lines - and we’re looking for ambitious people who want to learn fast, take ownership, and grow with us. Role summary Fintern is a fast-growing fintech consumer lender. We're scaling up and entering new markets and introducing new products. We’re hiring a Regulatory Counsel with strong Consumer Credit Act (CCA) and FCA CONC experience. You’ll prepare submissions to the FCA and others and advise senior leadership on regulatory risk in your area. You’ll also draft, implement, and monitor legally robust, plain‑English templates and ensure live documents match approved versions. We have a small legal team so you will also be expected to assist with broader legal work. What you’ll do * Regulatory submissions: draft submissions and supporting materials to a high standard such as Appointed Representative/IAR applications, waiver/modification requests, applications for new permissions and similar submissions, liaising with external counsel where needed. * New markets: identify and communicate key legal and regulatory matters for new products, markets and geographies that we are considering. Working closely with others, ensure that decisions about new markets are well-informed and that subsequent entry is well-managed. * Draft & maintain customer credit documentation across the lifecycle (pre‑contract and post‑contract), including credit agreements, PCCI, adequate explanations, statements, and notices (e.g. NOSIAs and Default Notices). Maintain suite of customer documentation, managing versioning and approvals. Check accurate deployment into production. * Risk advice and governance: provide clear, pragmatic advice to the CCO and senior management on risks and mitigations in your area; log actions and drive them to closure. * External advice: commission advice from legal and other advisers on discrete questions, track progress, and capture learning back into templates and guidance. * Assist with broader legal work: work with a more senior lawyer to prepare/review and negotiate the commercial agreements governing entry into new markets and introduction of new products, review and negotiate supply terms for the products and services essential to our business and review and negotiate NDAs. * Support broader compliance activities: working with the Compliance team, help to identify key compliance risks and where needed monitor and control these risks. This may entail detailed loan-by-loan review work. You’ll bring * Qualified UK Solicitor * Knowledgeable and experienced in the areas of Consumer Credit Act, FCA Handbook including CONC. Additionally, knowledge of the Payment Services Directive where relevant to consumer lending activities would be an advantage. * Excellent written and verbal skills * Strong ability to evaluate risk and propose risk-based actions * Ability to negotiate with external parties and reach acceptable outcomes * Strong team-player qualities What we offer * Everyone owns a piece of the company - equity * Hybrid with 3 days a week in the office * 25 days’ holiday a year, plus 8 bank holidays * 2 paid volunteering days per year * One month paid sabbatical after 4 years * Employee loan * Free gym membership * Team wellness budget to be active together - set up a yoga class, a tennis lesson or go bouldering