Legal Counsel (Commercial Contracts and Regulatory)

Ambition has no passport. That belief is why LemFi exists. We're the financial engine for people the world wasn't built to serve, the millions who move countries to build something better and find the financial system hasn't caught up with them yet. We started with remittances: the money people send home to the people they love. Now we run multi-currency accounts, Savings, eSIMs and Credit. Because staying connected to home and building somewhere new are not two separate things. They never were.

LemFi's Legal team is small, senior and hands-on. We draft, negotiate and advise ourselves, and we bring in outside counsel only where local law or deal complexity demands it. This role sits inside that team, reporting to the Deputy GC, and owns the contracts that keep our payment infrastructure running: card acquiring, payment processing, banking and payout partners, and the technology and outsourcing agreements behind them.

You will work closely with Payments, Partnerships, Product, Compliance and Finance across our regulated entities in the UK, Ireland and Norway. The regulatory advice you give will shape the contracts you negotiate, and the contracts you negotiate will directly affect how fast LemFi can move with new partners and products.

• Draft, review and negotiate payment processing, card acquiring, PSP, banking, safeguarding, payout and aggregator agreements, end to end.

• Handle technology, SaaS and outsourcing contracts, including the ICT requirements under DORA and outsourcing rules for regulated firms.

• Run the day-to-day contract flow through Jira and SpotDraft: NDAs, DPAs, amendments, renewals and terminations, turned around quickly.

• Apply and develop the LemFi contracting playbook, templates and fallback positions so the business can move faster on repeat deal types.

• Advise Payments and Partnerships on payments and e-money regulation across the UK, Ireland and Norway, covering PSRs 2017, EMRs 2011 and Irish and Norwegian equivalents.

• Review customer T&Cs, product changes and marketing for regulatory compliance, and track incoming reforms such as the EU payments package.

• Use AI-assisted contract review and drafting tools to handle a high volume of work without sacrificing accuracy, flagging where your own judgement overrides the output.

• Qualified as a solicitor in England and Wales or Ireland, or as an advokat in Norway, with 3 to 6 years' PQE.

• Hands-on experience drafting and negotiating payment processing, acquiring, banking or payment partner agreements, at a law firm or in-house.

• Working knowledge of payments and e-money regulation in the UK or EU, including the Payment Services Regulations 2017 or the Electronic Money Regulations 2011.

• Experience with technology and outsourcing contracts in a regulated environment.

• Comfortable managing a high volume of contracts, setting your own priorities and turning work around at pace.

• Clear, commercial communicator: you write for non-lawyers without losing the legal precision that matters.

• Familiarity with card scheme rules (Visa, Mastercard) and their application to acquiring and issuing contracts.

• Experience with DORA or equivalent ICT/operational resilience frameworks for regulated firms.

• Fluency in Norwegian or another Scandinavian language, relevant for the Oslo base.

Your work here puts money back into families' pockets. That's the reward, and the weight of it. You'll take on some of the hardest problems in finance alongside people who do their best work when the stakes are real. We move fast and we expect a lot, because our customers can't afford for us to do otherwise. In return you get room to own real problems, global impact you can see, and a team that won't slow you down.

Bring grit and ownership and there's a place for them here. Ambition belongs here, come and show us yours.
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