Senior Payments Lawyer (Manager)

As a Senior Payments Lawyer in the UK Card Products Legal Team at Capital One, you will lead the delivery of payment services advice across the business.

You will partner with senior business leaders to advise on products and propositions from concept through to launch and scaling, including advising on licensing and authorisation initiatives.

Regular horizon scanning and preparing comprehensive reports for senior stakeholders on regulatory trends will be an essential part of your remit to ensure the business is well prepared for emerging risks.

Team management is also a key part of this role, including objectives setting and performance management.

Responsibilities:

• Provide legal and regulatory advice on payment services and card schemes from ideation through to launch, with a focus on the UK.
• Draft and maintain customer-facing legal documents for new products and propositions, including terms and conditions and regulatory disclosures.
• Collaborate with Compliance and AML colleagues to embed legal thinking into Capital One’s product lifecycle and marketing strategies.
• Conduct continuous horizon scanning to monitor key legal developments and payment trends.
• Prepare reports and strategic updates for senior management to ensure impact.
• Manage external parties, including external counsel.
• Manage team members and contribute to an engaging, inclusive, and high-performing team environment.
• Refine processes that make legal workflows more efficient and user-friendly for business partners, including through AI.

Requirements:

• You are a UK qualified lawyer with significant experience of advising on payment services, ideally in a retail banking and consumer credit/cards environment.
• You have a strong understanding of financial regulation, including payment services regulation across the UK (and possibly also the EU).
• You are comfortable with technology and AI, including using AI to streamline internal processes and workflows.
• Strong legal research and horizon-scanning skills to pre-emptively identify risks.
• An ability to understand complex topics quickly with depth that allows for the delivery of actionable, commercial insights.
• Someone who takes proactive ownership of key tasks with excellent stakeholder management, reporting, and appropriate escalation.
• Someone who is results-focused and receptive to feedback, with a desire to own and drive continuous development.
• Ideally someone with team management experience.

Benefits:

• Competitive pension and performance-based bonus schemes
• 25 days of annual leave, increasing with tenure
• Access premium care through private medical insurance
• Enhanced parental leave
• Up to £5,000 in funding for external qualifications