Senior Counsel, Bank Regulatory

Circle (NYSE: CRCL) is one of the world's leading internet financial platform companies, building the foundation of a more open, global economy through digital assets, payment applications, and programmable blockchain infrastructure. Circle's platform includes the world's largest regulated stablecoin network anchored by USDC, Circle Payments Network for global money movement, and Arc, an enterprise-grade blockchain designed to become the Economic OS for the internet. Enterprises, financial institutions, and developers use Circle to power trusted, internet-scale financial innovation. Learn more at circle.com .
What you'll be part of:
Circle is committed to visibility and stability in everything we do. As we grow as an organization, we're expanding into some of the world's strongest jurisdictions. Speed and efficiency are motivators for our success and our employees live by our company values : High Integrity, Future Forward, Multistakeholder, Mindful, and Driven by Excellence. We have built a flexible work environment where new ideas are encouraged and everyone is a stakeholder.
What you'll be responsible for:
As Senior Counsel, Bank Regulatory, you'll serve as Circle's internal authority on prudential banking regulation as applied to stablecoins, payments, custody, and blockchain-based financial infrastructure. You will advise senior leadership on regulatory strategy, engage directly with U.S. banking regulators, and apply traditional supervisory frameworks to innovative financial products and operating models.
This role is designed for a lawyer with direct experience inside or across banking regulatory agencies and the judgment to guide novel, technology-driven offerings through traditional regulatory environments.
What you'll work on:

• Advising on the application of U.S. federal and state banking laws and supervisory expectations to Circle's stablecoin, payments, custody, and settlement activities.
• Serving as a primary legal interface with prudential regulators (e.g., OCC, Federal Reserve, FDIC, state banking authorities) on licensing, examinations, supervisory matters, and regulatory change.
• Translating traditional bank regulatory concepts-safety and soundness, governance, risk management, internal controls-into practical guidance for digital asset and blockchain-based systems.
• Partnering closely with Compliance, Product, Engineering, and Risk teams to structure new products in a manner consistent with supervisory expectations.
• Supporting regulatory strategy for Circle's banking-adjacent entities and regulated financial institution partnerships.
• Reviewing new product proposals, control frameworks, and operating models for alignment with banking supervisory principles.
• Managing and coordinating external regulatory counsel and ensuring consistent positions across jurisdictions and regulatory bodies.

What you'll bring to Circle:
Core Requirements:

• JD or equivalent with admission to practice law in the United States.
• 10+ years of legal experience focused on bank regulatory law, prudential supervision, or financial regulation.
• Prior experience at a banking regulatory agency (e.g., OCC, Federal Reserve, FDIC, CFPB, or state banking regulator), or substantial experience representing clients before such agencies.
• Deep knowledge of U.S. banking laws and supervisory frameworks, including safety and soundness, governance, risk management, BSA/AML, consumer protection, and payments regulation.
• Demonstrated experience advising on or supervising technology-driven or innovative financial products, including digital assets, payment networks, custody, or novel settlement mechanisms.
• Strong ability to engage credibly with regulators and articulate regulatory positions in writing and in supervisory dialogue.
• Familiarity with generative AI models (ChatGPT, Gemini, etc.) and prompt development.

Preferred Requirements:

• Experience advising fintech, crypto, or digital asset companies on prudential regulatory issues.
• Experience supporting regulated entities through licensing, chartering, or supervisory examinations.
• Background in or exposure to stablecoins, tokenized assets, or blockchain-based financial infrastructure.
• Strong familiarity with financial institution partnerships and bank-fintech operating models.

Circle is on a mission to create an inclusive financial future, with transparency at our core. We consider a wide variety of elements when crafting our compensation ranges and total compensation packages.
Starting pay is determined by various factors, including but not limited to: relevant experience, skill set, qualifications, and other business and organizational needs. Please note that compensation ranges may differ for candidates in other locations.
Base Pay Range: $230,000 - $297,500
We are an equal opportunity employer. We do not discriminate on the basis of race, religion, color, national origin, gender, sexual orientation, age, marital status, veteran status, or disability status, or any other protected status required by the laws in the locations where we hire. Additionally, Circle participates in the E-Verify Program in certain locations, as required by law.
Should you require accommodations or assistance in our interview process because of a disability, please reach out to [email protected] for support. We respect your privacy and will connect with you separately from our interview process to accommodate your needs.
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