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Senior Counsel - Regulatory Law
Job Description: Senior Regulatory Lawyer (Hybrid - UK & Europe Payment Services Regulation)
About Visa
Visa is a world leader in payments technology, facilitating transactions between consumers, merchants, financial institutions and government entities across more than 200 countries and territories. Dedicated to uplifting everyone, everywhere, we offer a purpose-driven culture that empowers you to create impact at scale. At Visa, your work matters—from tackling meaningful challenges to growing your skills and contributing globally.
About the Role
This position sits within Visa’s dynamic UK & Europe Regulatory Law Team, providing legal advice and regulatory support to Visa’s Commercial & Money Movement Solutions (CMS) division—a globally focused unit delivering innovative payment technologies for domestic and cross-border money movements across licensed entities in the UK and Europe.
As part of Visa’s broader Europe Legal, Ethics & Compliance Division, this team is creative, proactive, and solution-oriented, handling complex regulatory matters at the forefront of an increasingly regulated sector.
Location: London, with a hybrid working model (minimum 3 office days/week—flexibility to be confirmed).
Reporting Structure
- Reports to: Vice President of Regulatory Law
Key Responsibilities
Core Responsibilities
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Trusted Advisor to Stakeholders
- Serve as a strategic advisory partner for business, legal, and compliance teams to assess and mitigate regulatory risks while enabling commercial growth.
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Regulatory Expertise in Payment Services (PSRs), EMRs, AML & FCA Compliance
- Provide strategic and operational legal counsel on Payment Services Regulations (PSRs), Electronic Money Regulations (EMRs), Anti-Money Laundering (AML/ML/TF) regulations, and all FCA rules and guidance in the UK and European context.
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Support for Regulatory & Compliance Teams
- Assist in navigating core regulatory compliance areas, including:
- Licensing obligations
- AML/CTF (Anti-Money Laundering & Counter-Terrorist Financing)
- Safeguarding requirements ( pí¼çe ( customer funds)
- Outsourcing rules (including material outsourcing arrangements)
- Consumer Duty and operational resilience
- Assist in navigating core regulatory compliance areas, including:
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** Emerging Regulatory Frameworks**
- Develop expertise in virtual asset and stablecoin regulations, ensuring Visa’s compliance and strategic alignment with FCA, EBA, EU, and HM Treasury expectations.
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** Aligning Regulatory Expectations with CMS Operations**
- Collaborate with Visa’s Commercial & Money Movement Solutions (CMS) to ensure product innovation and launches remain regulatory-by-design.
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Interpretation & Advisory on UK/EU/EBA Standards
- Translate FCA, PRA, Bank of England, EBA, and EU directives into actionable guidance for boards, management, and compliance.
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Governance & Beyond Compliance
- Help shape regulatory governance structures that balance risk mitigation with commercial objectives for regulated entities.
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Thought Leadership & Trend Anticipation
- Identify new regulatory trends/issues, proactively advising Visa’s global business unit to ensure consistency and compliance in UK and Europe.
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** External Legal Engagement**
- Manage external legal counsel for a spectrum of issues across Visa’s UK and European jurisdictions, including budget oversight.
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Seamless Collaboration Across Visa & Internationally
- Engage with other departments globally to ensure consistency in compliance and advisory across regions.
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Internal Legal & Compliance Leadership
- Foster cohesion, consistency, and efficiency in Europe’s legal and compliance teams, driving proactive solutions to evolving challenges.
Hybrid Working Arrangement
- Hybrid positioning: Minimum 3 office days/week (specific expectations confirmed post-hire).
- Remote flexibility: Visas values hybrid models but requires sufficient in-office presence for collaboration.
Qualifications & Criteria
Basic Requirements
- 10+ years of relevant legal experience.
- Juris Doctorate from an accredited law school.
- Valid state/country bar admission (or ability to be admitted based on residency).
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Preferred Experience & Skills
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UK & EU Regulatory Expertise
- Strong background in UK/EU payment services regulation, preferably with experience advising:
- Payment Institutions (PI)
- Electronic Money Institutions (EML)
- FCA authorization variations processes
- Strong background in UK/EU payment services regulation, preferably with experience advising:
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Deep Technical Knowledge
- Ongoing or established expertise in:
- Anti-Money Laundering (AML)/Sanctions/CTF regulations
- Safeguarding requirements
- Outsourcing (material provisions)
- Consumer protection, governance, risk and operational resilience
- Ongoing or established expertise in:
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Regulatory Translation Skills
- Ability to simplify complex regulations into actionable, commercial guidance.
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Cross-Border Regulatory Awareness
- Proven experience with multi-jurisdictional regulatory issues.
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Legal Craft & Relationship Management
- Excellence in drafting, negotiation, and collaboration with internal/external stakeholders.
- Proven ability to meet tight deadlines in a high-pressure environment.
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Leadership & Collaboration
- Strong track record in relationship management and cross-departmental teamwork.
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Attributes Expected
- High caliber integrity, inquisitive mindset, adaptability.
- Flush language skills in English.
More About Visa
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Four Pillars of Our Culture:
- Customer First
- Free & Easy to Do Business With
- We Make Work Better
- We Matter (a people-first approach)
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Diversity Commitment: Visa is an EEO/Equal Opportunity Employer that emphasizes equal hiring practices while inviting applicants of all backgrounds — including those with criminal histories in compliance with EEOC guidelines.
Join Visa and be part of a global payments powerhouse, shaping future designs of commerce and compliance. Let’s Progress with Purpose.
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