Senior Counsel, Senior AVP - Merchant Services

About this role
Wells Fargo is seeking a Senior Counsel to join the Merchant Services team within the Legal Department. The individual selected will join a team of legal professionals responsible for providing legal support to the Merchant Services business, including matters related to payment card acquiring, product development and implementation, key vendor relationships, regulatory requirements, risk management, payment network rules and network agreements. The Senior Counsel will work directly with business clients and partner with attorneys, risk and compliance partners, and other stakeholders to support Merchant Services business activities and initiatives.
In this role, you will:

• Lead or participate in moderately complex initiatives and deliverables supporting the Merchant Services business and contribute to broader planning and strategic initiatives.
• Assist senior lawyers in providing legal advice and guidance regarding federal and state laws and regulations impacting Merchant Services and analyze related policies, standards, and procedures.
• Provide legal support related to credit, debit, and other payment card acquiring activities and payment network requirements.
• Identify and analyze complex legal issues, develop conclusions, and advise business clients on appropriate legal and risk mitigation strategies.
• Provide legal guidance related to product development, implementation, and other Merchant Services business initiatives.
• Advise internal clients regarding applicable acquiring, money transmitter, BSA/AML, OFAC, KYC, and other financial crimes requirements.

Required Qualifications:

• 4+ years of Law experience, or equivalent demonstrated through one or a combination of the following: work experience, training, military experience, education.
• Active State Bar membership or the equivalent in a country outside the United States.

Desired Qualifications:

• Experience as a practicing attorney supporting merchant services, merchant acquiring, payments, or financial product development and implementation.
• Experience with credit and debit card network rules and regulations.
• Experience drafting and negotiating commercial agreements, including merchant agreements, statements of work, and nondisclosure agreements.
• Experience advising on BSA/AML, OFAC, KYC, and other financial crimes requirements.
• Experience analyzing changes in laws and regulations and advising management regarding their impact on business activities.
• Ability to identify and analyze complex legal issues and provide practical legal advice and recommendations.
• Ability to collaborate effectively within the Legal Department and with business, risk, compliance, and other corporate partners.

Job Expectations:

• Position will require onsite presence from any of the required locations listed.
• Ability to work a hybrid schedule, in office at least 3 days a week.
• This position is not eligible for Visa sponsorship.
• Relocation assistance is not available for this position.

Pay Range
Salary is just one component of Wells Fargo's total rewards package. Depending on the role, a Wells Fargo's employee may be eligible for additional forms of compensation, such as sales incentives, discretionary bonuses, and/or equity in the company in the form of Restricted Stock Units (RSUs).
Reflected is the base pay range offered for this position. Pay may vary depending on factors including but not limited to demonstrated examples of prior performance, skills, experience, or work location. Employees may also be eligible for incentive opportunities.
$139,000.00 - $260,000.00
Benefits
Wells Fargo provides eligible employees with a comprehensive set of benefits, many of which are listed below. Visit Benefits - Wells Fargo Jobs for an overview of the following benefit plans and programs offered to employees.

• Health benefits
• 401(k) Plan
• Paid time off
• Disability benefits
• Life insurance, critical illness insurance, and accident insurance
• Parental leave
• Critical caregiving leave
• Discounts and savings
• Commuter benefits
• Tuition reimbursement
• Scholarships for dependent children
• Adoption reimbursement

Posting End Date:
4 Nov 2026
* Job posting may come down early due to volume of applicants.
We Value Equal Opportunity
Wells Fargo is an equal opportunity employer. All qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender identity, national origin, disability, status as a protected veteran, or any other legally protected characteristic.
Employees support our focus on building strong customer relationships balanced with a strong risk mitigating and compliance-driven culture which firmly establishes those disciplines as critical to the success of our customers and company. They are accountable for execution of all applicable risk programs (Credit, Market, Financial Crimes, Operational, Regulatory Compliance), which includes effectively following and adhering to applicable Wells Fargo policies and procedures, appropriately fulfilling risk and compliance obligations, timely and effective escalation and remediation of issues, and making sound risk decisions. There is emphasis on proactive monitoring, governance, risk identification and escalation, as well as making sound risk decisions commensurate with the business unit's risk appetite and all risk and compliance program requirements.
Applicants with Disabilities
To request a medical accommodation during the application or interview process, visit Disability Inclusion at Wells Fargo .
Drug and Alcohol Policy
Wells Fargo maintains a drug free workplace. Please see our Drug and Alcohol Policy to learn more.
Wells Fargo Recruitment and Hiring Requirements:
a. Third-Party recordings are prohibited unless authorized by Wells Fargo.
b. Wells Fargo requires you to directly represent your own experiences during the recruiting and hiring process.
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