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Citizens Counsel – Payments & Digital in Westwood, Massachusetts


Citizens is looking for a highly motivated, results-oriented attorney to join its Legal team, supporting Citizens’ Enterprise Experience Organization in the areas of Payments and Digital Banking. As Counsel, you will help to shape key developments in the payments space by supporting cross-functional partners on payments-related initiatives, advising on the development of the Bank’s cryptocurrency strategy and supporting the digital-first expansion of payment modalities. You will be a trusted advisor to Citizens’ digital banking teams on the complex legal and regulatory issues involved in the Bank’s national digital expansion initiatives, including the development of a modern digital checking and saving product and associated digital-first functionalities.

Primary Responsibilities:

  • Join Citizens’ EXO legal team, providing primary legal support for Citizens’ Payments, Digital Banking and National expansion teams

  • Actively collaborate with clients on financial product/feature offerings from inception to post-launch

  • Research, analyze and provide sound legal advice on legal and compliance matters related to existing and evolving financial products and services

  • Serve as trusted advisor to clients on product development, strategic planning, internal audit and regulatory exam support, contract interpretation/negotiation and dispute resolution

  • Stay up to date on laws and regulatory issues dealing with payments, digital assets and consumer financial services


  • JD or equivalent, strong academic credentials and admission to at least one U.S. bar required

  • 4+ years of law firm or in-house experience

  • Familiarity with product, privacy, and regulatory frameworks relevant to payments and financial services systems, including EFTA, FCRA, TILA, GLBA and UDAAP

  • Knowledgeable about payment processing, ACH, real time payments and associated financial services technology-related issues and solutions

  • Adaptability and openness to taking on tasks in new or unfamiliar areas of the law and advising on challenging regulatory issues.

  • Ability to balance multiple matters simultaneously and respond quickly to shifting priorities under tight deadlines

  • Exceptional verbal and interpersonal communication skills

  • Highly collaborative team player with a positive attitude and good sense of humor

Why Work for Us

At Citizens, you'll find a customer-centric culture built around helping our customers and giving back to our local communities. When you join our team, you are part of a supportive and collaborative workforce, with access to training and tools to accelerate your potential and maximize your career growth.

Equal Employment Opportunity

Citizens, its parent, subsidiaries, and related companies provide equal employment and advancement opportunities to all colleagues and applicants for employment without regard to age, ancestry, color, citizenship, physical or mental disability or perceived disability, ethnicity, gender, gender identity or expression, genetic information, genetic characteristic, marital or domestic partner status, victim of domestic violence, family status/parenthood, medical condition, military or veteran status, national origin, pregnancy/childbirth/lactation, colleague’s or a dependent’s reproductive health decision making, race, religion, sex, sexual orientation, or any other category protected by federal, state and/or local laws.

Equal Employment and Opportunity Employer/Disabled/Veteran

Citizens is a brand name of Citizens Bank, N.A. and each of its respective affiliates.