As a Klarna Legal Problem Solver, you will be part of a global and cross-functional team comprised of colleagues from other competences such as product, engineering, business development, design, marketing, etc. This team is assigned to a problem space and tasked with generating solutions/products. You will solve complex legal problems involving multiple jurisdictions, consumers, partners, and authorities. Your challenge is to merge stakeholders' expectations and legal requirements into simple and innovative legal advice, processes, and agreements. You will be the first responder for any legal or compliance-related matter facing your team. You should always first ask yourself, "What's best for the company? Couldn't we do it in another better way instead?" Your expertise and your never-ending desire to learn more will drive your professional development. You are in the driving seat!What You Will Do: Running the legal part of exciting product development projectsResponding to requests by authoritiesManaging relationships with outside counsel to address and resolve legal issuesReviewing and improving the legal aspects of existing routines and processes from a legal perspectiveMonitoring and advising on relevant legal and regulatory developments and trendsOverseeing potential disputesAdvising on privacy or regulatory requirements within payments and consumer credit lawLeading legal investigations and respond to regulatory and consumer protection ad hoc questionsLegal research on marketing and privacy-related topics across various jurisdictionsCreating legal guidelines and instructions for marketersReviewing marketing assets such as direct marketing send-outs (email, SMS, in-app messages, push notifications)Drafting and reviewing T&Cs for marketing competitions, giveaways, and other offersDrafting contracts and assisting in contract negotiations with co-marketing partners, suppliers, agencies, and talentCollaborating with multiple internal stakeholders across the organization to improve the overall governance of the Customer Service functionProviding guidance and support to the domain regarding Klarna's Buyer Protection Programme (our consumer protection scheme) and its implementationDrafting, maintaining and developing privacy notices, policies, instructions, routines, and guidelinesProviding advice on the privacy aspects of product developmentProviding commercial advice to the business in connection with contract negotiationsYou Should HaveProfessional experience as a lawyer (5+ years) from a top-notch law firm, or financial institution, card issuer, bank, or a comparable industry player J.D degree from accredited law school requiredAdmission to a state barSolid interest in the disruptive payment industry and a willingness to learnExtensive knowledge and hands-on experience in the following areas: money transmission laws and regulations, consumer payment networks and partnerships, consumer credit, and card issuance (including Reg. E, Reg. Z, UDAAP, FCRA, NACHA rules, and card network rules)Knowledge of pre-paid cards and depositsProven ability to solve problems in a global environmentWorking proficiency and communication skills in verbal and written English
