UK Legal Counsel

Xapo Bank is a fully distributed digital bank with a mission to provide economic freedom and wealth protection globally. Comprised of over 130 Xapiens working remotely from more than 30 countries, the company is committed to changing the traditional financial landscape through cutting-edge technology. Although headquartered in Gibraltar, Xapo Bank operates with a remote-first approach, allowing employees to work from anywhere in the world.

Established in 2013, Xapo has pioneered Crypto Banking, earning a reputation as the 'Fort Knox of Crypto.' The bank aims to bridge the gap between digital assets and traditional financial services, offering a secure and easy platform for users to save in Dollars or Bitcoins, with immediate access to funds via card, crypto, and bank payment rails. Xapo Bank is regulated and authorized as a credit institution for fiat services and as a Distributed Ledger Technology Provider for crypto services, ensuring consumer protection, transparency, and ethical conduct.

This specific role is focused on supporting Xapo's continued expansion into the UK market, where the company is in the process of securing the necessary regulatory authorisations to offer its UK-facing banking and crypto services. This involves contributing to regulatory applications and ensuring ongoing compliance with the UK's legal and regulatory framework.

As a Legal Counsel, you will play a critical role in ensuring Xapo meets its UK regulatory obligations. You will be instrumental in supporting the business with its UK regulatory applications and ongoing compliance with the UK’s legal and regulatory framework. A key part of this role will be to collaborate effectively with other key functions and to advise on the structuring and ongoing compliance of new product rollouts. You will be responsible for supporting our legal team, particularly in the areas of conducting research, reviewing documentation, contracts, engagement terms, analyzing complex legal information, and summarizing findings in clear, concise reports. Your work will be vital in allowing the Legal team and the wider business to operate effectively and compliantly.

Responsibilities include contributing to the preparation and management of UK regulatory applications, acting as a key legal adviser on new product rollouts, and monitoring/advising on the evolving UK legal and regulatory landscape in Banking, Fintech, and Blockchain. You will be responsible for assessing and maintaining standards related to key UK regulations, such as the consumer duty principle and financial promotions rules. The role involves reviewing and analyzing complex legal and regulatory information, providing concise analysis and actionable recommendations, and offering sound legal advice on commercial and regulatory matters, including client-facing communications.

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