Legal Counsel (Commercial)

Legal Counsel (Commercial) About The Role: Enfuce is a European issuer processor and regulated EMI working with banks, fintechs, financial institutions and enterprise customers across Europe. We operate in a sophisticated regulatory environment and support complex, high-value commercial arrangements. We are seeking a commercially astute financial services lawyer with proven experience negotiating complex agreements with regulated institutions. Applications that do not meet the essential qualification and sector experience criteria will not be considered. This is not a narrow advisory role. You will be embedded in the business, leading negotiations, shaping deal structures and helping drive growth while ensuring risk remains within the company’s defined risk appetite. This role suits lawyers who already operate at a high level of commercial autonomy and are comfortable taking ownership of complex, high-value negotiations. This is not a training role. You must be comfortable acting as the primary legal lead on complex commercial negotiations. What You'll Be Doing: Lead Commercial Contracting: You will take ownership of complex customer, vendor and partner agreements, including: Card-as-a-Service and processing agreements. Outsourcing and services arrangements in a regulated financial services context. Vendor and technology contracts. Partnership and collaboration agreements. NDAs and ancillary documentation. You will: Lead and run commercial negotiations alongside Sales and senior stakeholders Advise on risk allocation (liability, indemnities, SLAs, audit rights, subcontracting, termination and exit structures) Support RFP processes and strategic deal structuring Manage amendments, change requests and contract lifecycle matters Handle non-performance situations, including demand letters and termination notices You will regularly negotiate with sophisticated counterparties, including Tier 1 banks, regulated institutions and established fintechs. Operate in a Regulated Environment: You will work within a financial services framework and advise on the contractual implications of outsourcing in a regulated environment. Support interpretation of legal and regulatory requirements as they impact commercial arrangements. Work closely with Risk & Compliance, including support on regulatory filings and supervisory matters where relevant. Deep prior payments or e-money expertise is not required, but financial services exposure is essential. Contribute to Legal Function Development: Develop and refine contract templates and negotiation playbooks. Improve contract lifecycle processes and internal knowledge sharing. Act as a trusted internal adviser across departments. Contribute to building a scalable, high-performing legal function aligned with business objectives. This is a role for someone who wants to shape how legal operates, not simply execute tasks. What You'll Bring: Qualified Solicitor (UK), Rechtsanwalt (Germany) or Abogado (Spain), admitted and in good standing. Minimum 3 years’ post-qualification experience. Experience at an internationally recognised commercial law firm or leading national firm is strongly preferred. Demonstrable experience negotiating complex commercial agreements in the financial services sector. Demonstrable experience leading negotiations directly with regulated financial institutions or Tier 1 banks. Ability to independently own transactions from term sheet to signature. Technical Capability: Excellent drafting and negotiation skills. Outsourcing and services frameworks IP and licensing Data protection and confidentiality Liability structures and indemnities Dispute resolution and termination mechanics Ability to interpret and apply regulatory requirements in a commercial context Technical legal excellence is expected. The differentiator is the ability to apply it pragmatically. Why You’ll Love Working At Enfuce: High autonomy & ownership: We give you the freedom to own your work and trust you to make the best decisions for your projects. Top-tier talent: Join a team of industry experts and highly skilled professionals who are as passionate as you are about innovation. Unlimited growth potential: We support your ambition with plenty of room for personal and professional growth within the company. Flexible, remote work: Work from anywhere up to 30 days, in an environment that values flexibility and work-life balance. A supportive culture: You’ll be part of a team that encourages, motivates, and celebrates success together. Comprehensive benefits package: We take care of our people with great benefits to match the value you bring. Benefits & Perks: Fair pay and employee stock option: We value the input of every employee and want you to tap into the growth we build together. That’s why our salaries are competitive and reassessed regularly, and you have access to an employee stock option program. Flexible Paid Time Off: We offer a flexible paid time off policy, providing up to 5 weeks of annual vacation days and paid family leave (subject to country regulations). Additionally, you can benefit from hybrid or remote work options, promoting a healthy work-life balance. Regular Fun With Your Team: To spend other than work-related time with your teammates, you get a team activity budget for three quarters a year. The fourth quarter is reserved for a company-wide event. Department Legal Locations London , Germany (Remote) Remote status Fully Remote London Germany (Remote) About Enfuce Founded in 2016, Enfuce is a female-founded and led company with a unique vision: to bring the brightest minds and the best technology together to break down the barriers to prosperity. As a leading global card issuer and payment processor that merges innovation, security, and expertise to create modular, cloud-based payment processing capabilities, Enfuce is one of Finland’s most valuable scaleups, and is the first financial service provider in the world to be PCI-DSS certified while running its service in the public cloud. By focusing on collaboration, Enfuce is able to efficiently provide customers with cutting edge features – offering in-house experts and white labelled technology to help companies create scalable payment solutions with ease. Supporting debit, credit, prepaid, gift, fleet, and fuel card programmes in any form – for consumer, commercial, and B2B applications. Enfuce’s no-nonsense approach helps customers create bespoke payment solutions that are flexible, scalable, and secure. Holding an Electronic Money Institution (EMI) licence from the Finnish FSA and from the UK’s Financial Conduct Authority (FCA), enabling operations across Europe and the UK, Enfuce’s PCI-DSS certified platform guarantees 99.999% uptime, global scalability, and card scheme connectivity, supporting various card programmes and integration with digital wallets. Enfuce has raised €68.5 million in funding rounds, showcasing its industry leadership with recognitions like Visa Fintech Fast Track and Mastercard Lighthouse Development Program participation, as well as winning prestigious awards, such as the 2019 PayTech Award for Best Payments Solution, 2022 FF Award for Mobile Payments and the 2023 FF Award for Authentic ESG. Propelled by the forward-looking vision of its Co-CEOs and Nordic ingenuity, Enfuce is set to expand globally, shaping the future of payment solutions. Founded in 2016 Co-workers About 130 and growing!