Product Counsel AI and Financial Services

About Cloaked Cloaked is a consumer privacy and identity platform on a mission to give people back control of their personal data. We let anyone generate unlimited identities - masked emails, phone numbers, and payment cards - scrub their information off data-broker sites, and shield themselves from spam, scams, and breaches, all from one app. Backed by a $375M Series B, we've protected 10M+ identities and removed 1B+ records from the data brokers who profit off personal information. Now we're building the AI-native future of privacy: autonomous agents that monitor, manage, and defend your digital footprint for you.

Cloaked is hiring a Product Counsel to serve as a core legal partner to Product, Engineering, Compliance, and business teams as we build the next generation of AI-native privacy, identity, and financial-services products. This role will have particular ownership of Cloaked Pay and other regulated product surfaces, but the mandate is broader: embed with product teams, help shape products from concept through launch, and translate legal and regulatory requirements into practical product decisions. The core mandate is to operate as a product lawyer, not just a reviewer at the end of the process. You will understand how Cloaked products and AI-enabled features actually work, identify where the law is black, white, or gray, pressure-test compliance decisions, and give Product a practical path forward without sending every novel question to outside counsel. You will help translate financial-services, privacy, consumer-protection, and emerging AI requirements into product architecture, user experiences, disclosures, controls, and operating workflows. You will also support the commercial agreements that enable our products — including enterprise, partnership, vendor, AI/data, and payments agreements — and help structure relationships with banks, processors, model and infrastructure providers, and other strategic partners. Because this is a lean legal team, you will also have opportunities to take on adjacent corporate and general legal matters. Deep financial-services expertise remains important, but the strongest candidates will pair it with product counseling instincts and comfort navigating AI, privacy, and data issues.

Product & AI Counseling Serve as embedded Product Counsel for Cloaked Pay and other AI-enabled privacy, identity, and financial-services products, partnering directly with Product, Engineering, Design, and Compliance from ideation through launch and ongoing operation. Advise on new products and features where the legal or regulatory answer is not obvious, including AI-driven workflows, agentic experiences, automated decisioning, personalization, data use, and consumer-facing product claims; distinguish hard requirements from judgment calls and help the business make calibrated risk decisions. Counsel on adjacent privacy, cybersecurity, AI governance, marketing, consumer-protection, and general business-law matters as needed in a small, fast-moving legal team. Financial Services & Payments Advise on consumer payments and credit-card regulatory requirements, including Regulation E, Regulation Z where applicable, GLBA, UDAAP/UDAP, FCRA, BSA/AML concepts, prepaid access and money-transmission considerations, Nacha requirements, and card-network rules. Review and challenge financial-services compliance analyses and controls; help ensure regulatory requirements are accurately translated into product flows, disclosures, policies, procedures, and operational workflows. Lead legal work across the Cloaked Pay ecosystem, including issuing-bank/BIN-sponsor relationships, program managers, processors, tokenization and network partners, cardholder terms and disclosures, funding and settlement structures, disputes, and related vendor arrangements. Commercial & Strategic Partnerships Own and negotiate product-enabling agreements, including enterprise and end-customer agreements,