Commercial Counsel

Who we are:

Atomic is building a more connected financial landscape that enables consumers to connect their payroll and financial data to services that will better their financial lives.

At Atomic we're focused on building an incredible business while also having a huge social impact. We work with 8 of the top 10 financial institutions and 13 of the top 20 neobanks in the country to deliver exceptional user experiences and help people manage their money.

Job:

Commercial Counsel will play a critical role at Atomic, supporting the legal foundation of a fast-growing B2B fintech company operating at the intersection of data, payments, and financial services. You’ll do some of the most important work we have: drafting and negotiating the commercial agreements that power our business, partnerships, and product distribution.

Atomic works with a wide range of enterprise customers, fintech partners, and financial institutions, many of whom rely on us to securely access, process, and share sensitive financial data. That means this role is not only deeply commercial, but also heavily focused on the legal components of data privacy and information security in addition to protections of intellectual property.

You’ll own contracts end-to-end—from early deal structuring through redlines and execution—while serving as a trusted advisor to Product, Sales, Engineering, Finance, and Customer Success. You’ll translate complex legal and regulatory concepts into clear, practical guidance that helps the business move forward responsibly and efficiently.

What You’ll Do

• Draft, review, and negotiate a broad range of commercial agreements, including:

  • Master Services Agreements (MSAs)/Terms of Service

  • Data processing agreements (DPAs)

  • Reseller, distribution, and partnership agreements

  • NDAs, licenses, supplier agreements, and other commercial contracts as needed

• Serve as a primary legal partner to internal teams, advising on:

  • Data privacy and data protection obligations (including various state laws GLBA, PIPEDA, and related industry frameworks)

  • Allocation of risk (limitation of liability, indemnities, reps and warranties)

  • Pricing structures, product terms, and go-to-market strategies

  • IP ownership, licensing, and use of data, software, and APIs

• Own privacy-related contracting workflows, including:

  • Drafting and negotiating DPAs and Privacy Notices

  • Partnering with Security and Engineering to align contractual commitments with technical controls

  • Ensuring contracts reflect Atomic’s privacy, security, and data-use practices through collaboration with security and compliance teams.

• Interpret and explain contractual rights, obligations, and restrictions in plain language, helping business teams understand both risk and opportunity

• Draft, maintain, and continuously improve Atomic’s form agreements and playbooks

• Stay current on regulatory developments and industry trends affecting fintech, payments, banking, and data privacy, and proactively advise stakeholders on compliance and best practices

• Handle negotiations independently with minimal oversight, while clearly communicating tradeoffs, recommendations, and risk levels to the business

Skills and Qualifications

• 5+ years of experience drafting and negotiating B2B commercial contracts, ideally in fintech, SaaS, or data-driven businesses

• JD and active membership in at least one U.S. state bar, in good standing

• Strong understanding of:

  • Commercial contract structures and negotiation strategy

  • Data privacy and security concepts in a B2B context

  • Intellectual property ownership, licensing, and data rights

• Proven ability to manage complex, strategic deals from inception through execution

• Writes clearly and practically—you understand the law deeply, but you don’t sound like a law review article

• A trusted problem-solver who builds credibility with business partners and helps unblock progress

• Comfortable prioritizing in a startup environment where not everything can be done at once—and you know how to focus on what matters most

• Curious and resourceful: when you don’t know something, you know how to find the answer using regulatory guidance, external counsel, and your network

• Able to pause, synthesize complexity, and explain legal concepts in a way your audience will actually understand

Benefits and Perks

• Medical, dental, and vision coverage, plus 401(k)

• Opportunities for equity through stock options

• Unlimited PTO, 10 company-paid holidays, and office closure between Christmas and New Year

• Continuing education support

• Paid parental leave