You will have two primary internal clients: (1) the teams that work directly with plan sponsors and participants, and (2) the product team responsible for building our features and products. You will bring legal rigor, practical judgment, and the ability to translate applicable regulatory frameworks into actionable guidance.
You need to be comfortable applying your expertise in an environment where automated workflows and payroll integrations support the underlying ERISA
Human Interest's legal team uses AI tools to work efficiently and deliver high-quality legal work.
This role will not be a good fit if you are not already familiar with and using AI tools in your daily work.
Across both, you'll apply ERISA fiduciary, qualification, and disclosure expertise to live business questions.
Serve as the Front-Line Legal Advisor to Customer-Facing Teams: Be the go-to ERISA resource for the internal teams that work directly with plan sponsors and participants — providing real-time, practical legal guidance on the ERISA, IRC, and fiduciary questions that surface as customers interact with the platform.
Serve as the ERISA SME for Product: Be the go-to ERISA resource for the product team as they design and build new features.
experience providing ERISA advice in operational and product contexts and demonstrate excellent judgment.
You bring a strong sense of ownership to complex matters, including time-sensitive plan administration questions that require both technical rigor and practical resolution, and you're skilled at exercising sound judgment in nuanced situations.
AI-Fluent: You actively use modern AI tools in your legal work — for research, drafting, summarization, and analysis — and you bring thoughtful judgment about where AI accelerates the work and where human expertise remains essential.
You see AI as a way to do better, faster work, not as a replacement for substantive legal judgment.
experience focused on qualified retirement plans and fiduciary matters (including 401(k), 403(b), and IRA plans)
Of those years, a minimum of two must be at a law firm practicing in this area Demonstrated
experience with qualified plan operational compliance, including EPCRS and the correction principles that apply to qualified retirement plans
Working knowledge of ERISA fiduciary duty and prohibited transaction rules as they apply to plan administration and service provider arrangements •
Experience advising non-legal business teams on ERISA issues in real time, including translating technical legal conclusions into actionable guidance
Subject Matter Knowledge: Strong working knowledge of ERISA fiduciary duty and prohibited transaction rules and the IRC qualification rules applicable to 401(k) plans.
experience at a recordkeeper, TPA, fintech, or trust company Direct
experience with 3(16), 3(21), or 3(38) fiduciary operations at a recordkeeper or TPA •
Experience providing ERISA input on product, operational, or technology decisions — whether at a recordkeeper, TPA, fintech, plan sponsor, or in a law firm advising clients of that type
Customer obsession : We're all about creating amazing experiences for our customers. We put their needs first and go the extra mile to make them smile.
Certified as a Great Place To Work® (2023-2025)
Benefits
Human Interest is on a mission to ensure that people in all lines of work have access to retirement benefits.
Too often, it’s because they are employed by a company that doesn’t offer a retirement plan.
Human Interest is changing that by making it affordable and accessible for small and medium-sized businesses to offer employees a path to financial independence through retirement savings.
This includes funding from Marshall Wace and Baillie Gifford, as well as top investors such as BlackRock , TPG (The Rise Fund) , SoftBank, Glynn Capital , NewView Capital, USVP, Wing, Uncork, and more. About the role
You'll be part of a legal team helping a growth-stage company expand access to retirement plans for small and mid-market employers, making it easier for the businesses that need 401(k) plans to offer them.
Across both workstreams, you'll stay current on legislative, regulatory, and judicial developments affecting qualified retirement plans, and advise operations, customer support, and product teams on changes that affect how the platform operates or how the company counsels its customers.
Human Interest is tackling one of our country's biggest challenges - closing the retirement gap.
Compensation - At Human Interest, there are a number of factors that are used to determine the appropriate pay range for each position.
The base salary for this position spans $170,000 - $210,000 annually and represents the minimum in our lowest geographic region to a maximum in our highest geographic region.
The salary we offer to a new employee within this range is based on their location within the U.S., their relevant job-related skills, and experience.
At Human Interest, base salary is one component of the overall total rewards package.
Depending on the position, additional compensation components such as bonuses, commissions, and equity may be offered.
In compliance with applicable laws, we do not inquire about salary history, or about criminal history prior to a conditional offer of employment. Benefits -
A great 401(k) plan: Our own! Our 401(k) includes a dollar-for-dollar employer match up to 4% of compensation (immediately vested) and $0 plan fees
Top-of-the-line health plans, as well as dental and vision insurance
Competitive time off and parental leave
Addition Wealth: Unlimited access to digital tools, financial professionals, and a knowledge center to help you understand your equity and support your financial wellness
Carrot: Fertility healthcare and family forming benefits
Candidly: Student loan resource to help you and your family plan, borrow, and repay student debt
If you need a reasonable accommodation at any point in the process, please let us know at applicantaccommodations@humaninterest.com .
All legitimate communication will come from a @ humaninterest.com email address.
If you have questions, please reach out to us directly at careers@humaninterest.com
See more: https://humaninterest.com/disclosures
Additional details
More than half of all working Americans are not saving enough for their future.
We’re a high-growth fintech company changing the retirement industry.
In this role, you will be the in-house ERISA expert for Human Interest, applying deep substantive expertise to the ERISA, IRC, and fiduciary obligations inherent in operating a 401(k) recordkeeping platform .
The role sits at the intersection of ERISA, technology, and operations.
Your work spans two primary internal audiences: the teams that work directly with our customers, and the product team that builds the platform.
This work spans the full customer lifecycle, from new plans coming onto the platform to ongoing administration and customer retention.
Advising on complex plan sponsor or participant questions that internal teams cannot resolve on their own
Working through fact patterns where automation, plan terms, or customer expectations don't align, and determining the right ERISA-defensible course of action
Helping internal teams navigate ERISA-driven constraints when responding to time-sensitive customer matters, including matters requiring EPCRS analysis, anti-cutback considerations under IRC §411(d)(6), or participant disclosure obligations
Advising on when a new or updated fee disclosure is required under ERISA §408(b)(2), §404(a)(5), or related rules, and on the substantive content