Senior Legal Counsel

Job description

Prudential’s purpose is to be partners for every life and protectors for every future. Our purpose encourages everything we do by creating a culture in which diversity is celebrated and inclusion assured, for our people, customers, and partners. We provide a platform for our people to do their best work and make an impact to the business, and we support our people’s career ambitions. We pledge to make Prudential a place where you can Connect, Grow, and Succeed. We are seeking an experienced and self-driven Senior Legal Counsel to support high-net-worth (HNW) insurance business across multiple jurisdictions. The role focuses on offshore insurance policies (including Bermuda issued policies) and cross border distribution, ensuring compliance with applicable legal and regulatory requirements. The successful candidate will work independently, advising on complex insurance and wealth solutions for HNW and UHNW clients, with a unique opportunity to help build and shape an integrated wealth platform. Key Responsibilities: Provide legal advice on HNW insurance products, including life, wealth planning, and bespoke insurance solutions. Advise on offshore insurance structures (including structures held under trust arrangements) with particular focus on Bermuda‑issued policies and other offshore jurisdictions. Review, draft, and negotiate insurance policies, endorsements reinsurance agreements, and distribution agreements. Advise on cross‑border insurance distribution rules , licensing, and regulatory requirements across multiple jurisdictions. Partner with operations, compliance, risk, and business stakeholders on regulatory interpretation, governance, and regulatory change. Manage and instruct external counsel in offshore and onshore jurisdictions. Handle regulatory inquiries, audits, or legal issues arising from HNW insurance. Provide pragmatic, commercially focused legal advice to senior stakeholders. Contribute to internal policies, legal guidance, and training on offshore insurance, reinsurance and cross‑border distribution matters. Job Requirements: Qualified lawyer in a common law jurisdiction (e.g. Hong Kong, UK, Singapore or equivalent). 8–12+ years post‑qualification experience in insurance and/or wealth‑related legal work. Strong experience advising on HNW insurance and wealth structuring. Demonstrated familiarity with premium financing structures in an HNW/UHNW context. Proven knowledge of offshore insurance regimes (experience with Bermuda is an advantage). Solid understanding of cross‑border insurance distribution and related regulatory frameworks. Experience gained in‑house at an insurer, reinsurer, financial institution, or leading insurance/private wealth law firm preferred. Ability to work independently and manage complex, high‑value matters. Strong communication, drafting, negotiation, and stakeholder‑management skills. Commercial, solution‑oriented mindset. Fluency in English and proficiency in written and spoken Chinese (Cantonese and/or Mandarin) is highly preferred to effectively communicate with stakeholders across Hong Kong and regional markets. Prudential is an equal opportunity employer. We provide equality of opportunity of benefits for all who apply and who perform work for our organisation irrespective of sex, race, age, ethnic origin, educational, social and cultural background, marital status, pregnancy and maternity, religion or belief, disability or part-time / fixed-term work, or any other status protected by applicable law. We encourage the same standards from our recruitment and third-party suppliers taking into account the context of grade, job and location. We also allow for reasonable adjustments to support people with individual physical or mental health requirements.