Payments Counsel

Rain
District of Columbia, New York
Workplace: HybridFull timeUSD 50,000 - 999,999 annuallyFunction: Legal, Risk & ComplianceExperience: 5-8 yearsEducation: professionalSkills: ["Communication","Collaboration","Business-minded","Regulatory analysis"]

Advise and support end-to-end payments compliance for a hypergrowth fintech building stablecoin-powered card and cross-border payment products. Partner closely with Compliance, Risk, Product, and Business Development on U.S. and EU payments regulations, licensing, and ongoing obligations. Draft and negotiate cardholder and commercial agreements across jurisdictions, manage outside counsel relationships, and support regulator responses, audits, and exams while staying ahead of evolving payments and crypto rules.

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Rain
Rain
1 month ago

Payments Counsel

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Last checked: 18 hours agoStatus: Live

Job Summary

Advise and support end-to-end payments compliance for a hypergrowth fintech building stablecoin-powered card and cross-border payment products. Partner closely with Compliance, Risk, Product, and Business Development on U.S. and EU payments regulations, licensing, and ongoing obligations. Draft and negotiate cardholder and commercial agreements across jurisdictions, manage outside counsel relationships, and support regulator responses, audits, and exams while staying ahead of evolving payments and crypto rules.
Location: District of Columbia, New York
Workplace: Hybrid
Employment Type: Full time
Job Function: Legal, Risk & Compliance
Seniority: Mid level

Key Responsibilities

  • •Advise on U.S. and EU payments regulations, including state money transmission laws, federal banking regulations, licensing, card network rules, and virtual asset frameworks.
  • •Partner with Compliance and Licensing teams on MTL applications, international licenses, and ongoing regulatory obligations.
  • •Draft card holder agreements across multiple jurisdictions.
  • •Draft, review, and negotiate commercial agreements with banks, payment processors, card networks, and vendors.
  • •Support regulator responses and participate in audits, exams, and inquiries while monitoring regulatory change.

Pay and Benefits

Salary: USD 50,000 - 999,999 annually
Equity and Bonus:Equity
Perks:Health InsuranceDentalVisionLife Insurance401kWellness StipendPaid Leave

Key Requirements

  • •JD from a top-level law program (preference for US-trained lawyers; international JDs considered).
  • •At least 5–8 years of legal experience focused on payments, fintech, and financial services regulation.
  • •Strong understanding of U.S. and EU payments regulations, including state money transmission laws, Durbin Amendment, Regulation E, PSD2/PSD3, EMD2, and EMI licensing.
  • •Experience advising on commercial contracts and regulatory issues for fintech or payments companies.
  • •Excellent written and verbal communication skills and ability to translate complex regulation into clear business advice.
Experience:5-8 yearsFintechPaymentsFinancial services regulationCryptoStablecoins
Education:Professional (JD, MD, etc.)
Skills:CommunicationCollaborationBusiness-mindedRegulatory analysis
Tech Stack:PSD2/PSD3EMD2Regulation EDurbin AmendmentMTLEMI licensingVASPMiCA

Company Brief

Rain
Rain builds stablecoin-powered card issuance and payments infrastructure for fintechs, platforms, and institutions. Its API and modular platform support on-ramps, wallets, cards, and off-ramps with compliance features like KYC and AML.
Industry: Fintech Infrastructure
Company Size: Medium (51 to 250 employees)
Growth: Growth Stage Startup
Headquarters: New York City, United States
Founded: 2021
WebsiteLinkedIn