Payments & Privacy Counsel

Rain makes the next generation of payments possible across the globe. We’re a lean and mighty team of passionate builders and veteran founders. Our infrastructure makes stablecoins usable in the real-world by powering card transactions, cross-border payments, B2B purchases, remittances, and more. We partner with fintechs, neobanks, and institutions to help them launch solutions that are global, inclusive, and efficient. You will have the opportunity to deliver massive impact at a hypergrowth company that is funded by some of the top investors in fintech, crypto, and SaaS, including Sapphire Ventures, Norwest, Galaxy Ventures, Lightspeed, Khosla, and several more. If you’re curious, bold, and excited to help shape a borderless financial future, we’d love to talk.

### What You'll Do - Advise on U.S. and EU payments regulations, including state money transmission laws, federal banking regulations, PSD2/PSD3, EMD2, e-money licensing, card network rules, and virtual asset frameworks. - Partner with Compliance and Licensing teams on MTL applications, international licenses, and ongoing obligations. - Draft card holder agreements across multiple jurisdictions. - Draft, review, and negotiate commercial agreements with banks, payment processors, card networks, and vendors. - Provide practical guidance on consumer protection and data privacy requirements, including GDPR, US state privacy laws (CCPA/CPRA), and cross-border data transfer frameworks. - Manage relationships with outside counsel on specialized regulatory or jurisdictional issues. - Assist with responses to regulators and participate in audits, exams, and inquiries. - Stay ahead of regulatory changes affecting payments, crypto, and fintech; help shape internal strategy and external engagement.

### What you will bring to Rain - JD from a top level law program. Preference for US trained lawyers but international JDs will be considered. - At least 5–8 years of legal experience, focused on payments, fintech, financial services regulation, or related areas. - Strong understanding of US and EU payments regulations, including state MTLs, Durbin Amendment, Regulation E, PSD2/PSD3, EMD2, EMI licensing, and card network rules. - Experience advising on commercial contracts and regulatory issues for fintech or payments companies. - Excellent written and verbal communication skills; able to translate complex regulation into clear business advice. - Collaborative, business-oriented mindset; comfortable working across multiple teams and time zones. - Demonstrated experience with GDPR, data protection frameworks, and privacy compliance; digital assets/crypto regulatory experience (e.g., VASP regimes, MiCA) also valued. - Bonus: Prior in-house experience at a fintech, payments company, or financial regulator.

### Things that enable a fulfilling, healthy and happy experience at Rain - Unlimited time off: Unlimited vacation can be daunting, so we require Rainmakers to take 10 days minimum for themselves. - Flexible working: We support a flexible workplace; if you feel comfortable at home please work from home. If you’d like to work with others in an office feel free to come in. - Easy to access benefits: For US Rainmakers, we offer comprehensive health, dental and vision plans for you and your dependents, as well as a 100% company subsidized life insurance plan. - Retirement goals: We offer a 401(k) with a 4% company match. - Equity plan: We offer every Rainmaker an equity option plan so we can all benefit from our success. - Rain Cards: We issue a card for our team to utilize the card for testing. - Health and Wellness: Rainmakers are welcome to use their card for eligible health and wellness spending like gym memberships/fitness classes, massages, acupuncture. - Team summits: Expect team and company offsites both domestically and internationally.

Rain is a financial technology company providing stablecoin-powered cards and payments infrastructure, enabling fintechs, neobanks, wallets, and exchanges to offer card programs and payments at over 150 million merchants in 150+ countries. Their platform supports on-ramps, wallets, cards, and off-ramps with built-in KYC, AML, and SOC 2 compliance.