Global Fintech Payments Counsel

Rain; Washington (District of Columbia); On-site; USD 180,000 - 260,000; Full time

Benefits offered by this job

Unlimited time off

Flexible working with home-office stip

Health, dental and vision plans

100% company-subsidized life insurance

401(k) with 4% company match

Equity plan

Wellness stipend

Team summits

Job summary

Rain is seeking a Payments Counsel to join our growing Legal team. You’ll be a trusted advisor across the business, ensuring our products and partnerships comply with payments regulations worldwide. This is a cross-functional role collaborating with Compliance, Risk, Product, and Business Development.

You will advise on US and EU payments rules, draft and negotiate commercial agreements, and manage regulatory responses and audits. A JD with 5–8 years fintech regulatory experience is required.

Qualifications

• JD from a top-tier law program; US-trained preferred.
• 5–8 years of legal experience in payments/fintech or related areas.
• Strong understanding of US and EU payments regulations (state MTLs, Durbin, Regulation E, PSD2/PSD3).
• Experience drafting commercial contracts and regulatory issues for fintech/payments.
• Excellent written and verbal communication; translate regulation into business advice.
• Collaborative, business-oriented mindset; able to work across teams and time zones.

Responsibilities

• Advise on US and EU payments regulations across jurisdictions.
• Partner with Compliance and Licensing on licenses and ongoing obligations.
• Draft cardholder agreements across multiple jurisdictions.
• Draft, review, and negotiate commercial agreements with banks, processors, card networks, and vendors.
• Manage relationships with outside counsel on regulatory or jurisdictional issues.
• Assist with responses to regulators and participate in audits and inquiries.
• Stay ahead of regulatory changes affecting payments, crypto, and fintech; shape internal strategy.

Skills

Regulatory compliance

Legal advisory

Written communication

Verbal communication

Cross-functional collaboration

Payments regulation experience

Education

JD from a top law program

US-trained or international JD welcome

Job description

Rain is seeking a Payments Counsel to join our growing Legal team. You’ll be a trusted advisor across the business, ensuring our products and partnerships comply with payments regulations worldwide. This is a cross-functional role collaborating with Compliance, Risk, Product, and Business Development.

You will advise on US and EU payments rules, draft and negotiate commercial agreements, and manage regulatory responses and audits. A JD with 5–8 years fintech regulatory experience is required.