Product Counsel

Rain; New York (NY); Hybride; USD 180 000 - 260 000; Plein temps

Avantages offerts par ce poste

Unlimited time off

Flexible working

Health and dental coverage (US)

401(k) match

Equity plan

Wellness stipend

Company meals

Résumé du poste

Rain, a leading global stablecoin payments platform, seeks a Payments Counsel in New York to guide regulatory strategy across the US and EU. You will advise on complex regulations, draft essential agreements, and partner with Compliance, Risk, Product, and Business Development to ensure compliant growth across markets.

You will shape policy, manage licensing efforts, and support audits while translating intricate rules into practical business guidance for Rain’s cross‑functional teams.

Qualifications

• JD from top law program; US-trained preferred
• 5–8 years of payments/regulatory law experience
• Experience advising on commercial contracts for fintech/payments

Responsabilités

• Advise on US and EU payments regulations, including state money transmission laws, federal banking regulations, PSD2/PSD3, EMD2, e‑money licensing, card network rules
• Partner with Compliance and Licensing teams on MTL applications, international licenses, and ongoing obligations
• Draft cardholder agreements across multiple jurisdictions
• Draft, review, and negotiate commercial agreements with banks, payment processors, card networks, and vendors
• 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

Connaissances

Regulatory knowledge

Contract negotiation

Written & verbal communication

Cross-functional collaboration

Formation

JD from top law program

Description du poste

About the Company

Rain is the global stablecoin payments platform for enterprises, neobanks, platforms, developers, and AI agents. Our technology allows partners to move, store, and use stablecoins instantly and compliantly through global payment cards, rewards, on/offramps, wallets, and cross-border rails. As both a Visa and Mastercard Principal Member, Rain issues cards that work at more than 175 million merchant locations in over 220 countries and territories. Built natively for stablecoins and trusted by more than 100 organizations worldwide, Rain delivers secure, scalable infrastructure that makes money move freely and instantly around the world.

You will have the opportunity to deliver massive impact at a hypergrowth company backed by some of the top investors in fintech, crypto, and SaaS. In January 2026, we closed a $250M Series C led by ICONIQ, valuing Rain at $1.95B, with Sapphire Ventures, Dragonfly, Bessemer Venture Partners, Galaxy Ventures, FirstMark, Lightspeed, Norwest, and Endeavor Catalyst also participating. If you're curious, bold, and excited to help shape a borderless financial future, we'd love to talk.

Our Ethos

We believe in an open and flat structure. You will be able to grow into the role that most aligns with your goals. Our team members at all levels have the freedom to explore ideas and impact the roadmap and vision of our company.

About the Team

We’re looking for a Payments Counsel to join our growing Legal team. You’ll be a trusted advisor across the business, ensuring our products, licenses, and partnerships are structured and executed in compliance with applicable payments regulations. This is a highly cross‑functional role, working closely with Compliance, Risk, Product, and Business Development.

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.

• 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.

You are likely to succeed if you have:

• A 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, the 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.

• A collaborative, business‑oriented mindset; comfortable working across multiple teams and time zones.

Bonus attributes:

• Digital assets/crypto regulatory experience (e.g., VASP regimes, MiCA).

• 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 – work from home, come into an office, or both. We want everyone to work in an environment where they're their most confident and productive selves. New Rainmakers receive a stipend to set up a comfortable home workspace.

Easy to access benefits For US Rainmakers, we cover 95% of your health, dental, and vision plan costs and 90% for your dependents, plus a 100% company‑subsidized life insurance plan.

Retirement goals Plan for the future with confidence. We offer a 401(k) with a 4% company match.

Equity plan Every Rainmaker gets an equity option plan so we all benefit from our success.

Health and Wellness High performance begins from within. Rainmakers receive a monthly stipend to be used for eligible health and wellness spending like gym memberships/fitness classes, massages, acupuncture - whatever recharges you!

In‑office meals Rainmakers working from the office enjoy lunch and dinner on us, covered with a DoorDash credit.

Team summits Summits play an important role at Rain. Time together helps us build relationships and a common destiny. Expect team and company offsites, both domestic and international.