Senior Payments Counsel — Fintech & Crypto Compliance

Blueyard; New York (NY); Hybrid; USD 230,000 - 300,000; Full time

Benefits offered by this job

Unlimited time off

Flexible working

Health benefits (US)

401(k) with company match

Equity plan

Wellness stipend

Company meals

Team summits

Job summary

Rain is seeking a Payments Counsel to join the expanding Legal team. You will ensure our products, licenses, and partnerships comply with payments regulations across multiple jurisdictions, collaborating with Compliance, Risk, Product, and Business Development.

The role requires a JD from a top-tier program, 5–8 years of payments/regulatory experience, and strong communication. This is a cross-functional, high-impact position with global scope and flexible work arrangements.

Qualifications

• JD from a top-tier law program; US-trained preferred, international JDs considered.
• At least 5–8 years of legal experience in payments, fintech, financial services regulation, or related areas.
• Strong understanding of US and EU payments regulations (MTLs, Durbin, Reg E, PSD2/PSD3, EMD2, EMI licensing, card network rules).
• Experience advising on commercial contracts and regulatory issues for fintech/payments companies.
• Excellent written and verbal communication; translate regulation to clear business advice.

Responsibilities

• Advise on U.S. and EU payments regulations, including state money transmission laws and card network rules.
• Partner with Compliance and Licensing on MTL applications and licenses.
• Draft cardholder agreements across jurisdictions.
• Draft, review, and negotiate commercial agreements with banks, processors, networks, and vendors.
• Manage relationships with outside counsel on regulatory or jurisdictional issues.
• Assist with regulator responses and participate in audits and inquiries.
• Stay ahead of regulatory changes affecting payments, crypto, and fintech.

Skills

Regulatory compliance

Payments/fintech law

Commercial contracts

Communication skills

Cross-functional collaboration

Education

Top-tier law program JD

US-trained preferred; international JDs considered

Job description

Rain is seeking a Payments Counsel to join the expanding Legal team. You will ensure our products, licenses, and partnerships comply with payments regulations across multiple jurisdictions, collaborating with Compliance, Risk, Product, and Business Development.

The role requires a JD from a top-tier program, 5–8 years of payments/regulatory experience, and strong communication. This is a cross-functional, high-impact position with global scope and flexible work arrangements.