Senior Payments Counsel – Fintech Regulation & Strategy

Rain; New York (NY); Hybrid; USD 180,000 - 260,000; Full time

Benefits offered by this job

Unlimited time off

Flexible working

Health and dental coverage (US)

401(k) match

Equity plan

Wellness stipend

Company meals

Job summary

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

Responsibilities

• 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

Skills

Regulatory knowledge

Contract negotiation

Written & verbal communication

Cross-functional collaboration

Education

JD from top law program

Job description

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.