Senior Payments Counsel — Fintech Regulation & Strategy

raincards.xyz; Washington, New York (District of Columbia, NY); On-site; USD 225,000 - 275,000; Full time

Benefits offered by this job

Unlimited time off

Flexible working

Healthcare benefits

401(k) with match

Equity plan

Wellness stipend

Office meals

Job summary

Rain is seeking a Product Counsel in the United States to serve as a trusted advisor on payments and fintech regulatory matters across multiple jurisdictions. You will draft and negotiate commercial agreements with banks, processors, and card networks while coordinating with Compliance, Risk, and Product teams. A strong background in U.S.

and EU payments regulation is essential. The role involves cross-functional collaboration, advising on licensing strategies, and helping to shape Rain's

Qualifications

• JD from a top law program; US-trained preferred.
• 5–8 years of legal experience in payments/fintech.
• Strong knowledge of US/EU payments regulations.
• Experience drafting commercial/regulatory agreements for fintech.
• Excellent written and verbal communication; able to translate regulation into business advice.
• Collaborative, business-oriented; able to work across teams and time zones.

Responsibilities

• Advise on US/EU payments regulations and licensing requirements.
• Draft, review, and negotiate commercial agreements with banks, processors, networks, and vendors.
• Partner with Compliance and Licensing teams on regulatory filings and ongoing obligations.
• Manage external counsel on regulatory or jurisdictional issues.
• Assist with regulator inquiries, audits, and examinations.
• Stay ahead of regulatory changes to shape internal strategy and external engagement.

Skills

Juris Doctor

Payments regulation

Fintech experience

Education

JD (US)

Job description

Rain is seeking a Product Counsel in the United States to serve as a trusted advisor on payments and fintech regulatory matters across multiple jurisdictions. You will draft and negotiate commercial agreements with banks, processors, and card networks while coordinating with Compliance, Risk, and Product teams. A strong background in U.S.

and EU payments regulation is essential. The role involves cross-functional collaboration, advising on licensing strategies, and helping to shape Rain's