Payments & Privacy Counsel

About the Company

Rain makes the next generation of payments possible across the globe. We’re a lean and mighty team of passionate builders and veteran founders. Our infrastructure makes stablecoins usable in the real-world by powering card transactions cross-border payments B2B purchases remittances and more. We partner with fintechs neobanks and institutions to help them launch solutions that are global inclusive and efficient. You will have the opportunity to deliver massive impact at a hypergrowth company that is funded by some of the top investors in fintech crypto and SaaS including Sapphire Ventures Norwest Galaxy Ventures Lightspeed Khosla and several more. 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.

What we're looking for

We’re looking for a Payments & Privacy 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.

• Provide practical guidance on consumer protection and data privacy requirements including GDPR US state privacy laws (CCPA/CPRA) and cross-border data transfer frameworks.

• 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.

What you will bring to Rain

• 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 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.

• Collaborative business-oriented mindset; comfortable working across multiple teams and time zones.

• Demonstrated experience with GDPR data protection frameworks and privacy compliance; digital assets/crypto regulatory experience (e.g. VASP regimes MiCA) also valued.

• Bonus: Prior in-house experience at a fintech payments company or financial regulator.

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 if you feel comfortable at home please work from home. If you’d like to work with others in an office feel free to come in. We want everyone to be able to work in the environment in which they are their most confident and productive selves. New Rainmakers will have a stipend to create a comfortable atmosphere at home.

Easy to access benefits 🧠For US Rainmakers we offer comprehensive health dental and vision plans for you and your dependents as well as 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 📦 We offer every Rainmakers an equity option plan so we can all can benefit from our success.

Rain Cards 🌧️ We want Rainmakers to be knowledgeable about our core products and services. To support this mission we issue a card for our team to utilize the card for testing.

Health and Wellness 📚 High performance begins from within. Rainmakers are welcome to use their card for eligible health and wellness spending like gym memberships/fitness classes massages acupuncture - whatever recharges you!

Team summits ✨ Summits play an important role at Rain! Time spent together helps us get to know each other strengthen our relationships and build a common destiny. Expect team and company offsites both domestically and internationally.

What We Do

Our technology makes it easy for companies—from fast-growing startups to global fintechs—to integrate stablecoins into their products platforms and payment flows. Whether they’re launching a credit card program enabling cross-border payments or embedding wallets Rain builds the tools to do it fast flexibly and compliantly. We’re built for the next generation of global finance. Our infrastructure combines the stability of trusted payment networks with the power of Web3—multi-chain support 7-day-a-week settlement and seamless stablecoin interoperability. We help companies unlock real-world use cases for digital assets without the regulatory headaches or crypto complexity. Rain is a Visa Principal Member and is trusted by over 130 organizations worldwide. We’ve processed hundreds of millions of dollars in transactions across 150+ countries—and we’re just getting started. If you’re excited about building the future of payments we’re always looking for more Rainmakers to help us make money move—instantly globally and securely.

Why Work With Us

Rain is building frontier fintech at a moment of real regulatory clarity which has unlocked a massive new market for stablecoins. Backed by top institutional and crypto-native investors we’re a lean team with a big mission. All Rainmakers take on real ownership tackle complex problems and have fun doing it.

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