Payments & Privacy Counsel
8.0/10
Rain
$165,000 – $280,000 USD
Office / on-site
mid
about 1 month ago
May be outdated
cryptofintechweb3
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Description
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.
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; 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.
- •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: We offer a 401(k) with a 4% company match.
- •Equity plan: We offer every Rainmaker an equity option plan so we can all benefit from our success.
- •Rain Cards: We issue a card for our team to utilize the card for testing.
- •Health and Wellness: Rainmakers are welcome to use their card for eligible health and wellness spending like gym memberships/fitness classes, massages, acupuncture.
- •Team summits: Expect team and company offsites both domestically and internationally.
Requirements
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.
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