Payments & Privacy Counsel New York, NY, Remote
P2P, New York, NY, United States
Location
New York, NY
Employment Type
Full time
Location Type
Hybrid
Department
Legal
Compensation
$165K – $280K
What You'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, U.S. 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 U.S.‑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 U.S. 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.
Benefits
Unlimited time off. Unlimited vacation can be daunting, so we require Rainmakers to take at least 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 in an office, feel free to come in. New Rainmakers will have a stipend to create a comfortable atmosphere at home.
Easy to access benefits. For U.S. 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 the team to use for testing our core products and services.
Health and wellness. Rainmakers can use their card for eligible health and wellness spending such as gym memberships, fitness classes, massages, acupuncture, and other recharge activities.
Team summits. We hold team and company offsites both domestically and internationally to strengthen relationships and build a common destiny.
Compensation Range: $165K - $280K
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New York, NY
Employment Type
Full time
Location Type
Hybrid
Department
Legal
Compensation
$165K – $280K
What You'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, U.S. 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 U.S.‑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 U.S. 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.
Benefits
Unlimited time off. Unlimited vacation can be daunting, so we require Rainmakers to take at least 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 in an office, feel free to come in. New Rainmakers will have a stipend to create a comfortable atmosphere at home.
Easy to access benefits. For U.S. 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 the team to use for testing our core products and services.
Health and wellness. Rainmakers can use their card for eligible health and wellness spending such as gym memberships, fitness classes, massages, acupuncture, and other recharge activities.
Team summits. We hold team and company offsites both domestically and internationally to strengthen relationships and build a common destiny.
Compensation Range: $165K - $280K
#J-18808-Ljbffr