Job Description

Regulatory Compliance Specialist

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.

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.

The Regulatory Compliance team is responsible for ensuring that Rain's products, operations, and customer-facing practices meet the requirements of applicable laws, regulations, and card network rules. We work closely with product, legal, operations, and customer experience teams to build compliant-by-design programs and resolve issues before they become regulatory problems. Our work spans the full lifecycle of a payment card product from how it's marketed and onboarded to how disputes are handled and complaints are resolved.

The Regulatory Compliance Specialist will report directly to the Manager of Regulatory Compliance and will serve as a key contributor on card network rules compliance, consumer protection requirements, and complaint support. This is an analyst-level role well-suited for someone early in their compliance career who wants broad exposure to the regulatory obligations of a card-issuing fintech.

Card Network Rules Compliance

• Support the development and maintenance of internal policies, procedures, and controls that reflect current network requirements across marketing, disputes, and chargebacks
• Assist in preparing responses to card network inquiries, audits, and compliance assessments
• Monitor and track updates to Visa and Mastercard network rules, operating regulations, and compliance bulletins, and assess their impact on company policies and procedures
• Partner with product and technology teams to flag network rule considerations during new product development and feature launches

Disputes & Chargebacks

• Work closely with the Customer Experience team to support dispute and chargeback workflows, ensuring processes align with applicable Visa/Mastercard rules and timeframes
• Assist in identifying trends in dispute and chargeback activity and escalating potential compliance gaps to the Manager of Regulatory Compliance
• Help maintain procedure documentation and job aids used by the Customer Experience team for dispute handling

Reg E/Z & UDAAP Complaints

• Support the complaints management process by assisting with tracking, categorization, and documentation of consumer complaints involving Regulation E, Regulation Z, and UDAAP obligations
• Help monitor complaint trends and contribute to periodic reporting for compliance leadership
• Assist in reviewing customer-facing disclosures, communications, and marketing materials for potential UDAAP concerns

You are likely to succeed if you have:

• 13 years of experience in compliance, regulatory affairs, or a related function within a financial institution, fintech, or payments company
• Foundational knowledge of Visa and/or Mastercard operating rules, with particular familiarity with dispute and chargeback frameworks
• Basic familiarity with Regulation E, Regulation Z, and UDAAP principles
• Strong organizational skills and attention to detail able to track multiple workstreams, deadlines, and rule change obligations simultaneously
• Clear written communication skills, including the ability to summarize regulatory requirements for non-compliance audiences
• Collaborative working style and comfort partnering across operations, product, and customer-facing teams
• Bachelor's degree required

Bonus attributes:

• Hands-on experience with card network rules compliance or dispute operations at a card issuer or payments processor
• Exposure to consumer complaint management processes or regulatory examination support
• Familiarity with supervisory expectations for fintech or non-bank card issuers
• Certifications like CRCM (Certified Regulatory Compliance Manager)

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. 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 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.

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