Product Compliance Manager

About the role

Rain builds payment infrastructure for stablecoins, partnering with fintechs, neobanks and institutions to power card transactions, cross-border payments, B2B purchases and remittances. It is hiring a Product Compliance Manager in New York to ensure every product shipped is compliant by design, sitting between Product, Engineering, Legal and Compliance and turning regulations and card network rules into clear product requirements before code is written.

Key responsibilities

• Own product compliance reviews, assessing new products, features and partner programs end to end, from PRD to launch, and signing off on the required compliance controls.
• Turn regulations and network rules into concrete specs, controls and acceptance criteria that Product and Engineering can build against.
• Keep card programs compliant with Visa and Mastercard operating rules as a Principal Member, including program approvals, network registrations and periodic attestations.
• Apply US consumer protection rules (Reg E, Reg Z, TILA, UDAAP, ECOA and state requirements) to cardholder agreements, disclosures, fees, rewards and dispute flows.
• Review partner programs, including use cases, marketing materials, cardholder terms and onboarding flows, and monitor them after launch.
• Work with Financial Crimes to embed KYC/KYB, sanctions screening and transaction monitoring in products such as wallets, payouts, onramps and offramps.
• Follow stablecoin, payments and money transmission developments, including federal stablecoin rules and MiCA, and flag changes affecting the roadmap.
• Maintain product compliance policies, the review process, a product risk inventory and the evidence trail requested by banks, networks, regulators and auditors.

Required profile

• 5+ years in product compliance, regulatory compliance or a similar role at a fintech, card issuer, program manager, sponsor bank or payments company.
• Hands-on knowledge of card issuing: Visa and/or Mastercard operating rules, prepaid and credit programs, and the issuer-processor-program manager model.
• Working knowledge of US consumer financial regulation, including Reg E, Reg Z, UDAAP and state money transmission rules.
• Track record of reviewing products before launch and writing requirements engineers can build from.
• Sound judgment on risk and clear writing for engineers, bank partners and regulators.

Nice to have

• Experience with stablecoins, digital assets or crypto-linked card programs.
• Exposure to MiCA, UK FCA rules or APAC payments licensing.
• BSA/AML, OFAC and FinCEN familiarity; a JD or CAMS/CRCM certification.
• Reading API docs and using Linear, Jira or Notion.

What we offer

• Unlimited time off, with at least 10 days taken per year.
• Flexible working, with a home-office stipend for new hires.
• Health, dental and vision plans, a fully company-subsidized life insurance plan, and a 401(k) with a 4% company match.
• Equity option plan.
• Team summits and off-sites.