Product Compliance Manager

As a Product Compliance Manager at Rain, you'll ensure every product the company ships is compliant by design. You'll sit between Product, Engineering, Legal and Compliance, turning regulations and card network rules into clear product requirements before code is written. Rain moves fast-partners go live in weeks, and new products like embedded wallets, credit and prepaid programs, and agent-issued virtual cards keep coming. You'll own the compliance review that lets that speed hold up with regulators, the networks, bank partners and auditors.

What you'll do

• Own product compliance reviews, assessing new products, features and partner programs end to end from PRD to launch, and sign off on the compliance requirements each one needs.
• Translate regulations and network rules into concrete specs, controls and acceptance criteria that Product and Engineering can build against.
• Keep card programs network-compliant by owning adherence to Visa and Mastercard operating rules as a Principal Member, including program approvals, network registrations and periodic attestations.
• Apply Reg E, Reg Z, TILA, UDAAP, ECOA and state requirements to cardholder agreements, disclosures, fees, rewards and dispute flows.
• Assess partner use cases, marketing materials, cardholder terms and onboarding flows before launch, and monitor them after.
• Work with Financial Crimes to ensure KYC/KYB, sanctions screening and transaction monitoring requirements are built into products such as wallets, payouts, onramps and offramps.
• Follow stablecoin, payments and money transmission developments in the US and abroad, including federal stablecoin rules and MiCA, and flag what changes your roadmap.
• Maintain product compliance policies, the review process, a product risk inventory and the evidence trail that bank partners, networks, regulators and auditors ask for.

What you bring

• 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.
• A track record of reviewing products before launch and writing requirements that engineers actually build from.
• Sound judgment on risk: you know when to say "yes, if" and when to say no, and you can explain both.
• Clear writing for very different readers, from an engineer's ticket to a bank partner's due diligence questionnaire.

Nice to have

• Experience with stablecoins, digital assets or crypto-linked card programs.
• Exposure to international regimes such as MiCA, UK FCA rules or APAC payments licensing.
• Background at a Principal Member issuer or sponsor bank, including network audits or bank partner exams.
• Familiarity with BSA/AML, OFAC and FinCEN requirements.
• A JD or a certification such as CAMS or CRCM.
• Comfort reading API docs and working inside tools like Linear, Jira or Notion.

What we offer

• Unlimited time off, with a minimum of 10 days required per year.
• Flexible working: work from home or in an office depending on where you're most productive, plus a stipend to set up your home environment.
• Comprehensive health, dental, and vision plans for you and your dependents (US-based), plus a 100% company-subsidized life insurance plan.
• 401(k) with a 4% company match.
• Equity option plan for all team members.
• A Rain Card to test and learn about the company's core products and services.
• Health and wellness spending: use your card for gym memberships, fitness classes, massages, acupuncture and other wellness activities.
• Team summits and off-sites both domestically and internationally.

About Rain

Rain makes the next generation of payments possible across the globe, powering card transactions, cross-border payments, B2B purchases, remittances and more through stablecoin infrastructure. Backed by top investors including Sapphire Ventures, Norwest, Galaxy Ventures, Lightspeed and Khosla, Rain partners with fintechs, neobanks and institutions to help them launch global, inclusive and efficient solutions.