Regulatory Compliance Specialist

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: 1–3 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 can 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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