You have to create a new module under local : Yourcompany_Rma
In this module, define a minimalist etc/config.xml with the XML rewrite you need :
<config>
<modules>
<Yourcompany_Rma>
<version>0.1.0.0</version>
</Yourcompany_Rma>
</modules>
<global>
<payment>
<cc>
<types>
<AE>
<code>AE</code>
<name>American Express</name>
<order>0</order>
</AE> [...]
And then in the app/etc/modules
folder, add a new Yourcompany_Rma.xml
(or Yourcompany_All.xml) with :
<config>
<modules>
<Yourcompany_Rma>
<active>true</active>
<codePool>local</codePool>
<depends>
<Enterprise_Rma/>
</depends>
</Yourcompany_Rma>
</modules>
</config>
The depends node is vital because it will tell magento to load your XML after magento's one in order to your rewrite to work