Card Product Compliance Lead

Cardless, Inc.; San Francisco (CA); On-site; USD 130,000 - 150,000; Full time

Benefits offered by this job

Startup equity

Health insurance

401k plan

Catered lunches

Commuter benefit

Parental leave

Team events

Flexible PTO

Apple equipment

Job summary

Cardless, Inc. in San Francisco seeks a detail-oriented compliance professional to own product compliance across Cardless’s card programs, credit and debit.

This hands-on role advises on new programs, terms, pricing, and disclosures through the product lifecycle and builds clear review checklists and audit-ready records. You will partner with issuing banks, guide regulatory interpretations, and drive the function forward with independent judgment and strategic influence in a fast-paced fintech

Qualifications

• This role requires 3–6 years in compliance, legal, or regulatory advisory with hands-on product work.
• Experience reviewing and advising on consumer financial product features, terms, and disclosures.
• Knowledge of consumer protection regulations for credit/debit cards (Reg Z/E/D/B, UDAAP, FCRA).
• Ability to interpret regulation and translate it into practical guidance for products.
• Strong written and verbal communication to provide defensible recommendations.
• Ability to manage multiple workstreams in a fast-paced environment.
• A collaborative, advisory mindset across product, business, design, and operations.
• Comfort using AI tools to expand coverage.
• Proven ability to operate independently without a daily playbook.

Responsibilities

• Advise product, business, and operations teams on compliance of new card programs, features, terms, pricing, and fees.
• Review terms, pricing, disclosures, and flows for regulatory alignment with regulations and partner banks.
• Interpret and apply Reg Z, Reg E, Reg DD, Reg B, UDAAP, FCRA to product decisions, including novel features.
• Identify regulatory issues early and propose workable solutions.
• Support launches by ensuring disclosures and regulatory elements are built into products.
• Build and maintain product-compliance review checklists and sign-off workflows.
• Partner with issuing bank partners on review and sign-off, responding to inquiries.
• Escalate high-risk issues to senior leadership with analysis and recommendations.
• Contribute to regulatory change management and internal training.

Skills

Regulatory compliance

Consumer regs

Regulatory review

Cross-functional collaboration

Independent contributor

AI tools comfort

Communication skills

Job description

Cardless, Inc. in San Francisco seeks a detail-oriented compliance professional to own product compliance across Cardless’s card programs, credit and debit.

This hands-on role advises on new programs, terms, pricing, and disclosures through the product lifecycle and builds clear review checklists and audit-ready records. You will partner with issuing banks, guide regulatory interpretations, and drive the function forward with independent judgment and strategic influence in a fast-paced fintech