Consumer Compliance Manager, Card Products

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

Job summary

Cardless is seeking a Consumer Compliance Manager to own product compliance across card programs, advising on terms, pricing, disclosures, and servicing to meet regulatory and partner bank requirements.

You will review features and disclosures, interpret consumer protection laws, and build out checklists and workflows while partnering with bank clients. This is an individual contributor role in a fast‑paced fintech environment.

Qualifications

• 3–6 years in compliance or regulatory advisory within banking/fintech.
• Experience reviewing consumer financial product disclosures and flows for regulatory compliance.
• Working knowledge of consumer protection regulations across credit and debit card products.
• Ability to translate regulation into practical, customer‑friendly guidance.
• Strong written and verbal communication with cross‑functional collaboration.

Responsibilities

• Advise product, business, and operations on compliance of new card programs, terms, pricing, and fees from concept to servicing.
• Review terms, pricing, disclosures, and flows for regulatory alignment with bank requirements.
• Interpret and apply Regulation Z, E, DD, B, UDAAP, FCRA to product decisions, including novel features.
• Identify regulatory issues early and propose defensible, workable solutions.
• Build and maintain product‑compliance review checklists, intake, sign‑off workflows, and audit records.
• Partner with issuing banks on review and sign‑off, and respond to inquiries as needed.
• Escalate higher‑risk issues with analysis and recommendations.
• Contribute to regulatory change management and internal training.

Skills

Regulatory compliance

Product advisory

Cross‑functional collaboration

Communication

Independent ownership

Tools

AI tools

Job description

The Job

We're looking for a detail-oriented, business-minded compliance professional to own product compliance across Cardless's card programs, credit and debit. This role sits at the intersection of compliance, product, and the business, advising on new card programs and features, product terms, pricing and fee disclosures, and application and servicing flows so they meet regulatory and partner bank requirements across the product lifecycle. As a Consumer Compliance Manager, you'll review product features, terms, and disclosure packages for regulatory issues and advise product and business teams on practical, customer-friendly ways to get to a compliant answer. This is the product compliance and advisory work our compliance leadership does today, and you'll take it over and build it out.

Cardless is a program manager that partners with FDIC- and OCC-regulated issuing banks to design and deliver co-branded credit and debit card programs. Our compliance team operates within this bank partnership model, which means your advice and reviews must account for obligations across multiple bank partners with different regulatory expectations and approval processes. Understanding the program-manager structure is key to succeeding in this role.

This is a hands-on, individual-contributor role with no direct reports. You'll personally run the product-compliance reviews and advisory and build the function itself, turning today's informal, case-by-case approach into clear product-review checklists, advisory intake, sign-off workflows, and audit-ready records, rather than maintaining a program that already exists.

This is a strong opportunity for a compliance professional with real product and regulatory depth who wants hands‑on ownership of card product compliance in a fast-paced, high-growth fintech, and who is eager to lean in and grow with a strong compliance team.

Responsibilities

• Advise product, business, and operations teams on the compliance of new card programs, features, terms, pricing, and fees across credit and debit, from concept through launch and into servicing.

• Review product terms, pricing and fee structures, disclosure packages, and application and servicing flows for alignment with applicable regulations and partner bank requirements.

• Interpret and apply Regulation Z, Regulation E, Regulation DD, Regulation B, UDAAP, FCRA, and related consumer protection laws to product decisions, including novel features where the rule is not directly on point.

• Identify regulatory issues early in the product lifecycle and recommend defensible, workable solutions rather than simply blocking.

• Support new card program and feature launches by ensuring required disclosures, terms, and regulatory elements are correctly built into the product.

• Build and maintain product-compliance review checklists, advisory intake, sign-off workflows, and audit-ready records.

• Partner with issuing bank partners on product and disclosure review and sign-off, and respond to compliance-related inquiries as needed.

• Escalate higher-risk or novel issues to senior compliance leadership with clear analysis and a recommendation.

• Contribute to regulatory change management for the product portfolio and to training and awareness across the organization.

Requirements

• Typically 3 to 6 years of experience in compliance, legal, or regulatory advisory within banking, fintech, or consumer financial services, with hands‑on product or regulatory compliance work.

• Hands‑on experience reviewing and advising on consumer financial product features, terms, pricing and fee disclosures, or application and servicing flows for regulatory compliance.

• Working knowledge of consumer protection regulations across credit and debit card products (Regulation Z, Regulation E, Regulation DD, Regulation B, UDAAP, FCRA).

• Ability to interpret regulation and translate it into practical, customer-friendly product guidance, with the judgment to reason through novel features where the rule is not directly on point.

• Clear written and verbal communication skills, with the ability to give business teams a defensible recommendation, not just a flag.

• Ability to manage multiple product workstreams and deadlines in a fast‑paced environment.

• A collaborative, advisory mindset and comfort partnering cross‑functionally with product, business, design, and operations teams.

• Comfort using AI tools to work more efficiently and expand coverage.

• Proven ability to operate independently, without a defined playbook or daily check‑ins.

Bonus Points

• Hands‑on experience across both credit and debit card products.

• CRCM or another consumer‑compliance certification.

• Exposure to fintech or partner‑bank program structures.

• Experience standing up or maturing a product‑compliance function.

• Interest in consumer finance, loyalty programs, and card products.

• Curiosity about how compliance can enable responsible, innovative growth.

Before You Apply

A few things worth knowing:

• We work in the office 5 days a week. We know that's a dealbreaker for some people, and that's okay.

• This is an early‑stage company. We're a small team servicing hundreds of thousands of customers. You'll be building processes that don't exist yet, not optimizing ones that do. If you want structure handed to you, this isn't the right fit.

• You’ll need to be highly self‑directed. There isn't a playbook for this role, and you won't get daily check‑ins. We're looking for someone who sees what's broken or missing, takes ownership, and follows through without being asked.

• The pace is intense and this role is hands‑on. We have aggressive goals and a lot to build. This isn't a 9‑to‑5, quiet, maintenance‑mode compliance job, and you'll be in the middle of everything.

If that scared you off, no hard feelings. If it got you excited, keep reading.

Why this Role is cool

• Own product compliance for a growing set of credit and debit card programs, with direct influence on what gets built and how new programs and features come to market.

• Take over the product-compliance and advisory work our compliance leadership does today, advising the business across the full product lifecycle.

• Build the function, not inherit it. You'll turn an informal, case‑by‑case advisory approach into clear product-review checklists, sign‑off workflows, and audit‑ready records.

• Work across multiple bank‑partner relationships with different regulatory expectations, giving you broader exposure than a single‑institution role.

• Be part of a well‑respected compliance team and culture, with high autonomy, cool projects, and room to grow.

Compensation

This role has an annual starting salary range of $130,000 to $150,000 + equity + benefits. Actual compensation is influenced by a wide array of factors including but not limited to skills, experience, and specific work location.

Benefits

We're proud to offer our team excellent benefits:

• Meaningful Start-up equity

• 100% health, vision & dental primary coverage

• 75% health, vision & dental dependent coverage

• Catered lunches

• $250/month Commuter benefit

• Parental leave

• Team building events & happy hours

• Flexible PTO with a minimum of 15 days off per year

• Apple equipment

• 401k plan

Location

We're headquartered in San Francisco, CA, with a beautiful office near the Transamerica building. This role is in‑office 5 days a week.