Consumer Compliance Manager, Card Products

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

Benefits offered by this job

Equity

Health coverage

Catered lunches

Commuter benefits

Parental leave

Team events

Flexible PTO

Apple equipment

401k plan

Job summary

Cardless in San Francisco is seeking a detail-oriented compliance professional to own product compliance across card programs, credit and debit. You’ll advise on new programs, terms, pricing, disclosures, and flows, reviewing them for regulatory issues and practical deployment.

This hands-on, individual-contributor role runs product-compliance reviews, advisory activities, and builds the function across bank-partner relationships, with audit-ready records and sign-off workflows.

Qualifications

• 3–6 years in compliance, legal, or regulatory advisory within banking/fintech/consumer financial services
• Hands-on experience reviewing consumer product features, terms, pricing and fee disclosures, or application/servicing flows
• Ability to translate regulation into practical product guidance and handle novel features

Responsibilities

• Advise product, business, and operations on regulatory compliance of new card programs, terms, pricing, fees across credit and debit from concept to launch and servicing
• Review terms, pricing, disclosure packages, and flows against regulations and bank requirements
• Interpret and apply Regulation Z, E, DD, B, UDAAP, FCRA to product decisions including novel features
• Identify issues early in the product lifecycle and propose workable disclosure solutions
• Build and maintain product-compliance checklists, intake, sign-off workflows, and audit-ready records
• Partner with issuing bank partners on review and sign-off, escalating to senior leadership when needed
• Contribute to regulatory change management and internal training

Skills

Regulatory compliance

Regulation Z/E/DD/B/UDAAP/FCRA

Banking/fintech advisory

Regulatory interpretation

AI tools efficiency

Job description

About Cardless

Cardless is building the infrastructure for the world's best companies to design, build, and launch financial products. Companies like Coinbase and Bilt use Cardless to create credit cards that feel entirely their own. In an industry where branded financial products usually mean shared logos and shared control, Cardless is built to disappear. Our APIs and components shape the journey from the first application to every purchase, reward, and moment of support that follows, while we handle lending, compliance, and operations behind the scenes.

Cardless is building the infrastructure for the world's best companies to design, build, and launch financial products. Companies like Coinbase and Bilt use Cardless to create credit cards that feel entirely their own. In an industry where branded financial products usually mean shared logos and shared control, Cardless is built to disappear. Our APIs and components shape the journey from the first application to every purchase, reward, and moment of support that follows, while we handle lending, compliance, and operations behind the scenes.

In September 2025, we raised a $60 million Series C led by Spark Capital, bringing our total funding to $170 million. The team is over 70 people and scaling toward profitability by year-end 2026.

We're looking for kind, humble people with high standards and low egos. We take the work seriously without taking ourselves too seriously. We see what could be improved, make it so, and leave every product, system, and team better than we found it.

About The Role

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: you'll advise on new card programs and features, product terms, pricing and fee disclosures, and application and servicing flows across the product lifecycle, review them for regulatory issues, and give product and business teams 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, so your advice and reviews account for obligations across multiple bank partners, each with its own expectations and approval process.

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: product-review checklists, advisory intake, sign-off workflows, and audit-ready records. It is a strong opportunity for a compliance professional with real product and regulatory depth who wants hands-on ownership of card product compliance and is eager to grow with a strong compliance team.

What you'll do

• 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 against 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, and make sure required disclosures and terms are built into each launch.
• 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 elevate higher-risk or novel issues to senior compliance leadership with a recommendation.
• Contribute to regulatory change management for the product portfolio and to training across the organization.

What we're looking for

• Typically 3 to 6 years in compliance, legal, or regulatory advisory within banking, fintech, or consumer financial services, with hands-on experience reviewing and advising on consumer product features, terms, pricing and fee disclosures, or application and servicing flows.
• Working knowledge of consumer protection regulations across credit and debit card products (Regulation Z, Regulation E, Regulation DD, Regulation B, UDAAP, FCRA).
• The judgment to interpret regulation into practical product guidance and to reason through novel features where the rule is not directly on point.
• Clear written and verbal communication, giving business teams a defensible recommendation rather than just a flag.
• A collaborative, advisory mindset and comfort managing multiple product workstreams and deadlines across product, business, design, and operations.
• Comfort using AI tools to work more efficiently and expand coverage, and 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, or experience standing up or maturing a product-compliance function.
• Interest in consumer finance, loyalty programs, and card products, and curiosity about how compliance can enable responsible growth.

This role isn't a fit if

• You'll work from our San Francisco office 5 days a week. If you're based in the Salt Lake City area and can meet with partners there in person, we'll also consider you working from home. If you need a hybrid or remote schedule outside of that, this role isn't the right fit.
• There is no playbook for this role and no daily check-in. If you do your best work with structure handed to you, this is not the seat.
• This is a hands-on build, not a maintenance job. If you are looking for a quiet compliance role with settled processes, this is not the seat.

Why this role

• 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 and build the function, across multiple bank-partner relationships with different regulatory expectations.
• Be part of a well-respected compliance team and culture, with high autonomy, interesting projects, and room to grow.

Compensation

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

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 in Jackson Square. We're in the office at least three days a week, and most of us are there more than that, because we do our best thinking and building together in person. We're looking for someone who’s genuinely excited to be there alongside the team.