Cardless Product Compliance Manager at Cardless responsible for compliance review of new card programs, features, fees, and terms. Ensures product changes meet regulatory and bank partner requirements.
Responsibilities
Every new card, feature, fee and disclosure at Cardless gets a compliance review before it ships. We're hiring someone to make that review their main job.
Product and business teams will come to you to find out whether an idea works under Reg Z and the other consumer rules, and if it doesn't, what would. You'll also take product changes through review with the banks that issue our cards. It's a hands-on role with no direct reports, and you'll report to our CCO.
Review new card programs, features, fees and terms before launch, and tell the team what has to change and why.
Check disclosures, application flows and servicing flows against the rules and against what each issuing bank expects.
Work through new features where the regulation doesn't give a clear answer. Write up a recommendation someone can act on.
Get product and disclosure changes approved by our bank partners.
Set up how reviews work here: intake, checklists, sign-off, and records an examiner could follow a year later.
Keep product teams current when a rule changes.
Qualification
You write clearlyDebit or prepaid card experienceYou use AI tools in your everyday workThis role isn't a fit ifYou need a fully remote schedule
Required
Around 3 to 6 years in consumer compliance, regulatory advisory or legal at a bank, card issuer or fintech.
You've reviewed credit card products yourself (fees, APRs, terms, disclosures or account flows) and told the business what to do.
Strong working knowledge of Reg Z and the CARD Act. Reg E, Reg B, FCRA and UDAAP as they apply to cards.
You write clearly, and you give a recommendation, not just a list of risks.
You're comfortable owning work without a playbook.
Preferred
Experience at a program manager or BaaS company, or working directly with an issuing bank.
Debit or prepaid card experience.
Marketing or advertising compliance review for credit cards. If that's your background and you want to move into product, we'd like to hear from you.
CRCM or another consumer compliance certification.
You use AI tools in your everyday work.
This role isn't a fit if
You need a fully remote schedule. We're in our San Francisco office at least three 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.
You'd rather follow an established playbook. You'll be writing this one.
