About the role
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 Product 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.