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About the Role

This role is for a detail-oriented, business-minded compliance professional to own product compliance across Cardless's card programs (credit and debit). You will advise on new card programs and features, product terms, pricing and fee disclosures, and application and servicing flows to ensure they meet regulatory and partner bank requirements. This is a hands-on, individual contributor role where you will build out the product compliance function, establishing clear processes and documentation.

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.
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.
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 4 to 7 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.
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.

Skills

Product Compliance
Regulatory Advisory
Consumer Protection Laws
Regulation Z
Regulation E
Regulation DD
Regulation B
UDAAP
FCRA
Credit Card Products
Debit Card Products
Fintech
AI Tools

Location

San Francisco, CA

Work Type

In-office
Full-time

Experience Level

4-7 years

Salary/Compensations

$130,000 to $150,000

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

About the Company

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.
This is an early-stage company.
We have aggressive goals and a lot to build.