Compliance Officer

San Francisco, CA and Remote US
Compliance /
Full-Time /
At Cardless, we’re building a credit card and loyalty platform that consumer businesses use to engage their customers. We’ve launched 9 credit cards, including for the largest mall operator in the U.S. and the largest airline in South America. We help businesses bring imaginative card programs to life, and have pioneered technology to embed credit card features natively into their products.

We value curiosity, humility, and intensity — we move fast and take ownership. This is a place where a motivated, resourceful individual can have an enormous impact on our trajectory. We're headquartered in San Francisco, and have raised about $60M in equity funding from top venture capital firms and angels.


The Role

Cardless is seeking a Compliance Officer to join our stellar and growing Compliance team! The Compliance team is responsible for the successful launch of our custom cobrand credit cards in compliance with all relevant regulatory requirements. As a Compliance Officer, you will be responsible for supporting the Head of Compliance in carrying out the daily operations needed to sustain a robust compliance program focused on consumer lending. This role can be based in SF in our Headquarters or remote.

Experience working on compliance teams overseeing consumer lending products (ideally open-ended credit cards) and knowing the associated regulations, is a must!

The responsibilities

    • Assist in development, implementation and maintenance of sound internal controls
    • Support monitoring and testing program 
    • Leading initiatives and managing high-impact special project work streams with a results-driven focus to deliver solutions, including coordinating the implementation of new regulatory requirements. 
    • Assist with day to day compliance program tasks, such as handling ad-hoc investigations or complaints, including preparing submissions to regulators, and performing remediations 
    • Support compliance function through audits, examinations, and other procedures required by applicable regulatory frameworks
    • Educate, train and advise employees
    • Maintain and update compliance program policies, procedures and other documentation 
    • Review quality assurance information from our Customer Support team to perform trend analysis and inform bank reporting
    • Support Compliance team in engaging with bank partner
    • Collaborate with product, engineering, risk/credit and operations teams 

The Requirements

    • Excellent written and verbal communication skills
    • Knowledge of Consumer Compliance laws, rules, regulations, risks and typologies, Regulation Z (TILA), ECOA/Regulation B, UDAAP, Fair Credit Reporting Act (FCRA)/Regulation V, and CAN SPAM
    • Experience supporting Credit Cards or Lending Products
    • 5+ years experience in financial regulatory compliance, ideally in a fintech or payments setting
    • Proven experience as a compliance leader, and to operate in a fast-paced environment
    • Familiarity with industry practices and professional standards
$140,000 - $180,000 a year
This role has an annual starting salary range of $140,000 - $180,000 + equity + benefits (see below). Actual compensation is influenced by a wide array of factors including but not limited to skills, experience, and specific work location. 


We're headquartered in San Francisco, CA, with a beautiful office in the Mission District. 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


Cardless employees are required to be fully vaccinated and boosted against COVID-19, and to provide proof of vaccination prior to their first day. Cardless is an equal opportunity employer, and we value a diverse and inclusive workplace. We do not discriminate on the basis of race, national origin, ethnicity, gender, gender identity, sexual orientation, protected veteran status, disability, age, or any other applicable legally protected characteristics.