Compliance Manager
San Francisco, California
Compliance /
Full-Time /
On-site
Cardless is looking for an experienced and strategic Compliance Manager to join our growing Compliance team. This role will support the successful launch and ongoing compliance of our co-branded credit card programs and serve as a key advisor to our Operations, CX, Risk, and Credit teams.
As a key member of the Compliance team, you’ll work closely with the Chief Compliance Officer to build and scale a proactive compliance program that aligns with evolving regulatory expectations and enables business innovation. You’ll help shape product design, operational controls, and customer experience through thoughtful guidance and risk-aware decision-making.
What You’ll Do
- Advise Product & Operational Teams: Act as the primary compliance advisor to cross-functional teams, providing guidance on new product features, servicing processes, and customer communications.
- Conduct Monitoring & Testing Efforts: Build and execute monitoring and testing plans across operational and customer-facing areas; identify and drive resolution of compliance gaps.
- Support Regulatory & Bank Partner Engagements: Collaborate with our bank partner to ensure alignment on expectations and support audits, exams, and due diligence efforts.
- Oversee Issue Management: Track, investigate, and remediate compliance issues and incidents, ensuring timely resolution, documentation, and root cause analysis.
- Oversee Complaints & Investigations: Manage intake and resolution of complaints and compliance issues, working with internal stakeholders to ensure timely remediation.
- Track Regulatory Change: Monitor emerging regulatory developments and lead implementation efforts for applicable changes that impact our lending platform.
- Manage Third-Party Risk: Maintain and enhance the third-party risk management program, including due diligence, ongoing monitoring, and compliance oversight of key vendors and service providers.
- Report to Compliance Committee: Prepare and present regular reports on compliance performance, issues, and risks to the internal Compliance Committee and key stakeholders.
What We’re Looking For
- 5+ years of compliance experience in fintech, banking, lending, or payments, with a strong understanding of consumer protection regulations.
- Solid knowledge of key regulations including TILA/Reg Z, ECOA/Reg B, UDAAP, FCRA/Reg V, and marketing and servicing guidelines.
- Product-oriented mindset with experience advising on product and feature design in a fast-paced, agile environment.
- Strong communicator able to explain complex issues to diverse stakeholders including executives, engineers, risk leaders, and regulators.
- Hands-on experience with credit cards or unsecured lending products, ideally in a co-branded or digital-first context.
- Self-starter who thrives in a collaborative, high-growth environment and can manage competing priorities effectively.
$120,000 - $150,000 a year
This role has an annual starting salary range of $120,000 - $150,000 + 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.
