Product Compliance Manager, Credit Cards

Cardless•San Francisco, CA

4d•$150,000 - $180,000•Onsite

About The Position

Cardless is hiring a Product Compliance Manager to own compliance reviews for its credit card products. The role reviews new cards, features, fees, terms, disclosures, applications, and servicing flows before launch, assesses them against consumer regulations and issuing-bank expectations, and recommends practical changes when needed. The position also takes product and disclosure changes through approval with bank partners and establishes the company's review processes, documentation, and sign-off practices. The role has no direct reports and reports to the CCO. This is a hands-on consumer card product compliance role on a growing team. The person will work closely with product and business teams, interpret regulations where guidance is unclear, document recommendations, and keep teams current when rules change. The position is based in the San Francisco office, with a stated exception for candidates in the Salt Lake City area who can meet with partners there in person.

Requirements

Around 3 to 6 years of experience in consumer compliance, regulatory advisory, or legal work at a bank, card issuer, or fintech.
Direct experience reviewing credit card products, such as fees, APRs, terms, disclosures, or account flows, and advising the business on what to do.
Strong working knowledge of Regulation Z and the CARD Act.
Knowledge of Regulation E, Regulation B, FCRA, and UDAAP as they apply to cards.
Clear writing skills and the ability to provide recommendations rather than only listing risks.
Comfort owning work without an established playbook.
Ability to work from the San Francisco office five days a week; candidates based in the Salt Lake City area may be considered for working from home if they can meet with partners there in person.

Nice To Haves

Experience at a program manager or BaaS company, or direct experience working with an issuing bank.
Debit or prepaid card experience.
Marketing or advertising compliance review experience for credit cards.
CRCM or another consumer compliance certification.
Use of AI tools in everyday work.

Responsibilities

Review new card programs, features, fees, and terms before launch, and explain required changes and their rationale.
Assess disclosures, application flows, and servicing flows against applicable rules and issuing-bank expectations.
Analyze new features when regulations do not provide a clear answer and write actionable recommendations.
Obtain approvals for product and disclosure changes from bank partners.
Establish review processes, including intake, checklists, sign-off, and records suitable for future examination.
Keep product teams informed when regulations change.