Product Compliance Manager

Cardless•San Francisco, CA

16h•$130,000 - $150,000•Onsite

About The Position

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.

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, not just a flag.
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.

Nice To Haves

Hands-on experience across both credit and debit card products.
CRCM or another consumer-compliance certification.
Exposure to fintech or partner-bank program structures.
Experience standing up or maturing a product-compliance function.
Interest in consumer finance, loyalty programs, and card products.
Curiosity about how compliance can enable responsible, innovative growth.

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 rather than simply blocking.
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 as needed.
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.