Consumer Compliance Manager, Card Products

Cardless is building the infrastructure for the world's best companies to design, build, and launch financial products of their own. Companies like Coinbase and Bilt use Cardless to create credit cards that feel entirely their own. In an industry where branded financial products usually mean shared logos and shared control, Cardless is built to disappear. Our APIs and components shape the journey from the first application to every purchase, reward, and moment of support that follows, while we handle lending, compliance, and operations behind the scenes.

In September 2025, we raised a $60 million Series C led by Spark Capital, bringing our total funding to $170 million. The team is over 70 people and scaling toward profitability by year-end 2026.

We're looking for kind, humble people with high standards and low egos. We take the work seriously without taking ourselves too seriously. We see what could be improved, make it so, and leave every product, system, and team better than we found it.

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: you'll advise on new card programs and features, product terms, pricing and fee disclosures, and application and servicing flows across the product lifecycle, review them for regulatory issues, and give product and business teams 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, so your advice and reviews account for obligations across multiple bank partners, each with its own expectations and approval process.

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  Hands-on experience across both credit and debit card products.

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  CRCM or another consumer compliance certification.

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  Exposure to fintech or partner-bank program structures, or experience standing up or maturing a product-compliance function.

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  Interest in consumer finance, loyalty programs, and card products, and curiosity about how compliance can enable responsible growth.

• We work in the office 5 days a week in San Francisco. If you need a hybrid or remote schedule, this is not the seat.

• There is no playbook for this role and no daily check-in. If you do your best work with structure handed to you, this is not the seat.

• This is a hands-on build, not a maintenance job. If you are looking for a quiet compliance role with settled processes, this is not the seat.

• Own product compliance for a growing set of credit and debit card programs, with direct influence on what gets built and how new programs and features come to market.

• Take over the product-compliance and advisory work our compliance leadership does today and build the function, across multiple bank-partner relationships with different regulatory expectations.

• Be part of a well-respected compliance team and culture, with high autonomy, interesting projects, and room to grow.