Product Compliance Manager, Credit Cards

San Francisco. Posted 26 days ago

The role

The Product Compliance Manager will review new card programs, features, fees, and disclosures to ensure they meet consumer rules. You will work with product and business teams to provide regulatory recommendations and manage reviews with issuing banks.

What you will do

Review new card programs, features, fees and terms before launch
Check disclosures, application flows and servicing flows against rules and bank expectations
Write recommendations for new features where regulation is not clear
Get product and disclosure changes approved by bank partners
Set up review processes including intake, checklists, sign-off, and records
Keep product teams current when a rule changes

Required qualifications

Around 3 to 6 years in consumer compliance, regulatory advisory or legal at a bank, card issuer or fintech
Experience reviewing credit card products including fees, APRs, terms, disclosures or account flows
Strong working knowledge of Reg Z and the CARD Act
Strong working knowledge of Reg E, Reg B, FCRA and UDAAP as they apply to cards
Ability to write clearly and provide recommendations
Comfortable owning work without a playbook

Nice to have

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

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

About the company

Cardless builds infrastructure for companies to design, build, and launch financial products. The company handles lending, compliance, and operations behind the scenes for branded financial products.