Chief Compliance Officer, Cardless
$260-330k
+ Equity
Co-branded credit card creation platform
Job no longer available
Co-branded credit card creation platform
21-100 employees
Job no longer available
$260-330k
+ Equity
21-100 employees
Company mission
To make credit more engaging, rewarding, and accessible.
Role
Who you are
- Approximately 20 years of experience in compliance within the consumer credit industry (ideally consumer credit cards), with significant experience in a banking environment
- Experience as a CCO or in a senior compliance role at a fintech startup operating in an FDIC-regulated space (lending or credit cards) is highly desirable
- Experience working with regulatory agencies such as the FDIC is highly desirable
- Extensive experience in launching and scaling credit card compliance programs
- Proven ability to develop and implement compliance programs in a fast-paced, high-growth environment
- Deep understanding of consumer lending regulations, including but not limited to the Truth in Lending Act (TILA), Regulation Z, Equal Credit Opportunity Act (ECOA), Fair Credit Reporting Act (FCRA), Fair Debt Collection Practices Act (FDCPA), Unfair, Deceptive, or Abusive Acts or Practices (UDAAP), Electronic Fund Transfer Act (EFTA), NACHA rules, CAN-SPAM, TCPA, FDCPA, FACTA, and statutes and laws under the purview of the Consumer Financial Protection Bureau (CFPB) and Federal Deposit Insurance Corporation (FDIC)
- Comprehensive knowledge of the statutes and regulations under the purview of the Consumer Financial Protection Bureau (CFPB) and Federal Deposit Insurance Corporation (FDIC)
- Expertise in handling regulatory matters involving questions related to the aforementioned regulations and other relevant consumer protection laws
- Strong leadership and team management skills, with a track record of building and leading high-performing compliance teams
- Excellent written and verbal communication skills, with the ability to effectively communicate complex regulatory concepts to all stakeholders
- Bachelor’s degree in a related field is required; advanced degrees or certifications (e.g., JD, CRCM) are preferred
What the job involves
- Cardless is seeking an accomplished and experienced Chief Compliance Officer (CCO) to lead and oversee our Compliance team
- This pivotal role ensures our consumer lending and credit card programs adhere to all regulatory requirements, mitigate risk, and operate with the highest level of integrity
- This role reports directly to the CEO
- Regulatory Compliance Oversight:
- Full ownership and responsibility for the Compliance Management System (CMS), ensuring its robustness and effectiveness
- Develop, implement, and manage a comprehensive compliance program to ensure adherence to all relevant laws and regulations, including those overseen by the FDIC, CFPB, and other regulatory bodies
- Oversee and manage internal and external regulatory examinations, audits, inquiries, and reviews related to Cardless consumer lending and credit card activities
- Monitor and report on compliance risks and issues, ensuring timely resolution and implementation of corrective actions
- Regulated partner relationships and reporting:
- Serve as the primary liaison with regulated partners, managing relationships and ensuring timely and effective communication
- Prepare and submit regulatory filings, reports, and responses to examination requests and inquiries
- Administer and oversee Cardless’ Bank Secrecy Act (BSA)/Anti-Money Laundering (AML)/Office of Foreign Assets Control (OFAC) Program
- Report to and interface with the Board of Directors, providing regular updates on compliance matters, risks, and strategies
- Leadership, team management, and cross-functional collaboration:
- Lead, scale, and develop the Compliance team, fostering a culture of compliance and ethical conduct across the organization
- Partner with product, engineering, marketing, and operations teams to ensure compliance is integrated into all business processes and product development initiatives
- Provide compliance oversight for advertising and marketing programs, including approval processes and regulatory submissions
Our take
Cardless is a financial technology company attempting to modernise co-branded credit card programs. There are around 200 brands in the U.S. with traditional cards that haven't been modernised in over 20 years. These traditional cards, from the likes of Costco and Sam's, enable shoppers to collect reward points that they can use for things like travel.
Cardless’ co-founders are no strangers to the financial industry. Michael Spelfogel spent time at Visa, and Scott Kazmierowicz worked in banking for Goldman Sachs. Through their experiences, they spotted a gap in the market for simple, credit card loyalty programs that focus on customer experiences. For example, it helps popular consumer brands launch credit cards that can engage with their fans and reward them with bespoke benefits.
The global credit card market is valued at over $100 billion. It's certainly big enough for consumer brands to enter; however, with Cardless acting as a middleman, there's always a risk that it could get frozen out by the big banks. Nevertheless, it secured $60 million in Series C funding in 2025, which will be used to expand its products, partnerships and card programmes.
Freddie
Company Specialist at Welcome to the Jungle
Insights
-30% employee growth in 12 months
Company
Funding (last 2 of 6 rounds)
Sep 2025
$60m
SERIES C
Nov 2024
$30m
GROWTH EQUITY VC
Total funding: $140m
Company benefits
- 💸 Competitive salaries, equity, and a 401(k) plan
- 🏥 Top-of-the-line healthcare (medical, vision, and dental), with 100% primary coverage and 75% dependent coverage for medical
- 🌴 Unlimited paid time off, with a minimum of 15 days off per year
- 👶 Parental leave for birthing and non-birthing parents
- ✈️ Team trips & offsites
- For in-office employees:
- 🍱 Catered lunch at the office every day, plus plenty of snacks & drinks
- 🚎 $250/month commuter assistance for public transit or our parking garage
- For remote employees:
- 🖥️ $500 remote setup stipend to help you do your best work
Company HQ
Mission District, San Francisco, CA
Leadership
Scott Kazmierowicz
(Co-Founder & CEO)Former Investment Banker at Allen & Company and Bank of America. Former Software Engineer at Goldman Sachs. BS in Computer Science at Stanford University.
Michael Spelfogel
(Co-Founder & President)Former Data Scientist at Lyft and Rent the Runaway. Formerly in Commercial Card Management at Visa. BASc in Management Science and Engineering at Berkley.
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