Product Compliance Manager, Cardless

• Around 3 to 6 years in consumer compliance, regulatory advisory or legal at a bank, card issuer or fintech
• You've reviewed credit card products yourself (fees, APRs, terms, disclosures or account flows) and told the business what to do
• Strong working knowledge of Reg Z and the CARD Act. Reg E, Reg B, FCRA and UDAAP as they apply to cards
• You write clearly, and you give a recommendation, not just a list of risks
• You're comfortable owning work without a playbook

Desirable

• Every new card, feature, fee and disclosure at Cardless gets a compliance review before it ships. We're hiring someone to make that review their main job
• Product and business teams will come to you to find out whether an idea works under Reg Z and the other consumer rules, and if it doesn't, what would. You'll also take product changes through review with the banks that issue our cards. It's a hands-on role with no direct reports, and you'll report to our CCO
• Review new card programs, features, fees and terms before launch, and tell the team what has to change and why
• Check disclosures, application flows and servicing flows against the rules and against what each issuing bank expects
• Work through new features where the regulation doesn't give a clear answer. Write up a recommendation someone can act on
• Get product and disclosure changes approved by our bank partners
• Set up how reviews work here: intake, checklists, sign-off, and records an examiner could follow a year later
• Keep product teams current when a rule changes
• You'd review every card product we launch, across several issuing banks, and have a real say in what gets built
• You'd work directly with our CCO on a small, experienced compliance team
• It's a chance to build the function from the start at a company that's growing