Senior Marketing Compliance Officer, Cardless

• 7+ years of experience in consumer, marketing, or product compliance within banking, fintech, or credit card programs
• Expert understanding of Reg Z, Reg B, UDAP (FTC), UDAAP (CFPB), CAN-SPAM, TCPA, FCRA, and other key consumer protection and marketing regulations
• Proven ability to apply regulatory knowledge strategically to enable creative, compliant growth
• Experience advising senior stakeholders across risk, credit, product, design, marketing, and operations
• Strong strategic and commercial mindset, balancing regulatory rigor with business priorities
• Exceptional communication, influence, and problem-solving skills, with a focus on practical, solutions-oriented guidance
• Demonstrated success leading cross-functional projects in fast-paced, high-growth environments
• Passion for innovation, customer experience, and responsible marketing

Desirable

• We’re looking for a strategic, commercially minded compliance leader to drive the successful launch of innovative credit card programs at Cardless
• This role blends deep regulatory expertise with business strategy — ensuring our products and marketing initiatives are compliant, customer-centric, and commercially impactful
• As the Senior Marketing Compliance Officer, you’ll own compliance strategy and execution across all stages of new card program launches — from reviewing application flows and marketing messaging to enabling seamless, compliant customer experiences
• You’ll collaborate directly with Cardless leadership across risk, fraud, operations, customer experience, engineering, and product to bring programs to market that are both compliant and competitively differentiated
• You’ll also partner closely with brand partners — including airlines, crypto platforms, and small businesses — to help design compelling, compliant card programs that align with their unique brand voices and customer loyalty goals
• Leveraging your regulatory expertise and strategic mindset, you’ll guide teams through complex challenges to deliver innovative, compliant outcomes that drive Cardless’s growth and our partners’ success
• This is a senior, high-visibility role offering broad ownership, autonomy, and the opportunity to shape how compliance enables innovation and business performance at Cardless
• Own and lead compliance strategy for new card program launches, ensuring end-to-end regulatory alignment from concept to customer experience
• Review and approve marketing materials and application flows for compliance with applicable regulations and partner-bank requirements
• Partner cross-functionally with marketing, product, operations, customer support and engineering to transform regulatory requirements into creative, customer-friendly solutions
• Advise senior leadership and brand partners on compliant, effective marketing strategies that balance risk and commercial goals
• Train and enhance AI-powered compliance tools to reflect unique product specifications, disclosures, and value propositions
• Leverage regulatory expertise to interpret and operationalize requirements across Reg Z, Reg B, UDAP (FTC), UDAAP (CFPB), CAN-SPAM, TCPA, FCRA, and related frameworks
• Drive strategic compliance enablement, turning regulatory insights into opportunities that support business innovation and sustainable growth
• Maintain audit-ready documentation and oversight processes for marketing reviews and approvals
• Refine and expand internal compliance frameworks to ensure consistency and clarity across Cardless and partner programs
• Champion collaboration and innovation, helping teams bring new ideas to market responsibly and effectively