Head of Compliance, Cardless
Plus equity
Office located in Mission District, CA
Co-branded credit card creation platform
Job no longer available
Co-branded credit card creation platform
21-100 employees
Job no longer available
Plus equity
Office located in Mission District, CA
21-100 employees
Company mission
To make credit more engaging, rewarding, and accessible.
Role
Who you are
- Minimum 10+ years of experience as a compliance professional in a banking, credit card or other highly-regulated consumer-facing financial service industry, with a preference for candidates having worked at growth-stage FinTech companies
- Subject matter expertise in banking, credit card, advertising, financial and consumer laws and regulations including the statutes and laws under the purview of the Consumer Financial Protection Bureau and Federal Deposit Insurance Corporation among other regulatory agencies. Expertise should include handling matters involving questions involving Truth in Lending Act, Reg Z, Equal Credit Opportunity Act, NACHA rules, UDAAP, CAN-SPAM, TCPA, FDCPA, FACTA, etc
- Extensive experience in launching and scaling credit card compliance programs
- Excellent written and verbal communication skills and the ability to influence internal and external stakeholders
- Ability to thrive in a fast-paced, ambiguous and unstructured environment
- Experience working closely with operations, engineering, customer success, and risk to implement compliance policies and procedures
- Oversee the records retention program, develop and implement data access controls, and administer compliance to satisfy privacy and data obligations
- Record of leading a compliance team and mentoring and coaching team members to success
What the job involves
- Cardless is seeking a Head of Compliance to lead our internal Compliance team working on building custom credit card programs for brands
- Reporting to the Chief Operations officer, the Head of Compliance will be responsible for managing and scaling a company-wide compliance program and team, responsible for the company’s daily operations in consumer lending
- Lead Cardless’ Compliance team to improve our existing Compliance program by implementing and maintaining company-wide programs designed to meet applicable legal and regulatory requirements
- Administer and keep up-to-date policies and procedures to ensure continued company compliance with applicable regulatory and legal statutes
- Manage internal and external regulatory examinations, audits, inquiries, and reviews related to Cardless’ consumer lending activities and practicesInvestigate, develop, and implement appropriate action plans in response to regulatory, testing, or audit findings
- Identify current and emerging regulatory risks, develop and implement risk mitigation plans
- Provide oversight of advertising and marketing programs, including approval processes and regulatory submissionsWork with product, engineering, and marketing teams on regulatory best-practices and requirements related to new products, existing product enhancements, and marketing initiatives
- Prepare and submit regulatory form filings as well as other internal and external reports
- Help to manage regulatory relationships, and lead development of responses to regulatory examination requests and inquiries
- Work closely with our internal team and our bank partner to launch, operate, and scale and grow Cardless’ credit card programs and internal Compliance team
- Serve as Cardless’ Bank Secrecy Act (BSA) Officer, implementing and overseeing Current’s BSA/AML/OFAC Program
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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