---
title: 'Product Compliance Manager, Credit Cards at Cardless'
canonical: 'https://feeny.ai/job/product-compliance-manager-credit-cards-cardless-san-francisco-62b1vj88ywge'
type: 'job'
last_seen: '2026-11-02'
---

# Product Compliance Manager, Credit Cards at Cardless

- **Company:** Cardless
- **Location:** San Francisco, CA
- **Compensation:** $150k–$180k
- **Employment:** full-time
- **Work type:** onsite
- **Posted:** 2026-10-19
- **Last confirmed live:** 2026-11-02
- **Apply:** https://jobs.ashbyhq.com/cardless/e3c51b3d-f68e-448f-b1e1-7d65639796e0

## Job description

## About Cardless

Cardless is building the infrastructure for the world's best companies to design, build, and launch financial products. Companies like Coinbase and Bilt use Cardless to create credit cards that feel entirely their own. In an industry where branded financial products usually mean shared logos and shared control, Cardless is built to disappear. Our APIs and components shape the journey from the first application to every purchase, reward, and moment of support that follows, while we handle lending, compliance, and operations behind the scenes. In September 2025, we raised a $60 million Series C led by Spark Capital, bringing our total funding to $170 million. The team is over 70 people and scaling toward profitability by year-end 2026. We're looking for kind, humble people with high standards and low egos. We take the work seriously without taking ourselves too seriously. We see what could be improved, make it so, and leave every product, system, and team better than we found it.

## About the role

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.

## What you'll do

- 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.

## What we're looking for

- 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.

Bonus Points

- 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. If that's your background and you want to move into product, we'd like to hear from you.
- CRCM or another consumer compliance certification.
- You use AI tools in your everyday work.

This role isn't a fit if

- You need a fully remote schedule. We're in our San Francisco office at least three days a week. If you're based in the Salt Lake City area and can meet with partners there in person, we'll also consider you working from home.
- You'd rather follow an established playbook. You'll be writing this one.
- Your compliance experience is mainly BSA/AML or mortgage. This seat is consumer card product work.
- You're a product manager, or your compliance work is data privacy, security or tech GRC. This is a regulatory compliance role, not a product management one.

## Why this role

- 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.

## Compensation

This role has an annual starting salary range of $150,000 to $180,000 plus equity and benefits (see below). Actual compensation is influenced by a wide array of factors including but not limited to skills, experience, and specific work location.

## Benefits

We're proud to offer our team excellent 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

Location We're headquartered in San Francisco, CA, with a beautiful office in Jackson Square. We’re in the office at least three days a week, and most of us are there more than that, because we do our best thinking and building together in person. We’re looking for someone who’s genuinely excited to be there alongside the team.

## About Cardless

## Company Overview
- **One-liner**: Cardless provides an embedded credit card platform with modular APIs and components that enable companies to build and launch branded, full-stack credit card programs.
- **Entity Type**: Private (Series C, led by Activant Capital, November 2024)
- **Headquarters**: San Francisco, California, United States
- **Founded**: 2019
- **Founders**: Scott Kazmierowicz (Co-Founder & CEO)

## Core Business
- **Primary industry**: Financial technology – embedded credit cards / co-branded credit card programs
- **Target customers**: B2B – enterprise brands and high-growth companies (e.g., Coinbase, Bilt, Alibaba, Qatar Airways) that want to offer native credit card experiences to their customers
- **Mission or purpose**: Empower companies to ship credit like they ship product – with full control over how it works, looks, and grows.

## Products & Services
- **Embedded Credit Platform (APIs & Pre-built Components)**: A set of modular tools including Application flow, Checkout integration, Card management, Transaction disputes, fraud detection, and compliance (KYC/AML). Companies can embed approvals, rewards, and card management directly into their own app or website. [cardless.com/platform]
- **End-to-End Program Operations**: Cardless handles ongoing program management, customer support, transaction processing, settlement, card production, and compliance (PCI DSS Level 1 certified). [cardless.com/platform]
- **Decisioning & Feedback Loop**: Combines customer behavior data with network-level signals for underwriting, fraud detection, and reward optimization – adapts in real time. [cardless.com/platform]

## Market Standing
- **Valuation**: Not publicly disclosed
- **Key Metrics**:
  - Annual Revenue: $9.8M (estimated, LinkedIn)
  - Total Funding: $195M across 7 rounds (as of 2024)
  - Employees: 41 (36.7% YoY growth)
- **Notable Investors/Partners**: Activant Capital (led Series C), Greycroft, Accomplice, i80 Group, Amex Ventures [linkedin.com, cbinsights.com]
- **Growth Signals**:
  - Headcount grew 36.7% in the last year
  - 23 active job postings (+91.7% quarterly growth)
  - Partnerships with major brands: Coinbase, Bilt, Alibaba, Qatar Airways
  - Launched international presence in Saudi Arabia

## Competitive Advantages
- **True embedded credit, not white-label**: APIs and customizable components allow full control over UX and brand experience, rather than a static co-brand card.
- **Real-time data feedback loop**: Combines program-level credit data with user behavior for dynamic underwriting, fraud detection, and reward optimization.
- **Full-stack operations**: Covers compliance, card production, customer support, and regulatory requirements (PCI DSS Level 1), reducing go-to-market complexity.
- **Trusted by high-profile partners**: Real-world deployments with Coinbase, Bilt, Alibaba, and Qatar Airways provide credibility and network effects.

## Strategic Focus
- **Deepen platform capabilities**: Continue building modular components and improving the data feedback loop to help partners optimize engagement.
- **Expand enterprise pipeline**: Onboard more large consumer brands seeking to launch or upgrade co-branded credit programs.
- **Scale international operations**: Already in Saudi Arabia; likely expansion into other regions, replicating the Qatarr Airways and Alibaba models.

## Why Work Here
- **Culture & Work Style**: Cardless believes the best work is done in person. Office in San Francisco with daily lunch provided (dinner for late workers) and $250/month transportation reimbursement for in-office employees. [cardless.com/careers]
- **Compensation & Perks**: Competitive salary, meaningful equity, 401(k) plan, top-of-the-line medical/vision/dental insurance. Unlimited PTO with a minimum of 15 days taken per year. [cardless.com/careers]
- **Engineering Focus**: "Ship credit like they ship product" – engineers build consumer-facing financial products using modern APIs and infrastructure. The team includes talent from Uber, Robinhood, Chime, Plaid, and Lyft. [linkedin.com]
- **Growth Trajectory**: Rapidly hiring (+91.7% quarterly job postings) with a young, scaling company that has raised nearly $200M – offering ownership and impact.

## Sources
1. [cardless.com](https://www.cardless.com/)
2. [cardless.com/platform](https://www.cardless.com/platform)
3. [cardless.com/careers](https://www.cardless.com/careers)
4. [linkedin.com/company/cardless](https://www.linkedin.com/company/cardless)
5. [cbinsights.com/company/cardless](https://www.cbinsights.com/company/cardless)

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