Product Compliance Manager

About the role

The Job We're looking for a detail-oriented, business-minded compliance professional to own product compliance across Cardless's card programs, credit and debit. This role sits at the intersection of compliance, product, and the business, advising on new card programs and features, product terms, pricing and fee disclosures, and application and servicing flows so they meet regulatory and partner bank requirements across the product lifecycle.

Responsibilities

• Advise product, business, and operations teams on the compliance of new card programs, features, terms, pricing and fees across credit and debit, from concept through launch and into servicing.
• Review product terms, pricing and fee structures, disclosure packages, and application and servicing flows for alignment with applicable regulations and partner bank requirements.
• Interpret and apply Regulation Z, Regulation E, Regulation DD, Regulation B, UDAAP, FCRA, and related consumer protection laws to product decisions, including novel features where the rule is not directly on point.
• Identify regulatory issues early in the product lifecycle and recommend defensible, workable solutions rather than simply blocking.
• Support new card program and feature launches by ensuring required disclosures, terms, and regulatory elements are correctly built into the product.
• Build and maintain product-compliance review checklists, advisory intake, sign-off workflows, and audit-ready records.
• Partner with issuing bank partners on product and disclosure review and sign-off, and respond to compliance-related inquiries as needed.
• Escalate higher-risk or novel issues to senior compliance leadership with clear analysis and a recommendation.
• Contribute to regulatory change management for the product portfolio and to training and awareness across the organization.

Requirements

• Typically 4 to 7 years of experience in compliance, legal, or regulatory advisory within banking, fintech, or consumer financial services, with hands-on product or regulatory compliance work.
• Hands-on experience reviewing and advising on consumer financial product features, terms, pricing and fee disclosures, or application and servicing flows for regulatory compliance.
• Working knowledge of consumer protection regulations across credit and debit card products (Regulation Z, Regulation E, Regulation DD, Regulation B, UDAAP, FCRA).
• Ability to interpret regulation and translate it into practical, customer-friendly product guidance, with the judgment to reason through novel features where the rule is not directly on point.
• Clear written and verbal communication skills, with the ability to give business teams a defensible recommendation, not just a flag.
• Ability to manage multiple product workstreams and deadlines in a fast-paced environment.
• A collaborative, advisory mindset and comfort partnering cross-functionally with product, business, design, and operations teams.
• Ability to use AI tools to work more efficiently and expand coverage.
• Prioritize and follow through on tasks without being asked.

Bonus Points

• Hands-on experience across both credit and debit card products.
• CRCM or another consumer-compliance certification.
• Exposure to fintech or partner-bank program structures.
• Experience standing up or maturing a product-compliance function.
• Interest in consumer finance, loyalty programs, and card products.
• Curiosity about how compliance can enable responsible, innovative growth.