At Cardless, we’re building a credit card and loyalty platform that consumer businesses use to engage their customers. We’ve launched 9 credit cards, including for the largest mall operator in the U.S. and the largest airline in South America. We help businesses bring imaginative card programs to life, and have pioneered technology to embed credit card features natively into their products.

We value curiosity, humility, and intensity — we move fast and take ownership. This is a place where a motivated, resourceful individual can have an enormous impact on our trajectory. We're headquartered in San Francisco, and have raised about $60M in equity funding from top venture capital firms and angels.

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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. 

Responsibilities

• 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.

• 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.

Benefits

We're headquartered in San Francisco, CA, with a beautiful office in the Mission District. 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

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Cardless employees are required to be fully vaccinated and boosted against COVID-19, and to provide proof of vaccination prior to their first day. Cardless is an equal opportunity employer, and we value a diverse and inclusive workplace. We do not discriminate on the basis of race, national origin, ethnicity, gender, gender identity, sexual orientation, protected veteran status, disability, age, or any other applicable legally protected characteristics.