Consumer Compliance Manager, Card Products

Responsibilities

• Advise product, business, and operations teams on the compliance of new card programs, features, terms, pricing, and fees
• Review product terms, pricing, fee structures, disclosure packages, and application/servicing flows
• Interpret and apply Regulation Z, Regulation E, Regulation DD, Regulation B, UDAAP, FCRA, and related consumer protection laws
• Identify regulatory issues early in the product lifecycle and recommend workable solutions
• Build and maintain product-compliance review checklists, advisory intake, and sign-off workflows
• Partner with issuing bank partners on product and disclosure review and sign-off
• Escalate higher-risk or novel issues to senior compliance leadership
• Contribute to regulatory change management and organizational training

Requirements

• 3 to 6 years of experience in compliance, legal, or regulatory advisory within banking, fintech, or consumer financial services
• Hands-on experience reviewing consumer financial product features, terms, and disclosures
• Working knowledge of Regulation Z, Regulation E, Regulation DD, Regulation B, UDAAP, and FCRA
• Ability to translate regulations into practical, customer-friendly product guidance
• Strong written and verbal communication skills for providing defensible recommendations
• Ability to manage multiple workstreams in a fast-paced environment
• Collaborative, advisory mindset and comfort with cross-functional partnership
• Proficiency using AI tools for efficiency
• Ability to operate independently without a defined playbook

Preferred Qualifications

• Experience across both credit and debit card products
• CRCM or other consumer-compliance certification
• Exposure to fintech or partner-bank program structures
• Experience maturing a product-compliance function

About the Company

Cardless is a program manager that partners with FDIC- and OCC-regulated issuing banks to design and deliver co-branded credit and debit card programs.