The Job

We’re looking for a strategic, commercially minded compliance leader to drive the successful launch of innovative credit card programs at Cardless. This role blends deep regulatory expertise with business strategy — ensuring our products and marketing initiatives are compliant, customer-centric, and commercially impactful.

As the Senior Marketing Compliance Officer, you’ll own compliance strategy and execution across all stages of new card program launches — from reviewing application flows and marketing messaging to enabling seamless, compliant customer experiences. You’ll collaborate directly with Cardless leadership across risk, fraud, operations, customer experience, engineering, and product to bring programs to market that are both compliant and competitively differentiated.

You’ll also partner closely with brand partners — including airlines, crypto platforms, and small businesses — to help design compelling, compliant card programs that align with their unique brand voices and customer loyalty goals. Leveraging your regulatory expertise and strategic mindset, you’ll guide teams through complex challenges to deliver innovative, compliant outcomes that drive Cardless’s growth and our partners’ success.

This is a senior, high-visibility role offering broad ownership, autonomy, and the opportunity to shape how compliance enables innovation and business performance at Cardless.

Responsibilities

• Own and lead compliance strategy for new card program launches, ensuring end-to-end regulatory alignment from concept to customer experience.

• Review and approve marketing materials and application flows for compliance with applicable regulations and partner-bank requirements.

• Partner cross-functionally with marketing, product, operations, customer support and engineering to transform regulatory requirements into creative, customer-friendly solutions.

• Advise senior leadership and brand partners on compliant, effective marketing strategies that balance risk and commercial goals.

• Train and enhance AI-powered compliance tools to reflect unique product specifications, disclosures, and value propositions.

• Leverage regulatory expertise to interpret and operationalize requirements across Reg Z, Reg B, UDAP (FTC), UDAAP (CFPB), CAN-SPAM, TCPA, FCRA, and related frameworks.

• Drive strategic compliance enablement, turning regulatory insights into opportunities that support business innovation and sustainable growth.

• Maintain audit-ready documentation and oversight processes for marketing reviews and approvals.

• Refine and expand internal compliance frameworks to ensure consistency and clarity across Cardless and partner programs.

• Champion collaboration and innovation, helping teams bring new ideas to market responsibly and effectively.

Requirements

• 7+ years of experience in consumer, marketing, or product compliance within banking, fintech, or credit card programs.

• Expert understanding of Reg Z, Reg B, UDAP (FTC), UDAAP (CFPB), CAN-SPAM, TCPA, FCRA, and other key consumer protection and marketing regulations.

• Proven ability to apply regulatory knowledge strategically to enable creative, compliant growth.

• Experience advising senior stakeholders across risk, credit, product, design, marketing, and operations.

• Strong strategic and commercial mindset, balancing regulatory rigor with business priorities.

• Exceptional communication, influence, and problem-solving skills, with a focus on practical, solutions-oriented guidance.

• Demonstrated success leading cross-functional projects in fast-paced, high-growth environments.

• Passion for innovation, customer experience, and responsible marketing.

Bonus Points

• You’re a credit card enthusiast who genuinely understands what makes rewards-rich credit cards exciting for consumers.

• You stay up to date on industry trends, from loyalty program innovation to evolving consumer preferences.

• You bring a customer-first mindset — and can connect regulatory discipline with what drives engagement, trust, and delight in cardholders.
  

This role has an annual starting salary range of $180,000 - $225,000 + equity + 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 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

Location

We're headquartered in San Francisco, CA, with a beautiful office in the Mission District (near Dolores Park). We welcome employees who want to work from this office; we offer additional benefits to those who do (see below), and relocation assistance to those who'd like to.

We regularly bring our team together for offsites & trips, about every 2 months, both for fun and for work. We cover all travel & lodging in these cases.