Cardless
Senior Marketing Compliance Officer
Cardless, San Francisco, California, United States, 94199
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.
#J-18808-Ljbffr
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.
#J-18808-Ljbffr