Cardless · 2 months ago
Senior Marketing Compliance Officer
San Francisco
Full-time
Onsite
Senior Level
$180K/yr - $225K/yr
7+ years expCardless is seeking a strategic, commercially minded compliance leader to drive the successful launch of innovative credit card programs. This role involves owning compliance strategy and execution across all stages of new card program launches, collaborating with various teams to ensure regulatory alignment and customer-centric solutions.
Credit CardsFinanceFinTech
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
Qualification
Required
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
Preferred
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
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
Company
Cardless
Cardless operates the leading platform for consumer brands to launch credit card products.
11-50 employees
Funding
Current Stage
Growth StageTotal Funding
$225MKey Investors
Spark CapitalActivant Capitali80 Group
2025-09-22Series C· $60M
2024-11-26Series C· $30M
2023-05-16Debt Financing· $75M
Leadership Team
Scott Kazmierowicz
Co-Founder & CEO
Michael Spelfogel
Co-Founder & President
Recent News
Financial Sector Technology
2025-10-24
The Real Deal
2025-10-15
2025-10-02
Company data provided by crunchbase