Compliance Analyst/Manager, Issue Management

About Cardless

Cardless is building the infrastructure for the world's best companies to design, build, and launch financial products of their own. Companies like Coinbase and Bilt use Cardless to create credit cards that feel entirely their own. In an industry where branded financial products usually mean shared logos and shared control, Cardless is built to disappear. Our APIs and components shape the journey from the first application to every purchase, reward, and moment of support that follows, while we handle lending, compliance, and operations behind the scenes.

In September 2025, we raised a $60 million Series C led by Spark Capital, bringing our total funding to $170 million. The team is over 70 people and scaling toward profitability by year-end 2026.

We're looking for kind, humble people with high standards and low egos. We take the work seriously without taking ourselves too seriously. We see what could be improved, make it so, and leave every product, system, and team better than we found it.

About the role

We're looking for a compliance professional to own issue management end to end: the log of compliance issues across our card programs, the corrective action plans that resolve them, the consumer remediation that makes affected customers whole, and the reporting that tells our bank partners where each item stands. This is the role that decides whether a problem is fixed: not on a ticket, but in the product, validated with evidence, and closed with a record that holds up when an examiner reads it later. Cardless is a program manager that partners with FDIC- and OCC-regulated issuing banks, so every issue you work has to satisfy us, a brand partner, and an issuing bank with its own regulator and reporting cadence.

This is a hands-on, individual-contributor role, and we are open on level. Depending on what you bring, this is an analyst seat or a manager seat, and the title and offer follow what you can do. You do not need a background in banking; the regulations are learnable and we will teach them. What we cannot teach is the instinct to look at a number that does not add up and refuse to move on, so that is what we screen for.

What you'll do

• Own the compliance issue log end to end: intake, classification, root cause, target dates, status, and closure, across every card program and bank partner, kept aligned with each bank's own register.

• Record each issue with the facts that matter: what happened, which requirement it touches, when it started, when any consumer impact ended, and how many customers are affected.

• Write corrective action plans that name the defect, the fix, the owner, the target date, and the evidence that will show it worked, and put an interim control in place when the permanent fix will take time.

• Work with Engineering, Product, and Operations to fix the underlying cause, and confirm the fix held before calling an issue closed.

• Scope affected populations by sub-issue, design the remediation, partner with Finance and Operations on execution, and verify afterward that every customer received what they were owed.

• Produce monthly issue reporting for each bank partner on schedule, respond to partner and examination requests on open items, and prepare reporting for the Compliance Committee and the Board.

• Improve the tooling and workflow behind issue management, including automation, and turn recurring patterns into preventive controls and monitoring.

• Provide coverage across other compliance functions as needed.

What we're looking for

• You think critically and show your work. Given incomplete information, you can work out what happened, say what you are confident about and what you are not, and defend where you drew the line. This is the requirement; everything else is secondary.

• You finish things. You have personally taken a problem from "something is off" through to fixed and verified, in whatever field you worked in.

• You are comfortable with data and you work with AI. You can read a number and judge whether it can be right, and you use AI tools in your work today and check their output. You do not need to be an engineer.

• You write clearly. Corrective action plans, issue narratives, and reporting that bank partners and regulators read. Plain, precise, and defensible beats polished.

• You are organized and self-directed. Dozens of open items with hard dates, no playbook, no daily check-in, and nothing gets lost.

• Any background is welcome. Financial services, operations, audit, consulting, analytics, engineering, law, the military, or something we have not thought of, as long as you want to learn Regulation Z, Regulation E, Regulation B, UDAAP, and FCRA properly.

Bonus Points

• You can write a query: SQL against a warehouse, enough to pull and check a population yourself. This is the single most useful extra thing you could bring.

• You build your own tooling: scripts, automations, agents, dashboards.

• Experience in consumer finance, cards, payments, disputes, or servicing operations, or owning compliance issues, remediation, audit, or testing.

• CRCM or another consumer compliance certification.

This role isn't a fit if

• We work in the office 5 days a week in San Francisco. If you need a hybrid or remote schedule, this is not the seat.

• There is no playbook for this role and no daily check-in. If you do your best work with structure handed to you, this is not the seat.

• This is a hands-on build, not a maintenance job. If you are looking for a quiet compliance role with settled processes, this is not the seat.

• Behind every issue is a customer. If "fixed, deployed" is where your curiosity stops, this is not the seat.

Why this role

• You get the whole loop. Most issue management roles stop at the tracker. This one runs through root cause, corrective action, remediation, and validation, so you fix things rather than report on them.

• Issue management is a priority for our leadership and our bank partners, and your work goes to our bank partners, the Compliance Committee, and the Board.

• We are AI-forward. If you want to automate the repetitive parts of this job, we will give you the tools to do it.

What success looks like at six months. You run a mature program: consistent intake and classification, corrective action plans with clear evidence standards, remediation scoped by sub-issue and verified after payment, and monthly reporting our bank partners recognize as an improvement. The issues you closed stayed closed, and recurring patterns have monitoring in front of them.

Compensation

This role has an annual starting salary range of $120,000 to $160,000 plus equity and benefits (see below). Because we are open on level, where an offer lands in that range depends on whether the role is scoped at analyst or manager level for you. Actual compensation is influenced by a wide array of factors including but not limited to skills, experience, and specific work location.

Perks & Benefits

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

Other

We're headquartered in San Francisco, CA, with a beautiful office in Jackson Square, near the Transamerica building, between the Montgomery and Embarcadero BART stations. This role is in-office 5 days a week.

Example Projects

• First month: align our issue log line by line with each bank partner's own register and produce the monthly report that both sides sign off on.

• First quarter: scope a consumer remediation with overlapping sub-issues, determine what each segment is owed, and verify afterward that every account received the right amount.

• Month six: pick a recurring pattern, design the monitoring control that catches the next instance early, and hand it to the team that will run it.