Overview As Manager of Card Compliance Operations, you will oversee daily compliance and legal support for our card program, ensuring adherence to federal and state consumer protection laws. You will partner with Legal, Risk, Operations, Product, Customer Service, and bank partners to keep regulatory requests accurate and our program compliant. You'll address customer issues, manage legal process responses, and act as Records Custodian for regulatory matters, driving timely resolution and governance. This role offers impact at scale in a mission-driven fintech that values growth, collaboration, and responsible lending. You will shape the compliance program, identify improvements, and support audits,.
Compensation / Benefits- generous paid time off
- medical, dental & vision coverage
- 401K with company match
- company-paid life insurance
- company-paid disability insurance
- mental health and wellness resources
Responsibilities- Oversee debt validation and cease-and-desist reviews to ensure legal compliance
- Respond to customer complaints and support VOC trend analysis with corrective actions
- Coordinate responses to subpoenas, record requests, attorney inquiries, and other legal processes
- Review and fulfill law enforcement requests including warrants
- Act as Records Custodian for regulatory, legal, and litigation matters
- Track, review, and close compliance issues with cross-functional partners
- Coordinate monthly reporting for bank partners (service reviews, dashboards) and governance materials
- Manage monthly testing and information requests from bank partners
- Review and approve Knowledge Base content for regulatory accuracy
- Coordinate internal audits, regulatory examinations, and external audits
- Provide day-to-day compliance guidance to business partners
- Partner with Legal, Risk, Operations, Product, Customer Service, and bank partners to ensure compliance
- Identify opportunities to improve processes and strengthen CMS controls
Key requirements- Bachelor's degree in any field
- 5-8 years in compliance, legal operations, risk management, or audit within financial services
- Experience supporting U.S. consumer credit card products (private label or Visa/Mastercard)
- Strong knowledge of consumer financial laws and regulations (TILA/Reg Z, FCBA, FDCPA, FCRA, EFTA, UDAAP, state laws)
- Experience handling subpoenas, attorney correspondence, search warrants, and document production
- Familiarity with bank partner oversight and fintech regulatory expectations
- Strong analytical, organizational, and problem-solving skills with meticulous attention to detail
- Excellent written and verbal communication and ability to influence across levels
- Proven ability to build cross-functional relationships and exercise sound regulatory judgment
- Analytical thinking
- Strong communication
- Organizational skills
- CMS principles and regulatory frameworks
- Regulatory knowledge across multiple consumer finance laws
- Experience managing regulatory examinations and audits
