Consumer Compliance Manager, Complaints

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 consumer complaints end to end and to turn complaint trends into fixes that address root causes, not just one-off resolutions. We see complaints as direct feedback from our most valued asset, our customers, and we treat that signal with the weight it deserves. You'll partner closely with our Customer Experience team on investigation and response, own trending and reporting to our bank partners, and take on the part most complaint roles never get to: tracing patterns back to root cause and driving the remediation that closes the loop. Cardless is a program manager that partners with FDIC- and OCC-regulated issuing banks, so your work has to meet the expectations of multiple bank partners, each with its own regulator, categorization standards, and reporting cadence. This is a hands-on, individual-contributor role. You will personally work critical complaints, review responses, and work with Customer Experience and Engineering to fix underlying defects. We have a working complaint program and are investing in better tooling; you will own the program, lead the tooling implementation, and take it to its next stage. What you'll do Own intake, triage, categorization, investigation, and resolution for consumer complaints across our card programs, including agency complaints from the CFPB, FDIC, Better Business Bureau, state attorneys general, and counsel. Draft investigation summaries and consumer responses that are accurate, plain-spoken, and defensible if a regulator reads them later, and manage target dates so nothing is late. Produce the monthly complaint reporting package for each bank partner, adapted to that partner's categorization and reporting expectations, and quarterly complaint findings for the Compliance Committee and the Board. Analyze complaint volume, categories, and drivers to find patterns, and distinguish a one-time servicing error from a product defect, a disclosure gap, a broken workflow, or a control failure. Convert confirmed root causes into logged issues with corrective action plans, owners, and target dates, then drive remediation to closure with Engineering, Product, and Operations and confirm the theme stops recurring. Work side by side with Customer Experience to improve how complaints are identified, tagged, and documented at first contact, and write the procedures, response templates, and agent guidance that let the front line handle routine matters correctly. Improve complaint tooling, intake workflows, and reporting, including automation, and keep records examination ready. Provide coverage across other compliance functions as needed. What we're looking for Typically 4 to 7 years in consumer compliance, complaint management, disputes, or a closely related function within banking, fintech, credit cards, lending, or payments, with hands-on experience investigating and resolving consumer and agency complaints. Working knowledge of the reg