Manager, Card Compliance Operations

This is a fully remote position, open to applicants in Illinois, +1 more state.

📋 Description

• Oversee and manage the validation of debts and cease-and-desist reviews to ensure compliance with federal and state consumer protection laws.

• Analyze and address customer complaints and submissions from the Voice of Customer team, detecting trends and implementing corrective measures.

• Coordinate responses to subpoenas, record collection demands, attorney inquiries, document requests, and other legal processes.

• Review, manage, and fulfill requests from law enforcement, including search warrants and other legal obligations.

• Act as the Records Custodian for matters related to regulation, legal issues, and litigation.

• Monitor, evaluate, and facilitate the resolution of compliance issues with various stakeholders across the organization.

• Organize ongoing reporting for banking partners, encompassing monthly service reviews, dashboards, issue reporting, and governance documentation.

• Manage and coordinate monthly testing and information requests from banking partners.

• Review and validate Knowledge Base content for regulatory accuracy and operational consistency.

• Coordinate internal audits, regulatory examinations, and external audit requests, ensuring tracking of deliverables until completion.

• Provide daily compliance consultation and guidance regarding operational and regulatory matters.

• Collaborate with Legal, Risk, Operations, Product, Customer Service, and banking partners to fulfill compliance obligations.

• Identify opportunities for process enhancements, control strengthening, and improvements to the Compliance Management System.

⛳️ Requirements

• A Bachelor’s degree is required.

• A minimum of 5–8 years of experience in compliance, legal operations, risk management, or audit within the financial services sector.

• Extensive experience supporting U.S. consumer credit card products, including private label and/or Visa/Mastercard programs.

• Strong understanding of relevant consumer financial laws and regulations, such as TILA / Regulation Z, FCBA, FDCPA, FCRA, EFTA where applicable, UDAAP principles, and pertinent state consumer protection laws.

• Experience in managing legal requests, including subpoenas, attorney communications, search warrants, and document production.

• Familiarity with oversight of bank partners and regulatory expectations in a fintech setting.

• Exceptional analytical, organizational, and problem-solving abilities with a keen eye for detail.

• Capability to handle multiple competing priorities in a dynamic, highly regulated environment.

• Excellent written and verbal communication skills, with the ability to influence stakeholders at all organizational levels.

• Demonstrated ability to establish strong cross-functional relationships and exercise sound judgment in interpreting regulatory requirements.

• CRCM designation is highly preferred.

• Experience working in a fintech or sponsor-bank environment.

• Experience in supporting regulatory examinations, internal audits, and managing compliance issues.

• Knowledge of Compliance Management System (CMS) principles and regulatory expectations.

🏝️ Benefits

• Generous paid time off.

• Competitive medical, dental, and vision coverage.

• 401K plan with company matching for U.S. employees.

• Company-funded life insurance.

• Company-covered short-term and long-term disability benefits.

• Access to mental health and wellness resources.

• Company-provided volunteer time to contribute positively to your community.

• Legal coverage and additional supplemental options.

• A culture based on values where opportunities for growth are limitless.