Monitoring and Testing Manager

divh2Compliance Monitoring And Testing Manager/h2pWere looking for a detail-oriented and independent compliance professional to build and execute monitoring and testing at Cardless. This role is responsible for assessing the effectiveness of our compliance controls across our credit card programs./ppCardless is a program manager that partners with FDIC- and OCC-regulated issuing banks to design and deliver co-branded credit cards. Our compliance team operates within this bank partnership model, which means your monitoring and testing work must account for obligations across multiple bank partners with different regulatory expectations. Understanding the program manager structure is key to succeeding in this role./ppAs a Monitoring Testing Manager, youll design and execute ongoing control testing, identify gaps, validate remediation, and provide clear reporting to leadership and bank partners. Youll work closely with Compliance, Risk, Operations, Fraud, and Customer Support to ensure our controls are not only well-designed but operating effectively in practice./ppThis is a high-ownership role for someone who enjoys digging into processes, challenging assumptions, and strengthening compliance infrastructure in a fast-moving fintech environment./ph3Responsibilities/h3ulliExecute and continuously improve a risk-based compliance monitoring and testing program covering BSA/AML, sanctions, complaints, marketing, and other regulatory requirements./liliAdapt testing scope and methodology to account for obligations across multiple FDIC- and OCC-regulated bank partners, each with their own regulatory expectations, examination cycles, and reporting requirements./liliPerform control testing to assess design and operating effectiveness, including transaction sampling, process walkthroughs, and data analysis./liliIdentify control gaps, root causes, and areas for improvement, and partner with stakeholders to develop practical remediation plans./liliTrack and validate corrective actions to ensure timely and sustainable resolution of findings./liliPrepare clear, concise reporting for senior leadership and partner banks summarizing testing scope, findings, and remediation status./liliCoordinate testing schedules and deliverables across bank partner examination timelines, ensuring each partner receives results and documentation aligned with their specific expectations./liliMaintain testing documentation and workpapers that are organized, defensible, and audit-ready./liliConduct periodic risk assessments to inform the annual monitoring and testing plan./liliCollaborate cross-functionally to ensure new products, features, and process changes are incorporated into the testing framework./liliStay current on evolving regulatory requirements and industry best practices, incorporating updates into the monitoring program./liliSupport first-line monitoring and testing efforts by coordinating with business units on control self-assessments and ongoing operational monitoring./liliSupport regulatory examination readiness and partner bank reviews by providing testing results, workpapers, and findings summaries as needed./li/ulh3Requirements/h3ulli5+ years of experience in compliance monitoring, testing, internal audit, or risk management within banking, fintech, or credit card programs./liliStrong understanding of BSA/AML, OFAC, UDAAP, and consumer compliance requirements./liliExperience designing and executing testing programs, including control sampling and documentation./liliAbility to translate regulatory requirements into practical control assessments./liliExcellent analytical and writing skills, with the ability to clearly articulate findings and their impact on risk./liliStrong attention to detail and organizational skills./liliProven ability to operate independently and manage multiple priorities in a fast-paced environment./liliComfort working cross-functionally and constructively challenging business partners when needed./liliCommitment to integrity, objectivity, and regulatory excellence./liliBonus points for CAMS, CRCM, CIA, or similar certification./liliExperience working with partner banks in a fintech program management environment./liliFamiliarity with data analytics tools and automated control testing approaches./liliInterest in leveraging technology to strengthen compliance oversight./li/ulh3Before You Apply/h3pA few things worth knowing:/pulliWe work in the office 5 days a week. We know thats a dealbreaker for some people, and thats okay./liliThis is an early-stage company. Were ~40 people servicing hundreds of thousands of customers. Youll be building processes that dont exist yet, not optimizing ones that do. If you want structure handed to you, this isnt the right fit./liliYoull need to be highly self-directed. There isnt a playbook for this role, and you wont get daily check-ins. Were looking for someone who sees whats broken or missing, takes ownership, and follows through without being asked./liliThe pace is intense and this role is hands-on. We have aggressive goals and a lot to build this isnt a 9-to-5 quiet, maintenance-mode compliance jobyoull be in the middle of everything./li/ulpIf this sounds like the kind of environment where you do your best work, wed love to hear from you./ph3Why This Role Is Cool/h3ulliBuild a compliance monitoring and testing program from the ground up. The framework exists, but youll turn it into a functioning, risk-based program with real test coverage./liliWork across multiple bank partner relationships with different regulatory frameworks, giving you broader exposure than a single-institution compliance role./liliHigh autonomy and direct ownership. Youll shape how this function operates, not inherit someone elses playbook./liliA clear path to grow with the function youre building. As the program matures and the team scales, this role is positioned to grow with it./li/ulh3Compensation/h3pThis role has an annual starting salary range of $130,000$150,000 + equity + benefits. Actual compensation is influenced by a wide array of factors including but not limited to skills, experience, and specific work location./ph3Benefits/h3pWere proud to offer our team excellent benefits:/pulliMeaningful start-up equity/lili100% health, vision dental primary coverage/lili75% health, vision dental dependent coverage/liliCatered meals/lili$250/month commuter benefit/liliParental leave/liliTeam building events happy hours/liliFlexible PTO with a minimum of 15 days off per year/liliApple equipment/lili401k plan/li/ulh3Location/h3pWere headquartered in San Francisco, CA, with a beautiful office near the Transamerica building. This role is in-office 5 days a week./p/div