MonitoringandTestingManager

THE JOB We’re 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. Cardless 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 a bank partnership model, which means your monitoring and testing must account for obligations across multiple bank partners with varying regulatory expectations. Understanding the program manager structure is key to succeeding in this role. As a Monitoring & Testing Manager, you’ll design and execute ongoing control testing, identify gaps, validate remediation, and provide clear reporting to leadership and bank partners. You’ll work closely with Compliance, Risk, Operations, Fraud, and Customer Support to ensure our controls are not only well-designed but operating effectively in practice. This is a high-ownership role for someone who enjoys digging into processes, challenging assumptions, and strengthening compliance infrastructure in a fast-moving fintech environment. RESPONSIBILITIES - Execute and continuously improve a risk-based compliance monitoring and testing program covering BSA/AML, sanctions, complaints, marketing, and other regulatory requirements. - Adapt 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. - Perform control testing to assess design and operating effectiveness, including transaction sampling, process walkthroughs, and data analysis. - Identify control gaps, root causes, and areas for improvement, and partner with stakeholders to develop practical remediation plans. - Track and validate corrective actions to ensure timely and sustainable resolution of findings. - Prep