Cardless

Monitoring and Testing Manager

San Francisco · Senior

Sponsorship not specified$130k-$150kDetected 148 days ago

Data AnalysisAuditingCustomer SupportLeadershipWritingInternal Audit

About the role

This role is responsible for assessing the effectiveness of our compliance controls across our credit card programs.
Understanding the program manager structure is key to succeeding in this role.
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.

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.
Prepare clear, concise reports for senior leadership and partner banks that summarize testing scope, findings, and remediation status.
Coordinate testing schedules and deliverables across bank partner examination timelines, ensuring each partner receives results and documentation aligned with their specific expectations.
Maintain testing documentation and workpapers that are organized, defensible, and audit-ready.
Collaborate cross-functionally to ensure new products, features, and process changes are incorporated into the testing framework.
Support first-line monitoring and testing efforts by coordinating with business units on control self-assessments and ongoing operational monitoring.
Support regulatory examination readiness and partner bank reviews by providing testing results, workpapers, and findings summaries as needed.

5+ years of experience in compliance monitoring, testing, internal audit, or risk management within banking, fintech, or credit card programs.
Strong understanding of consumer protection, UDAAP, BSA/AML, and OFAC compliance requirements.
Experience designing and executing testing programs, including control sampling and documentation.
Ability to translate regulatory requirements into practical control assessments.
Excellent analytical and writing skills, with the ability to clearly articulate findings and their impact on risk.
Familiarity with data analytics tools and automated control testing approaches.

This 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.
Conduct periodic risk assessments to inform the annual monitoring and testing plan.

This is an early-stage company. We're ~40 people servicing hundreds of thousands of customers. You'll be building processes that don't exist yet, not optimizing ones that do. If you want structure handed to you, this isn't the right fit.
You'll need to be highly self-directed. There isn't a playbook for this role, and you won't get daily check-ins. We're looking for someone who sees what's broken or missing, takes ownership, and follows through without being asked.

This listing is sourced directly from Cardless's careers page and normalized into a canonical job model.