Compliance Analyst

| San Francisco, CA, USA | Remote
Employer Provided Salary: 85,000-110,000 Annually
Salary data is provided by the employer. Please note this is not a guarantee of compensation.
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At Cardless, we’re building a credit card and loyalty platform that consumer businesses use to engage their customers. We’ve launched 9 credit cards, including for the largest mall operator in the U.S. and the largest airline in South America. We help businesses bring imaginative card programs to life, and have pioneered technology to embed credit card features natively into their products.


We value curiosity, humility, and intensity — we move fast and take ownership. This is a place where a motivated, resourceful individual can have an enormous impact on our trajectory. We're headquartered in San Francisco, and have raised about $60M in equity funding from top venture capital firms and angels.


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Out compliance team works to monitor, control, and mitigate risk Cardless faces in its management of the consumer credit card product. This includes not only anti-money laundering (AML), counter-terrorist financing (CTF) and sanctions compliance, but compliance with the fair lending laws and their implementing regulations.


The team also works closely with the compliance team at our issuing bank, ensuring that we provide the information and documentation the bank needs to satisfy their regulatory requirements and continue to support our program. The compliance function is responsible for developing Cardless' internal controls, as well as training staff as needed, conducting program and partner monitoring, and compliance operational work.

Responsibilities

  • Support the Compliance Director by assisting in day-to-day Compliance Program management 
  • Investigate KYC/AML screening results, including researching public records and drafting due diligence reports as needed
  • Conduct customer due diligence (CDD) investigations for new and existing credit card account holders, as well as for critical vendors, brand partners, and other entities as needed
  • Monitor and conduct ongoing CDD in a risk-sensitive manner keeping in mind Cardless' product and service offering
  • Assist in developing new-hire and employee training in areas such as AML/OFAC, Truth in Lending Act, Equal Credit Opportunity Act, and red flags.
  • Review ad-hoc escalations from strategic partners as well as internal teams and determine next steps

Requirements

  • 3-4 years of compliance operations experience, preferably both in traditional financial institutional and FinTech environments
  • Knowledge of legal and regulatory requirements that apply to financial institutions, as well as the research skills necessary to understand new or evolving regulation
  • Knowledge of AML laws and regulations, including a general and broad understanding of AML, financial and reputational risks (PEPs, Sanctions, Anti-Bribery & Corruption)
  • Familiarity with performing compliance operations functions, especially due diligence investigations and audit trail managementStrong critical thinking skills and an investigative instinct 
  • Familiarity with reporting thresholds and requirements 
  • Strong time management skills
  • Experience in payments compliance and/or AML investigations experience a plus
  • Effective oral, written and interpersonal communication skills
  • Ability to treat confidential information with professionalism and discretion

Benefits


We're headquartered in San Francisco, CA, with a beautiful office in the Mission District. We're proud to offer our team excellent benefits:


💸 Meaningful Start-up equity

🏥 100% health, vision & dental primary coverage

➕ 75% health, vision & dental dependent coverage

🍱 Catered lunches

🚎 $250/month Commuter benefit

👶 Parental leave

✈️ Team building events & happy hours

🌴 Flexible PTO with a minimum of 15 days off per year

🖥️ Apple equipment

💸 401k plan




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Cardless employees are required to be fully vaccinated and boosted against COVID-19, and to provide proof of vaccination prior to their first day. Cardless is an equal opportunity employer, and we value a diverse and inclusive workplace. We do not discriminate on the basis of race, national origin, ethnicity, gender, gender identity, sexual orientation, protected veteran status, disability, age, or any other applicable legally protected characteristics.



More Information on Cardless
Cardless operates in the Financial Services industry. The company is located in San Francisco, CA. Cardless was founded in 2019. It has 30 total employees. It offers perks and benefits such as Friends outside of work, Eat lunch together, OKR operational model, Team based strategic planning, Group brainstorming sessions and Open office floor plan. To see all 7 open jobs at Cardless, click here.
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