# Monitoring and Testing Manager

**Company:** [Cardless](https://hotfix.jobs/companies/cardless)
**Location:** San Francisco, CA
**Role:** Other
**Salary:** $130k – $150k/yr
**Experience:** 5+ years
**Skills:** Bsa/Aml, Ofac, Udaap, Data Analytics, Control Testing, Transaction Sampling, Process Walkthroughs, Risk Assessment, Regulatory Compliance, Control Sampling
**Posted:** 2026-02-25

> Designs and executes risk-based compliance monitoring and testing programs for credit card operations across multiple bank partners. Identifies control gaps, validates remediations, and reports findings to leadership, requiring 5+ years in compliance or audit within banking/fintech.

## Job Description

## 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.
- Prepare clear, concise reporting for senior leadership and partner banks summarizing 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.
- Conduct periodic risk assessments to inform the annual monitoring and testing plan.
- Collaborate cross-functionally to ensure new products, features, and process changes are incorporated into the testing framework.
- Stay current on evolving regulatory requirements and industry best practices, incorporating updates into the monitoring program.
- 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.

## Requirements
- 5+ years of experience in compliance monitoring, testing, internal audit, or risk management within banking, fintech, or credit card programs.
- Strong understanding of **BSA/AML**, **OFAC**, **UDAAP**, and consumer 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.
- Strong attention to detail and organizational skills.
- Proven ability to operate independently and manage multiple priorities in a fast-paced environment.
- Comfort working cross-functionally and constructively challenging business partners when needed.
- Commitment to integrity, objectivity, and regulatory excellence.

## Bonus Points (Nice-to-Haves)
- **CAMS**, **CRCM**, **CIA**, or similar certification.
- Experience working with partner banks in a fintech program management environment.
- Familiarity with data analytics tools and automated control testing approaches.
- Interest in leveraging technology to strengthen compliance oversight.

## Compensation
- Annual starting salary range of **$130,000–$150,000** + equity + benefits.

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