Product Compliance Manager, Cards & Rewards

Compliance at Brex
The Compliance team helps the company grow responsibly, advocating for Brex and for the tens of thousands of growing businesses we serve. We own the compliance policies for Brex, provide strategic advice and guidance to all Brex teams, protect Brex from financial crime and other compliance risks, and represent the company externally on key regulatory and policy issues. Reimagining the financial system in a highly regulated environment requires creativity and resourcefulness, and we welcome the challenge.

What you’ll do
As a Compliance Manager at Brex, you will play a critical role in ensuring compliance with regulatory requirements and internal policies regarding our products and services. The Product Compliance Manager, Cards & Rewards role will be responsible for ensuring the company's card products and operations comply with all applicable federal, state, and local regulations. This role will focus on maintaining a robust compliance program, monitoring regulatory changes, and providing guidance to internal stakeholders. The ideal candidate will possess a deep understanding of financial regulations, strong analytical skills, and a commitment to maintaining the highest ethical standards. The role will report directly to the Compliance Manager, Payments & Card Compliance.

Where you’ll work

This role will be based in our San Francisco office. You must be willing to work in the office at least 2 days per week on Wednesday and Thursday. Employees will be able to work remotely for up to 4 weeks per year.

Responsibilities 

• Advise on regulatory requirements for new and existing products and services, partnering with Product, Engineering, Operations, Legal, and other teams.
• Stay abreast of all relevant regulatory changes impacting corporate charge card products, including but not limited to the Truth in Lending Act (TILA), Regulation B/ ECOA, 1071, escheatment, and other applicable laws and regulations.
• Analyze and interpret new regulations, assessing their impact on the company's charge card operations.
• Identify and investigate potential compliance violations, including working with business owners to develop and implement corrective action plans, where appropriate.
• Support audits, bank partner requests, and regulatory testing related to cards and rewards. 
• Develop and maintain all policies and procedures related to charge card regulatory compliance as well as card networks and bank partner requirements.
• Review complaints related to cards and rewards and advise on resolution, including corrective action, where appropriate

Qualifications:

• 5+ years of experience in regulatory compliance, preferably in the financial services industry and fintech, with a focus on card issuing.
• Strong understanding of federal and state regulations related to financial products, including TILA, ECOA, 1071, commercial finance disclosure laws, and other applicable laws and regulations.
• Exceptional judgment and integrity, ability to handle complex matters independently, and product-minded approach to compliance
• Excellent analytical, problem-solving, and communication skills.
• Ability to interpret and apply complex regulations.
• Detail-oriented, accurate, organized, and able to set priorities
• Ability to multi-task and adapt to shifting priorities in a fast-paced environment
• Strong attention to detail and accuracy.
• Experience with card processing systems and platforms.

Preferred Qualifications:

• Relevant certifications (e.g., Certified Regulatory Compliance Manager (CRCM).