Card Processor Operations

Card Processor Operations

At Cardless, were building a credit card and loyalty platform that consumer businesses use to engage their customers. Weve launched over a dozen credit card programs, including for Coinbase, Bilt, and Qatar Airways. 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 outsized ownership. This is a place where a motivated, resourceful individual can have an enormous impact on our trajectory. Were headquartered in San Francisco, and have raised about $150M in equity funding from top venture capital firms including Spark Capital, American Express, Activant Capital, and more.

## The Job

Were looking for a card operations professional to own our processor relationship and day-to-day platform configuration at Cardless. If youve worked with issuing processors like CoreCard, Fiserv, FIS, TSYS, or i2c - and you know what it means to manage BIN configurations, billing tables, and program parameters across live card programs - this role is for you.

Youll report directly to the COO and work closely with Product, Engineering, and Compliance. Where our processor connects to our BIN sponsor and card networks, youll own that coordination - making sure configurations are right, changes get implemented cleanly, and nothing falls through the cracks between systems.

Youll also be the person everyone comes to. When Product is scoping a new feature, when Engineering hits a processor question, when Compliance needs to understand how a parameter is set - youre the person with the answer. You need to be comfortable owning that role and communicating clearly across teams that dont live in the platform the way you do.

## Example Projects

• Configuring a new card program: Were launching a new co-branded card program. You own the processor setup end-to-end - BIN configuration, program parameters, APR tables, billing cycles, statement generation settings - and coordinate with our BIN sponsor and networks where their requirements intersect with processor config.
• Managing a rate or fee change: A partner program needs an APR or fee structure update. You know exactly which billing tables to touch, what downstream effects to check, and how to QA the change before it affects cardholders.
• Owning the processor relationship: Our processor partner releases a new feature or flags a platform change. Youre the internal owner of that relationship - triaging what affects us, communicating timelines to internal teams, and making sure were using the platform to its full capability.
• Debugging a configuration issue: A cardholder is seeing incorrect statement dates or a fee isnt calculating right. You know the platform well enough to trace it back to a config parameter, identify the fix, and work with Engineering to implement it - without needing someone to translate the processor layer for you.
• Onboarding a new BIN: Were adding a new BIN range for a partner program. You own the end-to-end setup with our processor and coordinate the network certification, BIN sponsor requirements, and internal testing to make sure transactions route correctly before a single card is issued.

## Before You Apply

A few things worth knowing:

You need to know credit processing cold. Billing tables, BIN setup, program configurations, how changes ripple through the system. If youve managed a processor relationship from a distance but havent been deep in the platform yourself, this probably isnt the right fit.

Youre the internal expert - and everyone will treat you like it. Product, Engineering, Compliance, and leadership will come to you with processor questions. You need to be comfortable being the most knowledgeable person in the room on this topic and communicating clearly to people who dont share your background.

We work in the office 5 days a week. We know thats a dealbreaker for some people, and thats okay.

We run multiple card programs simultaneously. Each has its own configuration, partner requirements, and compliance considerations. Youll need to context-switch cleanly and keep the details straight across all of them.

If that sounds like the kind of work youre built for, keep reading.

## Why This Role Is Cool

Processor config isnt back-office here - its central. Every product feature, every partner launch, every cardholder experience runs through the processor layer you own. Most issuers bury this function. At Cardless youll be in the room when decisions get made.

Youll work across all three major networks. Visa, Mastercard, and Amex each have their own requirements where they touch processor configuration. Youll develop fluency across all three in ways most roles at single-network issuers never offer.

The complexity is real. Youll manage processor configurations across multiple partners, each with different program parameters, network requirements, and compliance constraints. If youre the kind of person who thrives on keeping that many details straight simultaneously, you wont be bored.

Youll be on the frontier of how fintechs use AI and automation in card ops. Configuration management, change tracking, QA - theres real opportunity to build smarter workflows here, and youll help shape how we do it.

Direct line to leadership. Youll report to the COO with real visibility into how the business is built and where its going.

## Responsibilities

• Own the processor relationship end-to-end - day-to-day platform management, change requests, escalations, roadmap awareness, and quarterly business reviews.
• Manage program setup and ongoing configuration across card programs: BINs, billing tables, APRs, fees, statement generation, transaction parameters.
• Coordinate with our BIN sponsor and card networks on configuration requirements where their systems intersect with the processor.
• Partner with Product and Engineering to scope and implement processor-side requirements for new features and program launches.
• QA configuration changes before they reach cardholders - catching errors before they become customer or compliance issues.
• Maintain internal documentation on program configurations and processor setup across all active card programs.
• Monitor processor performance and flag issues to relevant internal teams with enough context to act.
• Be the internal go-to for processor questions across Product, Engineering, Compliance, and leadership.

## Requirements

• 4+ years of experience in card operations, issuer processing, or a closely related function at a fintech, bank, or card issuer.
• Deep platform knowledge of a major card issuing processor - experience with CoreCard, Fiserv, FIS, TSYS, i2c, or similar is applicable. You dont need to be an engineer, but you need to know how the system works inside and out.
• Working knowledge of program setup, BIN configuration, billing tables, APR and fee structures, and statement generation.
• Comfortable coordinating across BIN sponsors and card networks on processor-adjacent requirements.
• Detail-oriented and thorough - configuration errors have real consequences and you treat them that way.
• Clear communicator - you can translate processor complexity for Product and Engineering teammates who dont live in the platform.
• San Francisco-based and in-office 5 days a week.

## Compensation

This role has an annual starting salary range of $160,000-$200,000 + equity + benefits. Actual compensation is influenced by a wide array of factors including but not limited to skills, experience, and specific work location.

## Benefits

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

• Meaningful startup 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

## Location

Were headquartered in San Francisco, CA, with a beautiful office in the Mission District (near Dolores Park). This role is in-office 5 days a week.