Head of Consumer Compliance

<div class="content-intro"><p data-pm-slice="1 1 []"><strong>Kikoff: The Fintech Powering Financial Security at Scale</strong><br>Kikoff is a profitable, pre-IPO fintech company on a mission to empower everyone to achieve financial security. With record revenue growth in 2025 and a unicorn valuation, we've built a suite of products that help millions of people build credit, access liquidity, and save money.<br>We're scaling fast. Join us if you want to build something meaningful and help millions of people move forward financially.</p> <p>&nbsp;</p> <p><strong>Why Kikoff:</strong></p> <p>This is a consumer fintech startup, and you will be working with serial entrepreneurs who have built strong consumer brands and innovative products. We value extreme ownership, clear communication, a strong sense of craftsmanship, and the desire to create lasting work and work relationships. Yes, you can build an exciting business AND have real-life real-customer impact.</p></div><h3 class="text-text-100 mt-3 -mb-1 text-[1.125rem] font-bold">The Role</h3> <p class="font-claude-response-body break-words whitespace-normal leading-[1.7]">Kikoff is seeking a Head of Consumer Compliance to lead and own our consumer protection compliance program. This is a senior leadership role responsible for ensuring that Kikoff's products, practices, and customer-facing operations meet all applicable federal and state consumer financial laws and regulations. A key component of this role is owning the day-to-day compliance relationship with our bank partners, serving as the primary liaison for compliance-related matters, program reviews, and examinations.</p> <p class="font-claude-response-body break-words whitespace-normal leading-[1.7]">The ideal candidate is a seasoned compliance professional with deep consumer finance expertise, strong regulatory instincts, and the ability to operate effectively across product, legal, operations, and banking partner teams. You'll be expected to work across products including lines of credit, deposit products, and more.</p> <hr class="border-border-200 border-t-0.5 my-3 mx-1.5"> <h3 class="text-text-100 mt-3 -mb-1 text-[1.125rem] font-bold">What You'll Do</h3> <ul class="[li_&amp;]:mb-0 [li_&amp;]:mt-1 [li_&amp;]:gap-1 [&amp;:not(:last-child)_ul]:pb-1 [&amp;:not(:last-child)_ol]:pb-1 list-disc flex flex-col gap-1 pl-8 mb-3"> <li class="font-claude-response-body whitespace-normal break-words pl-2">Own and continuously enhance Kikoff's consumer compliance management system (CMS), including policies, procedures, monitoring, testing, and training.</li> <li class="font-claude-response-body whitespace-normal break-words pl-2">Serve as the primary compliance point of contact for Kikoff's bank partners, managing ongoing compliance reporting, program reviews, audit requests, and escalations.</li> <li class="font-claude-response-body whitespace-normal break-words pl-2">Ensure compliance with federal consumer financial laws including TILA, ECOA, FCRA, EFTA, UDAP/UDAAP, SCRA, MLA, and applicable state EWA and consumer protection statutes.</li> <li class="font-claude-response-body whitespace-normal break-words pl-2">Partner closely with product and engineering teams to review new products, features, and marketing materials for consumer compliance risk prior to launch.</li> <li class="font-claude-response-body whitespace-normal break-words pl-2">Lead and manage the complaints management program, ensuring timely resolution, root cause analysis, and escalation of trends to senior leadership and bank partners.</li> <li class="font-claude-response-body whitespace-normal break-words pl-2">Oversee consumer-facing disclosures, terms of service, and adverse action notices to ensure accuracy and regulatory compliance.</li> <li class="font-claude-response-body whitespace-normal break-words pl-2">Design and execute the compliance monitoring and testing program, identifying gaps and working cross-functionally to remediate issues.</li> <li class="font-claude-response-body whitespace-normal break-words pl-2">Prepare and present compliance program updates, risk assessments, and key metrics to senior leadership, the board, and bank partners.</li> <li class="font-claude-response-body whitespace-normal break-words pl-2">Manage and respond to regulatory inquiries, examinations, and audits from bank partners, the CFPB, and state regulators.</li> <li class="font-claude-response-body whitespace-normal break-words pl-2">Build and develop a team of consumer compliance professionals, setting clear expectations and fostering a culture of accountability and continuous improvement.</li> <li class="font-claude-response-body whitespace-normal break-words pl-2">Monitor regulatory developments — particularly from the CFPB, state regulators, and the courts — and proactively translate them into actionable guidance for the business.</li> </ul> <hr class="border-border-200 border-t-0.5 my-3 mx-1.5"> <h3 class="text-text-100 mt-3 -mb-1 text-[1.125rem] font-bold">What We're Looking For</h3> <ul class="[li_&amp;]:mb-0 [li_&amp;]:mt-1 [li_&amp;]:gap-1 [&amp;:not(:last-child)_ul]:pb-1 [&amp;:not(:last-child)_ol]:pb-1 list-disc flex flex-col gap-1 pl-8 mb-3"> <li class="font-claude-response-body whitespace-normal break-words pl-2">8+ years of consumer compliance experience in financial services, with at least 3 years in a leadership role at a bank, FinTech, or financial services company.</li> <li class="font-claude-response-body whitespace-normal break-words pl-2">Experience at a technology-driven company in high-growth mode.</li> <li class="font-claude-response-body whitespace-normal break-words pl-2">Deep knowledge of federal consumer financial laws and regulations, including TILA, ECOA, FCRA, EFTA, UDAP/UDAAP, and applicable state consumer protection laws.</li> <li class="font-claude-response-body whitespace-normal break-words pl-2">Proven experience managing bank partner compliance relationships, including audit responses, program reviews, and ongoing reporting obligations.</li> <li class="font-claude-response-body whitespace-normal break-words pl-2">Strong understanding of CMS frameworks and best practices, including risk assessment, monitoring, testing, and training.</li> <li class="font-claude-response-body whitespace-normal break-words pl-2">Experience working within or alongside bank partnership (BaaS) models and a clear understanding of shared compliance responsibilities between FinTechs and their sponsor banks.</li> <li class="font-claude-response-body whitespace-normal break-words pl-2">Track record of partnering effectively with product and engineering teams to embed compliance requirements early in the development process.</li> <li class="font-claude-response-body whitespace-normal break-words pl-2">Experience managing regulatory examinations and responding to inquiries from the CFPB, state regulators, or bank oversight teams.</li> <li class="font-claude-response-body whitespace-normal break-words pl-2">Excellent written and verbal communication skills, with the ability to distill complex regulatory requirements into clear guidance for non-compliance audiences.</li> <li class="font-claude-response-body whitespace-normal break-words pl-2">CRCM or equivalent certification strongly preferred.</li> <li class="font-claude-response-body whitespace-normal break-words pl-2">Genuine commitment to Kikoff's mission of expanding financial access and opportunity for underserved consumers.</li> </ul> <p class="font-claude-response-body break-words whitespace-normal leading-[1.7]"><strong>Nice to Have</strong></p> <ul class="[li_&amp;]:mb-0 [li_&amp;]:mt-1 [li_&amp;]:gap-1 [&amp;:not(:last-child)_ul]:pb-1 [&amp;:not(:last-child)_ol]:pb-1 list-disc flex flex-col gap-1 pl-8 mb-3"> <li class="font-claude-response-body whitespace-normal break-words pl-2">Experience at a financial regulator.</li> <li class="font-claude-response-body whitespace-normal break-words pl-2">Experience with consumer lending, credit building, earned wage access, or prepaid product compliance.</li> <li class="font-claude-response-body whitespace-normal break-words pl-2">Experience at a public company.</li> <li class="font-claude-response-body whitespace-normal break-words pl-2">Familiarity with AI-driven decisioning models and the associated fair lending and UDAAP considerations.</li> <li class="font-claude-response-body whitespace-normal break-words pl-2">Prior experience supporting state licensing, money transmission compliance, or multi-state regulatory frameworks.</li> </ul><div class="content-pay-transparency"><div class="pay-input"><div class="title">Base Range</div><div class="pay-range"><span>$182,000</span><span class="divider">&mdash;</span><span>$280,000 USD</span></div></div></div><div class="content-conclusion"><p><u>Equal Employment Opportunity Statement</u></p> <p>Kikoff Inc. is an equal opportunity employer. We are committed to complying with all federal, state, and local laws providing equal employment opportunities and considers qualified applicants without regard to race, color, religion, creed, gender, national origin, age, disability, veteran status, marital status, pregnancy, sex, gender expression or identity, sexual orientation, citizenship, or any other legally protected class.</p> <p>Please reference the following for <a href="https://www.eeoc.gov/sites/default/files/2022-10/22-088_EEOC_KnowYourRights_10_20.pdf" target="_blank">more information</a>.</p></div>