Kikoff

Head of Consumer Compliance

San Francisco · Senior

Sponsorship not specified$182k-$280kDetected 16 days ago

ComplianceValuationLeadershipCommunication

About the role

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.
You'll be expected to work across products including lines of credit, deposit products, and more.

Own and continuously enhance Kikoff's consumer compliance management system (CMS), including policies, procedures, monitoring, testing, and training.
Serve as the primary compliance point of contact for Kikoff's bank partners, managing ongoing compliance reporting, program reviews, audit requests, and escalations.
Partner closely with product and engineering teams to review new products, features, and marketing materials for consumer compliance risk prior to launch.
Lead and manage the complaints management program, ensuring timely resolution, root cause analysis, and escalation of trends to senior leadership and bank partners.
Design and execute the compliance monitoring and testing program, identifying gaps and working cross-functionally to remediate issues.
Prepare and present compliance program updates, risk assessments, and key metrics to senior leadership, the board, and bank partners.
Manage and respond to regulatory inquiries, examinations, and audits from bank partners, the CFPB, and state regulators.
Build and develop a team of consumer compliance professionals, setting clear expectations and fostering a culture of accountability and continuous improvement.

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.
Experience at a technology-driven company in high-growth mode.
Deep knowledge of federal consumer financial laws and regulations, including TILA, ECOA, FCRA, EFTA, UDAP/UDAAP, and applicable state consumer protection laws.
Strong understanding of CMS frameworks and best practices, including risk assessment, monitoring, testing, and training.
Experience working within or alongside bank partnership (BaaS) models and a clear understanding of shared compliance responsibilities between FinTechs and their sponsor banks.
Track record of partnering effectively with product and engineering teams to embed compliance requirements early in the development process.
Experience managing regulatory examinations and responding to inquiries from the CFPB, state regulators, or bank oversight teams.
Excellent written and verbal communication skills, with the ability to distill complex regulatory requirements into clear guidance for non-compliance audiences.

Experience at a financial regulator.
Experience with consumer lending, credit building, earned wage access, or prepaid product compliance.
Experience at a public company.
Familiarity with AI-driven decisioning models and the associated fair lending and UDAAP considerations.
Prior experience supporting state licensing, money transmission compliance, or multi-state regulatory frameworks.
Equal Employment Opportunity Statement
Kikoff Inc. is an equal opportunity employer.
Please reference the following for more information.

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.

nk partnership (BaaS) models and a clear understanding of shared compliance responsibilities between FinTechs and their sponsor banks

This listing is sourced directly from Kikoff's careers page and normalized into a canonical job model.