Head of Consumer Compliance

The Role

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.

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.

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What You'll Do

• 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.
• Ensure compliance with federal consumer financial laws including TILA, ECOA, FCRA, EFTA, UDAP/UDAAP, SCRA, MLA, and applicable state EWA and consumer protection statutes.
• 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.
• Oversee consumer-facing disclosures, terms of service, and adverse action notices to ensure accuracy and regulatory compliance.
• 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.
• Monitor regulatory developments — particularly from the CFPB, state regulators, and the courts — and proactively translate them into actionable guidance for the business.

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What We're Looking For

• 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.
• Proven experience managing bank partner compliance relationships, including audit responses, program reviews, and ongoing reporting obligations.
• 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.
• CRCM or equivalent certification strongly preferred.
• Genuine commitment to Kikoff's mission of expanding financial access and opportunity for underserved consumers.

Nice to Have

• 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.

Location: San Francisco, CA (Hybrid 3 Days in Office)