Head of Consumer Compliance

Join Kikoff, a leading FinTech company, as the Head of Consumer Compliance. In this senior leadership role, you will be responsible for ensuring that Kikoff's products and operations comply with all applicable federal and state consumer financial laws and regulations. You will manage the compliance relationship with our bank partners, oversee the consumer compliance management system, and lead the complaints management program. Additionally, you will partner closely with product and engineering teams, prepare compliance program updates for senior leadership, and build and develop a team of consumer compliance professionals.

• Lead and own Kikoff's consumer protection compliance program, ensuring adherence to federal and state consumer financial laws and regulations.
• Serve as the primary compliance point of contact for Kikoff's bank partners, managing ongoing compliance reporting, program reviews, audit requests, and escalations.
• Continuously enhance Kikoff's consumer compliance management system (CMS), including policies, procedures, monitoring, testing, and training.
• 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
• 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 managing regulatory examinations and responding to inquiries from the CFPB, state regulators, or bank oversight teams
• Proven experience managing bank partner compliance relationships, including audit responses, program reviews, and ongoing reporting obligations
• Experience working within or alongside bank partnership (BaaS) models and a clear understanding of shared compliance responsibilities between FinTechs and their sponsor banks
• CRCM or equivalent certification strongly preferred
• Deep knowledge of federal consumer financial laws and regulations, including TILA, ECOA, FCRA, EFTA, UDAP/UDAAP, and applicable state consumer protection laws
• Track record of partnering effectively with product and engineering teams to embed compliance requirements early in the development process
• Experience at a technology-driven company in high-growth mode
• Genuine commitment to Kikoff's mission of expanding financial access and opportunity for underserved consumers
• Strong understanding of CMS frameworks and best practices, including risk assessment, monitoring, testing, and training
• Excellent written and verbal communication skills, with the ability to distill complex regulatory requirements into clear guidance for non-compliance audiences
• Experience with consumer lending, credit building, earned wage access, or prepaid product compliance
• Experience at a financial regulator
• Experience at a public company
• Prior experience supporting state licensing, money transmission compliance, or multi-state regulatory frameworks
• Familiarity with AI-driven decisioning models and the associated fair lending and UDAAP considerations