Head of Consumer Compliance

About this role

Kikoff: The Fintech Powering Financial Security at Scale
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.
We're scaling fast. Join us if you want to build something meaningful and help millions of people move forward financially.

Why Kikoff:

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.

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.

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.

What We're Looking For

• 8+ years of consumer compliance experience in financial services, with at least 3 years in a…