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.

• 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 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.