Legal & Compliance - sole hire, build with AI

The role

You will be the sole legal and compliance hire, owning the function end-to-end. You will design and stand up new products with minimal regulatory footprints and automate legal operations using AI agents.

What you will do

• Work with product and engineering to design products with the fewest licenses and obligations
• Define entity, licensing, and bank-partner posture for new products
• Write policies, procedures, disclosures, and agreements
• Review marketing, product flows, and partnerships
• Reconcile posture across the product suite to remove duplication
• Maintain current legal and compliance operations
• Automate or retire manual tasks through agentic workflows
• Run litigation defense, dispute resolution, complaints, exams, and audits
• Manage bank and partner compliance relationships, privacy, and BSA/AML/KYC and fraud policy
• Provide clear, fast, written answers to founders and cross-functional teams

Required qualifications

• JD and active bar admission in a US state
• Prior legal or compliance role at a fintech startup
• Mid-career experience taking a regulated consumer product through its full lifecycle
• Hands-on with the consumer finance stack: FCRA and credit reporting, UDAAP, TILA/Reg Z, ECOA, EFTA/Reg E, state lending and money-transmission licensing, bank partnership programs, and BSA/AML/KYC
• Experience managing outside counsel and regulator or bank-partner relationships directly
• Technically proficient and comfortable reading code and data
• Ability to build workflows with AI tools

Nice to have

• Multidisciplinary background in a business, engineering, or product function

Benefits

• High ownership with minimal bureaucracy
• Direct impact on millions of people's ability to access credit

About the company

Kovo is expanding access to financial tools for people historically excluded from the traditional credit system. The company is backed by Inspired Capital and Homebrew.