Legal & Compliance - sole hire, build with AI

The role

You will own the legal and compliance function end-to-end for current and future products. You will work with product and engineering to design products with minimal regulatory footprints and build agentic workflows to automate tasks.

What you will do

• Work with product and engineering on the design of each new product
• Define the entity, licensing, and bank-partner posture for each product
• Write the policies, procedures, disclosures, and agreements each product needs
• Review marketing, product flows, and partnerships before they ship
• Reconcile the posture across the product suite as it grows
• Keep current legal and compliance operations running
• Find what can be codified, automated, or retired
• Run litigation defense, dispute resolution, complaints, exams, and audits
• Own bank and partner compliance relationships, privacy, and BSA/AML/KYC and fraud policy
• Build and maintain agentic workflows for research, drafting, policy maintenance, monitoring, and reconciliation

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
• Extremely organized with an uncommon attention to detail
• Clear, concise writer
• Technically proficient and comfortable reading code and data, pulling numbers, and building workflows with AI tools

Nice to have

• Multidisciplinary background: worked in a business, engineering, or product function before or alongside legal work

Benefits

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

About the company

Kovo is expanding access to financial tools for people historically excluded from the traditional credit system. The company has grown revenue 20x over the past three years and is backed by Inspired Capital and Homebrew.