Product and Privacy Counsel

The role

You will act as a legal advisor to product and engineering teams throughout the product development lifecycle. You will advise on the design and regulatory implications of consumer financial products and data privacy requirements.

What you will do

• Act as a day-to-day legal advisor to product and engineering teams.
• Advise on the design, structuring, and regulatory implications of consumer financial products.
• Research and apply federal and state consumer financial regulations.
• Advise on data privacy and consumer data protection requirements.
• Provide guidance on marketing and communications.
• Track regulatory developments and translate them into practical, actionable product guidance.
• Support state licensing applications, renewals, and compliance filings.
• Draft, review, and negotiate consumer-facing terms, marketing materials, and commercial agreements.
• Collaborate cross-functionally with compliance, risk, marketing, and operations.
• Use AI to make the Legal function more effective and efficient.

Required qualifications

• J.D. from an accredited law school.
• Active member of the California state bar or registered in-house counsel in California.
• 5-8 years of legal experience, including meaningful time in litigation, product counseling, or regulatory practice.
• Comfort operating in fast-moving, ambiguous environments.
• Track record of turning legal research into clear, practical guidance.
• Good judgment and intellectual honesty.
• Strong written and verbal communication skills.
• Experience and interest in the use of AI to support legal functions.
• Enthusiasm for Kikoff's mission.

Nice to have

• A mix of law firm and in-house experience
• Knowledge of federal consumer finance statutes (TILA, ECOA, FCRA, EFTA)
• Familiarity with consumer data privacy laws (CCPA/CPRA, GLBA)
• Exposure to credit-building or credit reporting products, earned wage access, consumer lending through bank partnership models, or payments
• Exposure to multi-state licensing or regulatory examination processes

Benefits

• Medical, dental, vision
• Kikoff covers the full cost for employees
• 50% for dependents
• RSU's

Before you apply

• Visa sponsorship available

About the company

Kikoff is a profitable, pre-IPO fintech company on a mission to empower everyone to achieve financial security. They have built a suite of products that help millions of people build credit, access liquidity, and save money.