Product and Privacy Counsel

Join Kikoff, a fast-growing fintech company, as a Product and Privacy Counsel. In this role, you will provide legal guidance to product and engineering teams throughout the product development lifecycle, advise on consumer financial product design and regulatory implications, and track regulatory developments. You will have real ownership over your matters from day one and a direct line of sight into how legal decisions shape the product. This position offers a competitive salary, health benefits, flexible PTO, and a 401k matching program.

• Act as a day-to-day legal advisor to product and engineering teams throughout the product development lifecycle, from concept through launch and iteration.
• Advise on the design, structuring, and regulatory implications of consumer financial products, including credit-building tradelines, earned wage access, lending, and new product concepts.
• Research and apply federal and state consumer financial regulations, and provide guidance on marketing and communications.

• Be an 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. A mix of law firm and in-house experience is a plus, but we are open to candidates coming directly from a firm
• J.D. from an accredited law school
• We are looking for a talented, curious lawyer to serve as a legal partner to our product, engineering, and business teams
• Strong written and verbal communication skills, with the ability to simplify complex legal concepts for non-legal audiences
• Comfort operating in fast-moving, ambiguous environments, and a track record of turning legal research into clear, practical guidance rather than a memo full of caveats
• Good judgment, intellectual honesty about what you do and do not know, and a bias toward enabling the business rather than only identifying risk
• Eagerness and curiosity in learning new substantive areas of the law
• Enthusiasm for Kikoff's mission and the opportunity to expand access to financial services for underserved consumers
• Experience and interest in the use of AI to support legal functions
• Exposure to multi-state licensing or regulatory examination processes
• Exposure to at least one of: credit-building or credit reporting products, earned wage access, consumer lending through bank partnership models, or payments
• Knowledge of federal consumer finance statutes (TILA, ECOA, FCRA, EFTA) and a willingness to build depth quickly in state lending and money transmission frameworks
• Familiarity with consumer data privacy laws (CCPA/CPRA, GLBA), or the appetite to get up to speed on advising product teams on data collection, use, and sharing practices