Legal & Compliance, AI Specialist

This is a fully remote position, open to applicants in United States.

📋 Description

• Take charge of legal and compliance responsibilities end-to-end as Kovo’s primary legal and compliance professional.

• Initiate and develop new consumer financial products from concept to implementation and facilitate their scaling.

• Collaborate with product and engineering teams to design offerings that reduce the need for licenses and obligations.

• Establish the entity structure, licensing requirements, and bank-partner strategies for each product.

• Prepare policies, procedures, disclosures, and agreements while securing approvals from partners and regulators.

• Assess marketing strategies, product flows, and partnerships prior to launch.

• Align legal and compliance standards across the entire product portfolio.

• Sustain existing legal and compliance operations.

• Streamline, automate, or phase out manual processes where feasible.

• Oversee litigation defense, dispute resolution, complaints, examinations, and audits.

• Manage compliance relationships with banks and partners, as well as privacy and BSA/AML/KYC and fraud policies.

• Develop and uphold efficient workflows for research, drafting, policy management, monitoring, and reconciliation.

• Ensure the quality of work produced by agents and maintain accountability for judgment and approvals.

• Collaborate with and manage external counsel when required.

• Deliver clear written guidance to founders and cross-functional teams.

• Act as Kovo’s representative with banks, partners, regulators, and auditors.

• Report directly to one of the founders located in Austin, Texas.

⛳️ Requirements

• Licensed attorney with a JD and active bar admission in a US jurisdiction.

• Previous experience in a legal or compliance position at a fintech startup, preferably one that is rapidly expanding.

• Mid-career expertise in managing a regulated consumer product throughout its entire lifecycle.

• Practical knowledge of FCRA and credit reporting, UDAAP, TILA/Reg Z, ECOA, EFTA/Reg E, as well as state lending and money-transmission licensing, bank partnership programs, and BSA/AML/KYC.

• Experience directly managing outside counsel and relationships with regulators or bank partners.

• Strong preference for candidates with a multidisciplinary background in business, engineering, or product development.

• Technically adept; able to interpret code and data, analyze figures, and construct workflows using AI tools.

• Exceptionally organized with remarkable attention to detail.

• Proficient in clear and concise writing.

• Must possess legal authorization to work in the United States.

🏝️ Benefits

• 0.02% – 0.06% equity.

• Comprehensive benefits package available.

• Option for fully remote work.

• High level of ownership with minimal bureaucracy.

• Commitment to speed, learning, and impact as fundamental values.