Legal & Compliance Lead – AI

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

📋 Description

• Take charge of the legal and compliance functions as Kovo's inaugural and exclusive legal and compliance hire.

• Launch new consumer financial products from inception to growth.

• Collaborate with product and engineering teams to design offerings with minimal licensing requirements and obligations.

• Establish the entity structure, licensing, and banking partner stance for each product.

• Draft and secure approval for policies, procedures, disclosures, and agreements.

• Review marketing materials, product processes, and partnerships prior to their launch.

• Develop scalable processes for legal and compliance reviews.

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

• Sustain current legal and compliance operations.

• Codify, automate, or eliminate manual procedures.

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

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

• Create and sustain agentic workflows for research, drafting, policy management, monitoring, and reconciliation.

• Review and ensure the quality of work generated by agents.

• Engage and oversee outside counsel when needed.

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

• Represent Kovo in interactions with banks, partners, regulators, and auditors.

• Report directly to a founder located in Austin, Texas.

⛳️ Requirements

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

• Previous legal or compliance experience within a fintech startup, preferably one that is rapidly growing.

• Mid-level experience guiding a regulated consumer product through its complete lifecycle.

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

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

• Strong preference for a multidisciplinary background encompassing business, engineering, or product management.

• Highly organized with exceptional attention to detail.

• Excellent writing skills that are clear and concise.

• Technically adept; comfortable analyzing code and data, extracting metrics, and constructing AI tool workflows.

• Ability to work with agentic workflows while upholding high-quality standards.

• Comfortable operating in a high-intensity environment, taking full ownership, prioritizing rapidly, and adhering to tight deadlines.

• Demonstrated experience in simplifying products or programs, avoiding licensing issues, consolidating processes, or automating tasks.

• Legally authorized to work in the United States.

🏝️ Benefits

• Equity: 0.02%–0.06%.

• Comprehensive benefits package available.

• Fully remote work opportunity.

• Cross-functional support from business operations and customer experience teams.

• Access to agents, outside counsel, and collaborative teamwork.