Product and Privacy Counsel

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About the role

Kikoff: The Fintech Powering Financial Security at Scale Kikoff is a profitable, pre-IPO fintech company on a mission to empower everyone to achieve financial security. With record revenue growth in 2025 and a unicorn valuation, we've built a suite of products that help millions of people build credit, access liquidity, and save money. We're scaling fast. Join us if you want to build something meaningful and help millions of people move forward financially. Why Kikoff: This is a consumer fintech startup, and you will be working with serial entrepreneurs who have built strong consumer brands and innovative products. We value extreme ownership, clear communication, a strong sense of craftsmanship, and the desire to create lasting work and work relationships. Yes, you can build an exciting business AND have real-life real-customer impact. The Role We are looking for a talented, curious lawyer to serve as a legal partner to our product, engineering, and business teams. You will work across Kikoff's growing product ecosystem — including credit-building products, earned wage access (EWA), and new product lines in development — to help us move fast while staying on the right side of a complex and evolving regulatory landscape. This role is a fit for someone who is early enough in their career to still be building depth, but far enough along to own problems end to end. You will have real ownership over your matters from day one and a direct line of sight into how legal decisions shape the product. You should be comfortable operating in areas of legal ambiguity, eager to learn both bank-partnered and direct-to-consumer product structures, and excited by the intersection of consumer financial services and technology. What You'll Do • Act as a day-to-day legal advisor to product and engineering teams throughout the product development lifecycle, from concept through launch and iteration, escalating novel or bet-the-company questions as appropriate. • 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. • 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 and disclosures, a variety of different marketing materials, and commercial agreements. • Collaborate cross-functionally with compliance, risk, marketing, and operations to embed legal guardrails without slowing the pace of innovation. • Use AI to make the Legal function more effective and efficient. What We're Looking For • J.D. from an accredited law school. • 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. • 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. • Strong written and verbal communication skills, with the ability to simplify complex legal concepts for non-legal aud

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