Legal & Compliance Lead – AI
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Job Description
Kovo's first legal and compliance hire building AI-enabled financial products for underserved consumers. Owning regulatory strategy, product launches, automation, and partner relationships.
Responsibilities:
- Own legal and compliance end-to-end as Kovo's first and sole legal and compliance hire
- Stand up new consumer financial products from zero to one and scale them
- Work with product and engineering to design products with minimal licenses and obligations
- Define entity, licensing, and bank-partner posture for each product
- Write and obtain approval for policies, procedures, disclosures, and agreements
- Review marketing, product flows, and partnerships before launch
- Build scalable legal and compliance review processes
- Reconcile legal and compliance posture across the product suite
- Maintain existing legal and compliance operations
- Codify, automate, or retire manual processes
- Run litigation defense, dispute resolution, complaints, exams, and audits
- Own bank and partner compliance relationships, privacy, and BSA/AML/KYC and fraud policy
- Build and maintain agentic workflows for research, drafting, policy maintenance, monitoring, and reconciliation
- Review and maintain the quality of agent-generated work
- Engage and manage outside counsel when necessary
- Provide clear, actionable written guidance to founders and cross-functional teams
- Represent Kovo with banks, partners, regulators, and auditors
- Report to a founder based in Austin, Texas
Requirements:
- Practicing attorney with JD and active bar admission in a US state
- Prior legal or compliance experience at a fintech startup, ideally a fast-growing one
- Mid-career experience taking a regulated consumer product through its full lifecycle
- Hands-on knowledge of FCRA and credit reporting, UDAAP, TILA/Reg Z, ECOA, EFTA/Reg E, state lending and money-transmission licensing, bank partnership programs, and BSA/AML/KYC
- Experience managing outside counsel and regulator or bank-partner relationships directly
- Strong preference for a multidisciplinary background in business, engineering, or product
- Extremely organized with uncommon attention to detail
- Clear, concise writing skills
- Technically proficient; comfortable reading code and data, pulling numbers, and building AI-tool workflows
- Ability to work with agentic workflows while maintaining a high quality standard
- Comfortable with high intensity, full ownership, rapid prioritization, and tight timelines
- Experience demonstrating product or program simplification, license avoidance, consolidation, or automation
- Legally authorized to work in the United States
Benefits:
- Equity: 0.02%–0.06%
- Benefits offered
- Fully remote work
- Cross-functional support from business operations and customer experience
- Access to agents, outside counsel, and cross-functional teamwork
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