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Salary: CAD 220,000 - 260,000 / annual
KOHO Financial is a Canadian fintech on a mission to make financial services better for every Canadian through transparent, fair products. The company is entering a new phase—leaner, smarter, and more AI-integrated—with a remote-first, high-trust culture that emphasizes autonomy and work-life integration.
As Director, Legal – Product and Regulatory, you will lead legal support for KOHO's product development and regulatory strategy across both KOHO Tech and KOHO Bank (letters patent pending). You will be the key legal leader partnering with Product, Technology, Marketing, Risk, and Compliance teams to provide practical legal advice that enables innovation while protecting customers and maintaining strong regulatory standards.
Key responsibilities include:
- Partner across KOHO Tech and KOHO Bank to provide practical regulatory advice that enables growth while protecting customers
- Support the design and launch of new financial products and features, identifying regulatory risks early and helping teams build compliant solutions
- Play a key role in helping KOHO establish and operationalize a regulated bank, including supporting engagement with regulators such as OSFI, FCAC, and the Bank of Canada
- Support Marketing and Growth teams by ensuring campaigns are effective and compliant with financial services and consumer protection requirements
- Provide guidance to customer-facing teams on complaint handling, communications, and fairness considerations
- Help build scalable legal and regulatory processes to support KOHO's long-term growth as a regulated financial institution
- Support the development of knowledge management for Legal
- Mentor other members of the Legal team and represent Legal in cross-functional and leadership forums
You will thrive in a flat, fast-moving organization where you can roll up your sleeves, solve complex regulatory questions, and take ownership of outcomes. The ideal candidate is high-agency and entrepreneurial, commercial and pragmatic, curious and solutions-oriented, and comfortable with ambiguity and speed. You should be a builder who not only solves immediate problems but also creates scalable processes and systems. Strong collaboration and influence skills are essential, as is genuine curiosity about technology and AI.
REQUIREMENTS:
- 10+ years of post-call experience as a lawyer practicing in Canada (in-house and/or at a law firm), with substantial in-house experience
- Direct experience advising on the launch of retail banking products, as well as related financial services regulation, banking law, and consumer protection frameworks
- Demonstrated ability to operate with significant autonomy and deliver practical, business-oriented legal advice to senior stakeholders
- A track record of leading complex legal or regulatory initiatives with minimal oversight
NICE-TO-HAVES:
- Experience working at both a large bank and a smaller tech startup or fintech, ideally through a bank charter or launch process
- Experience engaging directly with regulators
- Lobbying or government relations experience
- Familiarity with the RPAA and the Financial Consumer Protection Framework (FCPF)
- AML advisory experience at a bank
- Experience implementing privacy laws
- Experience mentoring or managing junior legal counsel
- Fluent in French
