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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 its next chapter—leaner, smarter, and more AI-integrated—with a remote-first, high-trust culture that prioritizes autonomy and work-life integration.
As Director, Legal (Product & 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'll be a key strategic leader working closely 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'll thrive in this role if you're high-agency and entrepreneurial, taking ownership and moving problems forward without waiting for perfect instructions. You're commercial and pragmatic, understanding that Legal's job is to help the business achieve its goals while making smart, risk-calibrated decisions. You're curious and solutions-oriented, enjoying getting into the weeds of how products and technology work. You're a builder who turns recurring problems into better processes, playbooks, tools, and systems. You have low ego and high self-awareness, confident in your judgment but genuinely open to being challenged. You're comfortable with ambiguity and speed, making progress with incomplete information. You're collaborative and influential, building strong relationships without relying on hierarchy. You're technically curious, excited by 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 have:
- 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
