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Salary: USD 100,000 - 150,000 / annual
Kikoff is a profitable, pre-IPO fintech company on a mission to empower financial security at scale. With record revenue growth in 2025 and a unicorn valuation, the company has built a suite of products helping millions build credit, access liquidity, and save money.
Reporting to the Head of Compliance, you will serve as a hands-on second-line testing analyst responsible for ensuring Kikoff's controls and BSA/AML program work in practice and deliver required customer outcomes. This is an independent testing role supporting new products and growing volumes.
Key responsibilities include:
- Execute risk-based testing and monitoring reviews from scoping through remediation validation, including population definition, sampling, evidence analysis, findings, and reporting
- Perform second-line BSA/AML and sanctions monitoring, investigate exceptions, and support regulatory reporting
- Help build and run AI tooling with Legal, Compliance, and Engineering to sort monitoring exceptions and automate routine tests, with human oversight built in; test the tooling before relying on it and document controls for examiners and bank partners
- Translate regulatory obligations and customer-outcome risks into precise control questions, test procedures, and failure criteria; test both design and operational effectiveness
- Test controls across fair lending, FCRA and credit furnishing, UDAAP, Reg E, Reg Z, ECOA/Reg B, servicing and collections, privacy, and marketing review
- Produce testing and monitoring reporting for Compliance leadership, bank partners, and governance committees; support regulatory examinations and internal audit
- Contribute to testing methodology, templates, and quality standards as coverage expands
You will work with serial entrepreneurs who have built strong consumer brands and innovative products. The company values extreme ownership, clear communication, craftsmanship, and lasting work relationships.
REQUIREMENTS:
- 4+ years in compliance testing, monitoring, internal audit, or regulatory assurance in consumer financial services (bank, fintech, lender, servicer, or consultancy)
- Ability to turn broad risks into bounded, defensible reviews with clear objectives, populations, evidence plans, test procedures, and stated conclusions
- Capability to pull and reconcile populations using SQL or BI tools
- Working knowledge of consumer protection regulation with real depth in several areas: UDAAP, FCRA, fair lending, Reg E, Reg Z
- BSA/AML and sanctions experience, including escalation review and investigation; ability to write clear narratives
- Demonstrated use of AI in own work with judgment about where to trust it and where not to
NICE TO HAVE:
- Experience applying AI to real testing work (triaging exceptions, classifying populations, automating recurring tests)
- Regulatory examination, bank partner review, or internal audit experience
- Credit-building, credit reporting, lending, or earned wage access product experience
- Professional certifications (CRCM, CAMS, CIA, CISA, CPA)
- Hands-on use of tools such as Amplitude, Jira, Notion, or GRC platforms
