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Senior Marketing Compliance Lead (Bilingual in Spanish and English)

Kikoff - Phoenix, AZ, United States - Hybrid - posted 2026-10-09

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Salary: USD 119,000 - 180,000 / 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 own marketing compliance end-to-end, serving as both a builder and owner of marketing compliance systems and processes. This role is bilingual in Spanish and English, reflecting Kikoff's diverse customer base. Key responsibilities include: - Own marketing compliance standards, review processes, claims substantiation, records management, monitoring, and tooling; set the roadmap with the Head of Compliance - Review consumer-facing material in English and Spanish across all channels: paid social and search, email and SMS, landing pages, in-app flows, app store listings, direct mail, affiliate and influencer content, customer support guidance, and partner collateral - Review Spanish creative on its own terms, ensuring disclosures are equivalent in meaning and prominence to English versions and that legal terminology is rendered correctly - Lead development of Kikoff's AI-assisted marketing review capability, partnering with Legal, Marketing, and Engineering to build the system, establish ground truth, and validate performance before deployment - Maintain policies, procedures, risk tiering, disclosure standards, and channel playbooks; keep review records for examiners, auditors, and bank partners This is not a pure review seat—you will build systems and processes that enable the marketing team to move fast while maintaining accuracy, substantiation, proper disclosure, and approval. REQUIREMENTS: - Full professional fluency in Spanish and English with ability to review, edit, and provide written compliance guidance on financial marketing copy in both languages (assessed in interview) - 6+ years in compliance, legal, or regulatory review in consumer financial services, including 4+ years directly reviewing and approving consumer marketing and advertising at a bank, fintech, lender, or similarly regulated consumer brand - Experience owning a marketing review function or program (not just a queue); demonstrated high-volume review at speed with ability to maintain quality as throughput increases - Experience driving automation of review processes and appetite to specify AI tooling; having built or configured AI-assisted review, claims checking, or marketing monitoring is a significant plus - Strong sense of urgency; ability to give clear answers with caveats rather than waiting for perfection after launch - Working command of advertising rule set: UDAAP, TILA/Reg Z advertising and trigger terms, ECOA/Reg B, FCRA advertising and prescreen, FTC endorsement guides and substantiation expectations, TCPA, and CAN-SPAM - Excellent written communication in both languages; ability to influence without authority PLUS (not required): - Credit-building, credit reporting, or subscription financial product experience - Experience managing a bank partner's marketing approval process - Fair lending exposure in advertising and audience targeting - Hands-on use of marketing compliance monitoring platforms (e.g., PerformLine) - CRCM, CIPP/US, or JD certification

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