Senior Legal Counsel, Product and Regulatory

About this role

ABOUT KOHO

We’re on a mission to make financial services better for every Canadian. That means no hidden fees, no predatory interest rates - just financial products designed to help our users spend smart, save more, and build real wealth. We’re a performance organization with a strong heart: we care deeply about outcomes, and everything ties back to our mission - to financially empower a generation of Canadians.

At KOHO, we’re not your average 9-5. We believe real impact comes from people who are trusted, empowered, and supported to do their best work - without sacrificing their lives to do it. We prioritize work-life integration, not just work-life balance. That means asynchronous collaboration, flexible hours, and a remote-first setup built around autonomy and high trust.

KOHO is entering its next chapter - leaner, smarter, more AI-integrated. We’re building for impact, not bureaucracy. If you thrive in environments that value clarity, ownership, and bold thinking, you’ll fit right in.

About The Role

As Senior Legal Counsel, Product and Regulatory, you will play a key role in supporting KOHO’s product development and regulatory strategy across both KOHO Tech and KOHO Bank.

You will work closely with Product, Marketing, Risk, and Compliance teams to provide practical legal advice that enables innovation while protecting customers and maintaining strong regulatory standards.

This role is ideal for a lawyer who enjoys building new things, solving complex regulatory questions, and working closely with business teams in a fast-moving environment.

What You’ll Do

- 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 set up 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 complaints handling, communications, and fairness considerations.

- Help build scalable legal and regulatory processes to support KOHO’s long-term growth as a regulated financial institution.

What You’ll Bring

Experience

- 6+ years post-call experience as a lawyer practicing in Canada (in-house and/or at a law firm).

- Experience advising on financial services regulation, banking law, or consumer protection frameworks.

- Strong judgment and the ability to provide practical, business-oriented legal advice.

Ways of Working

- Comfortable working cross-functionally with Product, Marketing, CX, Risk, and Compliance teams.

- High ownership mindset — takes initiative and focuses on solutions over problems.

- Builder mentality with a bias toward action in fast-moving environments.

Personal Traits

- Curious and quick to learn

- Proactive and highly organized

- Comfortable operating in high-ambiguity environments

- Strong work ethic and reliability

- Honest, responsive, and collaborative

Nice to Have

- Experience working at a bank, fintech, or regulated financial institution

- Familiarity with RPAA and the Financial Consumer Protection Framework (FCPF)

- Knowledge of AML/ATF and privacy laws

- Fluent in French

The budgeted salary range for this role is $180,000 - $210,000 CAD / year.

At KOHO, we are dedicated to providing pay transparency to all candidates. Compensation at KOHO is determined through various factors including but not limited to: comparable salary market data within Canada, technical skill assessment, a holistic view of previous work history, and internal pay equity with other KOHO team members.

DESCRIPTION DE POSTE EN FRANÇAIS

À PROPOS DU POSTE

À titre de conseiller(ère) juridique principal(e), Produits et réglementation, vous jouerez un rôle clé dans le soutien du développement des produits et de la stratégie réglementaire de KOHO, tant pour KOHO Tech que pour KOHO Bank.

Vous travaillerez en étroite collaboration avec les équipes Produits, Marketing, Risque et Conformité afin de fournir des conseils juridiques pratiques qui favorisent l’innovation tout en protégeant les clients et en maintenant des normes réglementaires rigoureuses.

Ce poste est idéal pour un(e) avocat(e) qui aime bâtir de nouvelles solutions, résoudre des questions réglementaires complexes et collaborer étroitement avec les équipes d’affaires dans un environnement dynamique.

CE QUE VOUS FEREZ

- Collaborer avec les équipes de KOHO Tech et de KOHO Bank afin de fournir des conseils réglementaires pratiques qui soutiennent la croissance tout en protégeant les clients.

- Soutenir la conception et le lancement de nouveaux produits et fonctionnalités financières, en identifiant les risques réglementaires dès le départ et en aidant les équipes à développer des solutions conformes.

- Jouer un rôle clé dans la mise en place et l’opérationnalisation d’une banque réglementée chez KOHO, notamment en appuyant les interactions avec les organismes de réglementation tels que le BSIF, l’ACFC et la Banque du Canada.

- Soutenir les équipes Marketing et Croissance en veillant à ce que les campagnes soient efficaces et conformes aux exigences applicables en matière de services financiers et de protection des consommateurs.

- Fournir des conseils aux équipes en contact avec la clientèle concernant le traitement des plaintes, les communications et les considérations liées à l’équité.

- Contribuer à la mise en place de processus juridiques et réglementaires évolutifs afin de soutenir la croissance à long terme de KOHO en tant qu’institution financière réglementée.

CE QUE VOUS APPORTEREZ

EXPÉRIENCE

- Plus de 6 ans d’expérience après l’

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