Director, Regulatory Compliance Management, Advisory and Privacy Office

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.

We’re looking for a seasoned Director, Regulatory Compliance Management, Advisory and Privacy Office to lead the advisory heart of KOHO’s Compliance function and to own our Privacy Office end to end. Reporting to the Chief Compliance Officer, you will be the trusted advisor to our business partners, such as product (lending, core banking, growth & onboarding), marketing, and user success, and before they build — translating a dense regulatory landscape into clear and useful guidance.

You will also own KOHO’s privacy program, from Privacy Impact Assessments and consent design through to breach response.

This is a hands‑on leadership role for someone who is energized by ambiguity, comfortable being the decision‑maker in the room, and motivated by building durable programs rather than inheriting them. If you believe compliance should make good products possible rather than merely permissible, you’ll do your best work here.

• Act as the primary compliance advisor to business partners such as Product (lending, core banking, growth & onboarding), Marketing, Technology, Payments, Partnerships, and User Success, providing timely, practical, risk‑based guidance on new products, features, campaigns, and business arrangements.

• Own the regulatory advisory and interpretation function , resolving novel questions with clear written positions and a defensible rationale that stands up to regulatory and audit scrutiny.

• Lead compliance review and sign‑off of marketing materials, disclosures, and customer communications , and embed obligations into product development early.

• Own the Whistle blower and Ethics programs , including intake, investigation oversight, non‑retaliation, and ethics reporting to the Board.

• In collaboration with Legal, own the regulatory compliance management program : horizon scanning, impact assessment, and coordinated implementation of new and amended regulatory requirements.

• Maintain KOHO’s regulatory obligations inventory and the mapping of obligations to responsible business owners, policies, and controls.

• Lead the development, refresh, and governance of compliance policies, standards, and procedures , including annual approval cycles.

• Own and mature KOHO’s enterprise privacy program , aligned to privacy legislation, and act as KOHO’s designated privacy lead.

• Establish and run the Privacy Impact Assessment process for new products, vendors, data uses, and technology changes, and govern consent, collection, use, disclosure, retention, and cross‑border transfer of personal information on a privacy‑by‑design basis.

• Lead privacy incident and breach response , including containment…