---
title: 'Senior Legal Counsel, Product and Regulatory at KOHO'
canonical: 'https://feeny.ai/job/senior-legal-counsel-product-and-regulatory-koho-canada-z2j0qgqwyf5r'
type: 'job'
last_seen: '2026-09-10'
---

# Senior Legal Counsel, Product and Regulatory at KOHO

- **Company:** KOHO
- **Location:** Canada
- **Compensation:** $180k–$210k
- **Employment:** full-time
- **Work type:** remote
- **Posted:** 2026-06-04
- **Last confirmed live:** 2026-09-10
- **Apply:** https://jobs.ashbyhq.com/koho/eee4ce09-110d-4a8e-8b23-219f3c89a13d/application

**Skills:** Financial services regulation, Banking law, Consumer protection frameworks, Regulatory compliance, Experience at a bank, fintech, or regulated financial institution, Knowledge of RPAA (Retail Payments Activities Act), Knowledge of FCPF (Financial Consumer Protection Framework), Knowledge of AML/ATF (Anti-Money Laundering/Anti-Terrorist Financing), Privacy laws, French language fluency

> KOHO seeks a Senior Legal Counsel to support product development and regulatory strategy for KOHO Tech and KOHO Bank. The role involves providing practical legal advice on financial services regulation, banking law, and consumer protection while partnering with cross-functional teams to ensure compliance and innovat...

## Job description

## 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’admission au Barreau à titre d’avocat(e) pratiquant au Canada (en entreprise et/ou en cabinet).
- Expérience en matière de réglementation des services financiers, de droit bancaire ou de cadres de protection des consommateurs.
- Excellent jugement et capacité à fournir des conseils juridiques pratiques orientés vers les besoins de l’entreprise.

Façon de travailler

- À l’aise de travailler de manière transversale avec les équipes Produits, Marketing, Expérience client (CX), Risque et Conformité.
- Fort sens de l’appropriation des dossiers, avec une approche axée sur les solutions plutôt que sur les problèmes.
- Mentalité de bâtisseur, avec une forte propension à l’action dans des environnements en constante évolution.

Qualités personnelles

- Curieux(se) et doté(e) d’une grande capacité d’apprentissage
- Proactif(ve) et très organisé(e)
- À l’aise dans des environnements où l’ambiguïté est élevée
- Solide éthique de travail et grande fiabilité
- Honnête, réactif(ve) et collaboratif(ve)

Atouts

- Expérience au sein d’une banque, d’une entreprise de technologie financière (fintech) ou d’une institution financière réglementée
- Connaissance de la Loi sur les activités associées aux paiements de détail (LPAD/RPAA) et du Cadre de protection des consommateurs de produits et services financiers (CPCPSF/FCPF)
- Connaissance des lois relatives à la lutte contre le blanchiment d’argent et le financement des activités terroristes (LBA/FT), ainsi que des lois sur la protection de la vie privée
- Maîtrise du français et de l’anglais

Rémunération L’échelle salariale prévue pour ce poste se situe entre 180 000 $ et 210 000 $ CA par année. Chez KOHO, nous nous engageons à offrir une transparence salariale à tous les candidats. La rémunération est déterminée en fonction de plusieurs facteurs, notamment les données comparatives du marché canadien, l’évaluation des compétences techniques, l’expérience professionnelle globale du candidat ainsi que l’équité salariale interne au sein de l’équipe KOHO. KOHO is for builders.

If you’re energized by challenge, motivated by mission, and want to be part of a team that punches above its weight - we want to hear from you.

The KOHO culture is one of collaboration, creativity, and diverse perspectives. We are committed to building and fostering an inclusive, accessible environment for everyone. If you have any questions, concerns, or requests regarding accessibility needs, please contact peopleaccessibility@koho.ca and the People and Culture team will be happy to help.

AI Disclosure: KOHO uses artificial intelligence (AI) in certain aspects of its recruitment process to screen, assess, or select applicants. For any questions or concerns, please contact us at talent@koho.ca.

Note: this posting is for an existing vacancy that we are seeking to fill.

#LI-Remote

## About KOHO

## Company Overview
- **One-liner**: KOHO is a Canadian fintech company that provides a mobile-first spending, saving, credit-building, and investing platform to help Canadians achieve financial progress.
- **Entity Type**: Private (Venture-backed)
- **Headquarters**: Toronto, Ontario, Canada
- **Founded**: 2014
- **Founders**: Daniel Eberhard (CEO), Jonathan Belanger, Laurent Crenier

## Core Business
- **Primary industry**: Fintech / Digital Banking / Consumer Finance
- **Target customers**: B2C – Canadian consumers, from students to high-earners, seeking an alternative to traditional banks.
- **Mission or purpose statement**: To build better financial solutions for all Canadians, providing open, intuitive products designed to help them live a better life. [koho.ca](https://www.koho.ca/about/)

## Products & Services
- **KOHO Spending Account**: A digital spending account with a Mastercard (physical or virtual) offering up to 2% cash back on everyday purchases. Includes real-time transaction notifications, budgeting tools, and no hidden fees.
- **KOHO Savings**: High-interest savings options with up to 3.5% interest on balances (funds held in trust with CDIC member institutions).
- **KOHO Credit Building**: A feature that allows users to build their credit history by reporting on-time payments to credit bureaus (Equifax and TransUnion).
- **KOHO Borrow**: A line of credit and overdraft protection feature for users who need access to extra cash.
- **KOHO Crypto Trading**: A feature enabling users to buy and sell cryptocurrencies within the app.
- **KOHO Everything Account**: A premium subscription plan (with a free 30-day trial) that bundles all features, including higher cashback, higher interest, and more benefits.

## Market Standing
- **Valuation/Market Cap**: Not publicly disclosed (last reported at ~$250M CAD valuation in 2021 per news reports, but current figure is not confirmed).
- **Key Metric**: Over **2.5 million** happy customers (as of 2025). [koho.ca](https://www.koho.ca/)
- **Total Funding**: Over **$230 million CAD** raised (including debt and equity).
- **Notable Investors/Partners**: Drive Capital, Portag3 Ventures, TTV Capital, HOOPP (Healthcare of Ontario Pension Plan), Round13 Capital, BDC Capital. Partnered with Mastercard. [koho.ca](https://www.koho.ca/about/)
- **Growth Signals**: Rated **#1 Canadian Financial App** (4.8 stars on the App Store). Strong employee engagement scores (4.3/5 overall in H2 2025). [koho.ca](https://www.koho.ca/culture/)

## Competitive Advantages
- **User-First Design**: A genuinely mobile-first, fee-free banking alternative that prioritizes user experience over hidden fees.
- **All-in-One Platform**: Combines spending, saving, credit, borrowing, and investing in a single app, reducing the need for multiple banking relationships.
- **Trust & Security**: Employs 256-bit encryption (bank-grade security) and holds savings funds in trust with CDIC member institutions.
- **Strong Canadian Brand**: Deeply rooted in the Canadian market with a mission that resonates locally, differentiating it from US-based neobanks.

## Strategic Focus
- **Product Expansion**: Continuing to add new features (e.g., crypto trading, credit building) to become a comprehensive financial hub.
- **User Growth**: Scaling beyond 2.5 million users while maintaining high app ratings and customer satisfaction.
- **Profitability Path**: Likely focused on unit economics and sustainable growth, having raised significant funding and now expanding revenue through subscription plans and lending.
- **Remote-First Culture**: Fully remote environment, allowing hiring across Canada and reducing office overhead.

## Why Work Here
- **Culture & Mission**: Purpose-driven work with a clear mission to help Canadians make financial progress. High employee engagement scores (4.3/5 overall in H2 2025) and strong scores on Mission (4.6) and Belonging (4.5). [koho.ca](https://www.koho.ca/culture/)
- **Remote-First**: Fully remote company – work from anywhere in Canada. Culture is built on shared ownership and high standards, not ping-pong tables.
- **Compensation & Benefits**: Competitive salary, stock options, annual merit increases, holiday bonus, generous PTO, Health & Lifestyle spending accounts, $1,000 remote office setup budget, $5,000 referral bonus, and a free KOHO Everything account. [koho.ca](https://www.koho.ca/culture/)
- **Growth & Development**: $2,000 annual training allowance, in-house coaching program, leadership development program, internal mobility, and regular feedback on performance.
- **Values-Driven**: Emphasizes "User First," "Dynamism" (speed and sound judgment), "Warmth" (openness and candor), "Craft" (pursuit of excellence), and "Anti-Cynical" / "Anti-Complacent" attitudes. [koho.ca](https://www.koho.ca/culture/)

## Sources
1. [koho.ca](https://www.koho.ca/) – Official website (product features, customer count, app rating)
2. [koho.ca/about](https://www.koho.ca/about/) – About page (mission, investors, partners)
3. [koho.ca/culture](https://www.koho.ca/culture/) – Culture page (values, benefits, employee engagement scores)
4. [jobs.ashbyhq.com/koho](https://jobs.ashbyhq.com/koho) – Careers page (open roles)
5. [crunchbase.com](https://www.crunchbase.com/organization/koho) – Funding history and investors (for total funding figure)
6. [techcrunch.com](https://techcrunch.com/2021/05/11/koho-raises-86m/) – 2021 funding round news (for valuation context)

## Other roles at KOHO

- [Director - Financial Crime Office (Deputy AML Officer); Head of Regulatory Relations and Testing](https://feeny.ai/job/director-financial-crime-office-deputy-aml-officer-head-of-regulatory-relations-cy46k40pe9jx) — Canada
- [Director - Privacy Office (Deputy Chief Privacy Officer); Head of Advisory and RCM](https://feeny.ai/job/director-privacy-office-deputy-chief-privacy-officer-head-of-advisory-and-rcm-dztv0qbye7yf) — Canada
- [Analytics Engineer](https://feeny.ai/job/analytics-engineer-koho-canada-kh98zvmq6at6) — Canada
- [Senior Purple Team Engineer](https://feeny.ai/job/senior-purple-team-engineer-koho-canada-6aafkvwwhbdt) — Canada
- [Collections & Recoveries Strategy Manager](https://feeny.ai/job/collections-recoveries-strategy-manager-koho-canada-85mdxx949k81) — Canada
- [Senior Product Designer](https://feeny.ai/job/senior-product-designer-koho-canada-5se3ha1sfz7q) — Canada
- [Manager/Senior Manager, Operational Risk & Controls](https://feeny.ai/job/manager-senior-manager-operational-risk-controls-koho-canada-mvt2apnxm2ac) — Canada