Chief Compliance Officer (Chief AML Officer and Chief Privacy Officer)

Responsibilities

• Regulatory Compliance Leadership
• Develop and implement a compliance management program aligned with OSFI's Regulatory Compliance Management (RCM) Framework and banking industry standards.
• Provide regular compliance reporting to the CEO, Board, and regulators.
• Lead interactions with OSFI, FINTRAC, FCAC, privacy commissioners, and other regulatory bodies.
• Privacy Oversight
• Lead KOHO's Privacy Program , ensuring compliance with PIPEDA and applicable provincial laws.
• Implement privacy impact assessments for new products and initiatives.
• Maintain breach response protocols, incident reporting, and privacy training programs.
• AML Oversight
• Lead KOHO's AML program as CAMLO, ensuring compliance with the PCMLFTA and other applicable regulations and regulatory guidance.
• Working closely with the head of the FIU on matters related to AML.
• Parent-Subsidiary Relationship Management
• Define clear compliance responsibilities between the bank and KOHO Financial Inc.
• Formalize service level agreements for compliance-related services from KOHO.
• Maintain regulatory independence while leveraging parent company resources responsibly.
• Regulatory Relations
• Oversee implementation and monitoring of compliance with key regulatory guidelines across all banking operations.
• Manage the relationship with all regulators as expected of a CCO / CAMLO / CPO.
• Identify emerging regulatory trends and develop implementation strategies.
• Compliance Team Development
• Build and lead a high-performing compliance and privacy team that scales with growth.
• Develop robust training programs for bank staff and leadership.
• Foster a strong risk and compliance culture across the organization.
• Risk Assessment & Mitigation
• Conduct regular compliance, AML and privacy risk assessments across operations.
• Develop and execute mitigation strategies for identified vulnerabilities.
• Establish early warning indicators for potential compliance or privacy issues.
• Coordinate with Risk Management and Internal Audit for integrated oversight.

Requirements

• You have 10+ years of experience in financial services compliance, including at least 5 years in a leadership role.
• You have a strong understanding of OSFI's RCM Framework and deep expertise in Canadian regulatory requirements, including AML, Privacy and other applicable federal or provincial legislation.
• You've worked in regulated fintech, neobank, or direct-to-consumer financial institutions.
• You've successfully led compliance programs through periods of rapid growth and regulatory scrutiny.
• You're a strong communicator and a credible voice with regulators, executives, and board members.
• You combine a strategic mindset with a hands-on, practical approach to execution.
• You're passionate about innovation, inclusion, and empowering financial wellness.
• The budgeted base salary range for this role is $280,000-$320,000CAD / 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 m

Benefits

Additional Information

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. KOHO Bank and KOHO Tech About This Role Reporting to the Bank CEO as KOHO's Chief Compliance Officer, Chief AML Officer, and Chief Privacy Officer, you will lead and evolve our compliance program to meet and exceed regulatory obligations while enabling innovation and customer impact. In this hands-on leadership role, you will oversee regulatory relationships, internal compliance strategy, and operational risk management frameworks, establishing and maintaining the bank's regulatory compliance, AML, and privacy programs in alignment with federal and provincial legislation, OSFI guidelines, banking regulations, and applicable AML and Privacy legislation. You'll leverage deep compliance expertise and a strong understanding of relevant regulatory requirements-while partnering cross-functionally across product, legal, risk, operations, and engineering to support safe and sustainable business growth.

Your Match

How well this role fits your profile.

Company Intel

What employees say

Worked at koho? Share your experience