Head Of Compliance Jobs in USA with Visa Sponsorship
Head of Compliance roles attract H-1B visa and O-1 visa sponsorship from banks, fintechs, and healthcare systems that need permanent regulatory oversight. Most positions require a law degree or a bachelor's in finance with substantial compliance experience, qualifying as a specialty occupation under USCIS standards. For detailed occupation requirements, see the O*NET profile.
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Get Access To All JobsKikoff: The Fintech Powering Financial Security at Scale
Kikoff is a profitable, pre-IPO fintech company on a mission to empower everyone to achieve financial security. With record revenue growth in 2025 and a unicorn valuation, we've built a suite of products that help millions of people build credit, access liquidity, and save money.
We're scaling fast. Join us if you want to build something meaningful and help millions of people move forward financially.
Why Kikoff:
This is a consumer fintech startup, and you will be working with serial entrepreneurs who have built strong consumer brands and innovative products. We value extreme ownership, clear communication, a strong sense of craftsmanship, and the desire to create lasting work and work relationships. Yes, you can build an exciting business AND have real-life real-customer impact.
The Role
Kikoff is seeking a Head of Consumer Compliance to lead and own our consumer protection compliance program. This is a senior leadership role responsible for ensuring that Kikoff's products, practices, and customer-facing operations meet all applicable federal and state consumer financial laws and regulations. A key component of this role is owning the day-to-day compliance relationship with our bank partners, serving as the primary liaison for compliance-related matters, program reviews, and examinations.
The ideal candidate is a seasoned compliance professional with deep consumer finance expertise, strong regulatory instincts, and the ability to operate effectively across product, legal, operations, and banking partner teams. You'll be expected to work across products including lines of credit, deposit products, and more.
What You'll Do
- Own and continuously enhance Kikoff's consumer compliance management system (CMS), including policies, procedures, monitoring, testing, and training.
- Serve as the primary compliance point of contact for Kikoff's bank partners, managing ongoing compliance reporting, program reviews, audit requests, and escalations.
- Ensure compliance with federal consumer financial laws including TILA, ECOA, FCRA, EFTA, UDAP/UDAAP, SCRA, MLA, and applicable state EWA and consumer protection statutes.
- Partner closely with product and engineering teams to review new products, features, and marketing materials for consumer compliance risk prior to launch.
- Lead and manage the complaints management program, ensuring timely resolution, root cause analysis, and escalation of trends to senior leadership and bank partners.
- Oversee consumer-facing disclosures, terms of service, and adverse action notices to ensure accuracy and regulatory compliance.
- Design and execute the compliance monitoring and testing program, identifying gaps and working cross-functionally to remediate issues.
- Prepare and present compliance program updates, risk assessments, and key metrics to senior leadership, the board, and bank partners.
- Manage and respond to regulatory inquiries, examinations, and audits from bank partners, the CFPB, and state regulators.
- Build and develop a team of consumer compliance professionals, setting clear expectations and fostering a culture of accountability and continuous improvement.
- Monitor regulatory developments — particularly from the CFPB, state regulators, and the courts — and proactively translate them into actionable guidance for the business.
What We're Looking For
- 8+ years of consumer compliance experience in financial services, with at least 3 years in a leadership role at a bank, FinTech, or financial services company.
- Experience at a technology-driven company in high-growth mode.
- Deep knowledge of federal consumer financial laws and regulations, including TILA, ECOA, FCRA, EFTA, UDAP/UDAAP, and applicable state consumer protection laws.
- Proven experience managing bank partner compliance relationships, including audit responses, program reviews, and ongoing reporting obligations.
- Strong understanding of CMS frameworks and best practices, including risk assessment, monitoring, testing, and training.
- Experience working within or alongside bank partnership (BaaS) models and a clear understanding of shared compliance responsibilities between FinTechs and their sponsor banks.
- Track record of partnering effectively with product and engineering teams to embed compliance requirements early in the development process.
- Experience managing regulatory examinations and responding to inquiries from the CFPB, state regulators, or bank oversight teams.
- Excellent written and verbal communication skills, with the ability to distill complex regulatory requirements into clear guidance for non-compliance audiences.
- CRCM or equivalent certification strongly preferred.
- Genuine commitment to Kikoff's mission of expanding financial access and opportunity for underserved consumers.
Nice to Have
- Experience at a financial regulator.
- Experience with consumer lending, credit building, earned wage access, or prepaid product compliance.
- Experience at a public company.
- Familiarity with AI-driven decisioning models and the associated fair lending and UDAAP considerations.
- Prior experience supporting state licensing, money transmission compliance, or multi-state regulatory frameworks.
Base Range
$182,000 - $280,000 USD
Equal Employment Opportunity Statement
Kikoff Inc. is an equal opportunity employer. We are committed to complying with all federal, state, and local laws providing equal employment opportunities and considers qualified applicants without regard to race, color, religion, creed, gender, national origin, age, disability, veteran status, marital status, pregnancy, sex, gender expression or identity, sexual orientation, citizenship, or any other legally protected class.
Kikoff: The Fintech Powering Financial Security at Scale
Kikoff is a profitable, pre-IPO fintech company on a mission to empower everyone to achieve financial security. With record revenue growth in 2025 and a unicorn valuation, we've built a suite of products that help millions of people build credit, access liquidity, and save money.
We're scaling fast. Join us if you want to build something meaningful and help millions of people move forward financially.
Why Kikoff:
This is a consumer fintech startup, and you will be working with serial entrepreneurs who have built strong consumer brands and innovative products. We value extreme ownership, clear communication, a strong sense of craftsmanship, and the desire to create lasting work and work relationships. Yes, you can build an exciting business AND have real-life real-customer impact.
The Role
Kikoff is seeking a Head of Consumer Compliance to lead and own our consumer protection compliance program. This is a senior leadership role responsible for ensuring that Kikoff's products, practices, and customer-facing operations meet all applicable federal and state consumer financial laws and regulations. A key component of this role is owning the day-to-day compliance relationship with our bank partners, serving as the primary liaison for compliance-related matters, program reviews, and examinations.
The ideal candidate is a seasoned compliance professional with deep consumer finance expertise, strong regulatory instincts, and the ability to operate effectively across product, legal, operations, and banking partner teams. You'll be expected to work across products including lines of credit, deposit products, and more.
What You'll Do
- Own and continuously enhance Kikoff's consumer compliance management system (CMS), including policies, procedures, monitoring, testing, and training.
- Serve as the primary compliance point of contact for Kikoff's bank partners, managing ongoing compliance reporting, program reviews, audit requests, and escalations.
- Ensure compliance with federal consumer financial laws including TILA, ECOA, FCRA, EFTA, UDAP/UDAAP, SCRA, MLA, and applicable state EWA and consumer protection statutes.
- Partner closely with product and engineering teams to review new products, features, and marketing materials for consumer compliance risk prior to launch.
- Lead and manage the complaints management program, ensuring timely resolution, root cause analysis, and escalation of trends to senior leadership and bank partners.
- Oversee consumer-facing disclosures, terms of service, and adverse action notices to ensure accuracy and regulatory compliance.
- Design and execute the compliance monitoring and testing program, identifying gaps and working cross-functionally to remediate issues.
- Prepare and present compliance program updates, risk assessments, and key metrics to senior leadership, the board, and bank partners.
- Manage and respond to regulatory inquiries, examinations, and audits from bank partners, the CFPB, and state regulators.
- Build and develop a team of consumer compliance professionals, setting clear expectations and fostering a culture of accountability and continuous improvement.
- Monitor regulatory developments — particularly from the CFPB, state regulators, and the courts — and proactively translate them into actionable guidance for the business.
What We're Looking For
- 8+ years of consumer compliance experience in financial services, with at least 3 years in a leadership role at a bank, FinTech, or financial services company.
- Experience at a technology-driven company in high-growth mode.
- Deep knowledge of federal consumer financial laws and regulations, including TILA, ECOA, FCRA, EFTA, UDAP/UDAAP, and applicable state consumer protection laws.
- Proven experience managing bank partner compliance relationships, including audit responses, program reviews, and ongoing reporting obligations.
- Strong understanding of CMS frameworks and best practices, including risk assessment, monitoring, testing, and training.
- Experience working within or alongside bank partnership (BaaS) models and a clear understanding of shared compliance responsibilities between FinTechs and their sponsor banks.
- Track record of partnering effectively with product and engineering teams to embed compliance requirements early in the development process.
- Experience managing regulatory examinations and responding to inquiries from the CFPB, state regulators, or bank oversight teams.
- Excellent written and verbal communication skills, with the ability to distill complex regulatory requirements into clear guidance for non-compliance audiences.
- CRCM or equivalent certification strongly preferred.
- Genuine commitment to Kikoff's mission of expanding financial access and opportunity for underserved consumers.
Nice to Have
- Experience at a financial regulator.
- Experience with consumer lending, credit building, earned wage access, or prepaid product compliance.
- Experience at a public company.
- Familiarity with AI-driven decisioning models and the associated fair lending and UDAAP considerations.
- Prior experience supporting state licensing, money transmission compliance, or multi-state regulatory frameworks.
Base Range
$182,000 - $280,000 USD
Equal Employment Opportunity Statement
Kikoff Inc. is an equal opportunity employer. We are committed to complying with all federal, state, and local laws providing equal employment opportunities and considers qualified applicants without regard to race, color, religion, creed, gender, national origin, age, disability, veteran status, marital status, pregnancy, sex, gender expression or identity, sexual orientation, citizenship, or any other legally protected class.
See all 2,156+ Head Of Compliance Jobs
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Get Access To All JobsTips for Finding Head Of Compliance Jobs
Target regulated industries first
Banks, insurance carriers, healthcare systems, and publicly traded companies maintain dedicated compliance functions and sponsor visas regularly. These employers have established immigration infrastructure, making the sponsorship process faster and less uncertain than approaching smaller or unregulated firms.
Clarify your degree and experience match
USCIS requires that your degree field directly relates to compliance work. A law degree, finance degree, or accounting background strengthens your specialty occupation claim. Mismatches between your credential and the role's regulatory focus are among the most common denial reasons for this title.
Emphasize domain-specific expertise
Compliance is broad. Specifying your focus area, whether AML, SOX, HIPAA, or SEC regulations, signals to employers that you fill a precise gap. Niche expertise makes sponsorship easier to justify internally and strengthens the specialty occupation argument with USCIS during the H-1B petition.
Ask about sponsorship policy early
Many employers sponsor selectively, often only for senior or hard-to-fill roles. Raising sponsorship in the first or second interview round avoids investing weeks in a process that stalls. Phrasing it as confirming their experience with the process lands better than asking for a commitment upfront.
Understand the LCA requirement
Before your H-1B petition is filed, your employer must submit a Labor Condition Application certifying your offered compensation meets prevailing wage levels for compliance roles in your location. This step is the employer's responsibility, but understanding it helps you verify the process is moving correctly.
Build a compliance credentials portfolio
Certifications like CAMS, CCEP, or a FINRA license reinforce your specialty occupation case and differentiate you from generalist candidates. Employers evaluating sponsorship investment prefer candidates whose credentials reduce the risk of a USCIS Request for Evidence slowing down the hiring timeline significantly.
Frequently Asked Questions
Can a Head of Compliance role qualify for H-1B sponsorship?
Yes, Head of Compliance roles generally qualify as specialty occupations because they require at least a bachelor's degree in a specific field such as law, finance, or accounting. USCIS scrutinizes compliance titles more than technical roles, so your petition is stronger when the job description specifies a required degree field rather than listing it as preferred.
Which visa types do employers use to sponsor compliance leaders?
H-1B visa is the most common path. Candidates with a track record of senior leadership, published regulatory guidance, or significant industry recognition may qualify for the O-1A, which has no lottery and no annual cap. Australians can pursue the E-3 visa as an alternative to the H-1B, which also bypasses the lottery. Browse current openings on Migrate Mate to find employers already familiar with these pathways.
Does my degree field need to match compliance specifically?
USCIS requires a logical connection between your degree and the compliance role. A JD, a finance degree, or a business degree with a regulatory concentration all support the specialty occupation claim well. A degree in an unrelated field, such as communications or liberal arts, makes the petition harder to sustain unless you have substantial post-degree compliance credentials that bridge the gap.
How likely is USCIS to issue a Request for Evidence for this role?
Compliance titles receive RFEs more frequently than software engineering or scientific roles because USCIS sometimes questions whether a specific degree is always required, versus preferred. Employers with experienced immigration counsel who draft detailed specialty occupation support letters significantly reduce RFE risk. Choosing an employer with a prior record of successful compliance sponsorships matters more than most candidates realize.
Are Head of Compliance roles typically cap-exempt for H-1B purposes?
Most are not. Positions at for-profit banks, fintechs, insurance companies, and publicly traded corporations are cap-subject, meaning they enter the H-1B lottery. Cap-exempt status applies when the employer is a nonprofit research institution, university, or government research organization. Senior compliance roles at hospital systems affiliated with teaching universities may qualify, but this requires employer-specific legal confirmation.
What is the prevailing wage requirement for sponsored Head Of Compliance jobs?
U.S. employers sponsoring a visa must pay at least the prevailing wage, which is what workers in the same role, area, and experience level typically earn. The Department of Labor sets this rate to make sure companies aren't hiring foreign workers simply because they'd accept lower pay than a U.S. worker. It varies by job title, location, and experience. You can look up current prevailing wage rates for any occupation and location using the OFLC Wage Search page.