About the role: As a focus on best-in-class credit building products has been central to our success so far, we are seeking a leader who is skilled in developing and managing critical workflows to ensure our credit and banking products are functional, compliant, and meet the needs of our growing customer base. You will be working with serial entrepreneurs and seasoned colleagues who have built strong consumer brands and innovative products. We value ownership, clear communication, a strong sense of craftsmanship, the desire to create lasting work relationships, and are backed by some of Silicon Valley’s top VCs. We are in search of a Card Operations Manager with experience in card program management, payments, and back office operations to support and manage Kikoff’s secured credit card program. This team member will assist in executing operational enhancements, regulatory requirements, key vendor management including audits, and regular program monitoring. Over time, this role has the potential to become a compliance officer who would have broader scope of responsibilities.

What you'll do:

• Ensure effective program operations by working directly with our sponsor bank, processor, payment networks, card manufacturer, and other key vendors to monitor and enhance the card program. Manage optimal performance of vendors and address escalations as needed.

• Partner with our Product, Engineering, and Customer Success teams to tie together product features and functionality with operational workflows and customer experience needs.

• Oversee daily operations of the card program, including card issuance, transactions, funding and deposits, settlements, customer communications, account management and maintenance, and fraud and risk management.

• Oversight of chargeback/disputes process.

• Assist with monitoring program revenue (interchange/fees), expenses, and financial reconciliation.

• Monitor program and associated processes to ensure compliance with regulatory and partner bank requirements in multiple areas including Know Your Customer, OFAC/PEP, Regulation E/Z, BSA/AML, deposit processing, lending, and general compliance.

• Ensure the program operates in accordance with all applicable federal and state regulations, industry best practices, and internal policies.

• Manage all audit and compliance requirements from our partner bank and other key vendors, including audit remediation and required program updates.

• Create or update operational procedures to help grow the team and business while staying compliant with all partner and regulatory requirements.

• Working cross-functionally with Kikoff leadership, product, legal, and engineering teams as required.

• Establish and monitor key performance indicators, and identify areas for improvement.
  

Who you are:

• 2-5 years of experience in managing card programs, claims processing, and card operations in a fintech, bank, or credit union. Fintech and secured credit card experience is a plus.

• Experience with managing financial products, handling sensitive customer information, and navigating compliance and regulatory requirements.

• Knowledge of a variety of operations & customer support tools, processes, and best practices.

• Self directed, initiative taking, detail oriented, with the ability to work independently or cross functionally.

• Positive work attitude with a growth mindset; strong sense of ownership and team spirit.

Kikoff: A FinTech Unicorn Powering Financial Progress with AI
At Kikoff, our mission is to provide radically affordable financial tools to help consumers achieve financial security. We're a profitable, high growth FinTech unicorn serving millions of people, many of whom are building credit or navigating life paycheck to paycheck. With innovative technology and AI, we simplify credit building, reduce debt, and expand access to financial opportunities to those who need them the most. Founded in 2019, Kikoff is headquartered in San Francisco and backed by top-tier VC investors and NBA star Stephen Curry.

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.

💰 US salary range for this full-time position consists of base + equity + benefits

🏥 Medical, dental, and vision coverage - Kikoff covers the full cost of health insurance for the employee!

Visa sponsorship available: Kikoff is willing to provide sponsorship for H1-B visas and U.S. green cards for exceptional talent.

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.

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If you need reasonable accommodation for a job opening please connect with us at talent@kikoff.com and describe the specific accommodation requested for a disability-related limitation. Reasonable accommodations are modifications or adjustments to the application or hiring process that would enable you to fully participate in that process.

San Francisco Fair Chance Ordinance: Pursuant to the San Francisco Fair Chance Ordinance, Kikoff will consider for employment qualified applicants with arrest and conviction records.