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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.
Kikoff exists to help millions of people build credit. That only works if they trust us with their financial data. This role owns the Data Security pillar at Kikoff: how data is classified, accessed, encrypted, moved, and audited across our entire stack.
You will own and dictate the data security roadmap. You define the strategy, sequence the work, and drive it to done. Your work will be felt by every engineer at Kikoff and every customer we serve, and it will shape how we handle sensitive data as we scale.
In This Role, You WillOwn the Pillar- Own the data security roadmap end to end: classification, access controls, encryption, tokenization, and data flow security across AWS, Snowflake, and our internal pipelines.
- Set the strategy for how humans, services, and AI agents access sensitive data. You decide what good looks like and build towards it.
- Drive least-privilege access at scale, including brokered access patterns for our data warehouse and production databases rather than standing credentials.
- Design and ship tokenization and field-level protection for our most sensitive data
- Build column-level and role-based access controls across Snowflake and RDS, with audit visibility into who touched what and why
- Secure data flows between cloud storage, pipelines, and application services so the secure path is the default path
- Define and enforce access controls for AI agents to guarantee least privilege permissions and proper audibility.
- Build audit logging and data access monitoring that holds up in front of auditors and regulators, not just dashboards
- Support data mapping and privacy engineering work for new markets and regulatory regimes (GLBA, LGPD, state privacy laws)
- Partner with Legal and Compliance on data handling requirements, and translate them into infrastructure, not policy docs
- Give engineers paved roads for handling sensitive data: reusable patterns, clear guidance, fast answers
- Threat model new data flows before they ship, not after
- 6+ years in security engineering with deep, hands-on data security experience: encryption, tokenization, access control design, key management
- Strong command of AWS security primitives (IAM, KMS, S3 security, VPC controls)
- Experience securing a modern data stack: Snowflake or a comparable warehouse, plus relational databases in production
- You've designed and shipped access control systems, not just configured them. Row/column-level security, ABAC/RBAC, access brokering
- Fluency in at least one language for automation (Python, Go, Ruby, or similar)
- Comfortable in a regulated environment
- Hands-on with infrastructure-as-code (Terraform or Pulumi)
- Experience securing data access for AI/LLM systems and agentic workloads
- Tokenization at scale in fintech or payments
- Audit logging and data access monitoring you built yourself, not bought
- Privacy engineering depth: data mapping, retention, deletion pipelines, cross-border transfer controls
- Consumer fintech or financial services background
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.
Please reference the following for more information.
Skills Required
- 6+ years of security engineering experience with deep hands-on data security experience
- Experience with encryption, tokenization, access control design, and key management
- Strong command of AWS security primitives, including IAM, KMS, S3 security, and VPC controls
- Experience securing Snowflake or a comparable data warehouse and relational databases in production
- Experience designing and shipping access control systems, including row- or column-level security, ABAC/RBAC, and access brokering
- Fluency in at least one automation language, such as Python, Go, or Ruby
- Experience working in a regulated environment
- Hands-on experience with infrastructure as code using Terraform or Pulumi
- Experience securing data access for AI/LLM systems and agentic workloads
- Tokenization at scale in fintech or payments
- Experience building audit logging and data access monitoring systems
- Privacy engineering experience, including data mapping, retention, deletion pipelines, and cross-border transfer controls
- Consumer fintech or financial services experience
Kikoff Compensation & Benefits Highlights
The following summarizes recurring compensation and benefits themes identified from responses generated by popular LLMs to common candidate questions about Kikoff and has not been reviewed or approved by Kikoff.
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Healthcare Strength — Employer-paid employee medical, dental, and vision premiums are highlighted across postings and benefits pages. This materially lowers out-of-pocket costs and signals strong core coverage.
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Wellbeing & Lifestyle Benefits — Daily meals, snacks, fitness benefits, and substantial commuter support are prominently offered. These perks can meaningfully enhance day-to-day experience, especially for in-office or hybrid roles.
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Retirement Support — A 401(k) with company matching is included in the package. The presence of matching adds long-term financial value even as specific formulas are not publicly detailed.
Kikoff Insights
What We Do
Kikoff is a personal finance platform that offers the simplest credit-building solution out there: $0 fees, 0% interest, and no credit pull. Your credit score is the foundation of your financial health – yet most people don’t have the credit score they deserve. That’s why Kikoff built the most accessible and affordable credit-building solution – it’s also the fastest growing and the top-rated credit building mobile app. Kikoff works whether you’re new to credit or looking for an extra boost. Building credit is just the start; Kikoff is building a personal finance platform designed to help consumers achieve financial wellness. Driven by the co-founders’ and team’s personal experiences, Kikoff’s mission is to provide refreshingly fair, effective, and simple pathways to meet your financial goals. Kikoff is a Series B company and has raised over $42 million in total funding. Investors include Portage Ventures, Lightspeed Venture Partners, GGV, Coatue, Core Innovation Capital, and basketball star Stephen Curry. Kikoff was founded in 2019 and is headquartered in San Francisco, California.
Why Work With Us
We are building an organization that maximizes growth and learning; we are invested in helping you grow and achieve what you want in your career. Our principles include a bias towards action, work in public, first principles thinking, intellectual honesty and extreme ownership.
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