Compliance Advisory Manager

• Serve as the first point of contact for compliance advice across Monzo's Retail and Business Borrowing propositions including Flex, Loans, Overdrafts, Business Lending, and Homeownership. • Provide clear, proactive compliance advice to the Borrowing squad, with a strong focus on FCA CONC and Consumer Duty rules. • Review customer journeys and communications to help the business deliver good customer outcomes and flag any compliance risks. • Advise Marketing and Financial Promotion teams on financial promotion rules and regulatory guidance. • Oversee regulatory breaches and incidents relating to Borrowing activity. • Build strong cross-functional relationships to ensure products are compliant by design and customer needs are met.

• Know the FCA Consumer Duty and CONC rules inside out. • Have hands-on experience advising on Borrowing products, ideally from a bank, insurer, or fintech. • Be a great communicator and problem-solver, skilled at weighing risks and finding balanced, practical solutions. • Be able to work independently and manage shifting priorities in a fast-paced environment. • Have strong relationship-building skills across diverse teams and stakeholders. • Be passionate about compliance and excited about the future of banking.

• Have experience working within a second line of defence (2LoD) compliance function. • Have familiarity with Homeownership or mortgage-related compliance requirements. • Have experience advising on financial promotions rules and FCA marketing guidance. • Have experience overseeing regulatory breach and incident management processes.

• Act as the primary compliance advisor for the Borrowing Collective across all retail and business lending products. • Provide proactive, hands-on compliance advice on CONC, Consumer Duty, and related FCA regulations. • Review and assess customer journeys and communications for compliance risk and good customer outcomes. • Support Marketing and Financial Promotion teams on financial promotion rules. • Monitor and oversee regulatory breaches and incidents within the Borrowing remit. • Expand compliance support to Homeownership and additional Borrowing areas over time. • Report directly to the Head of Compliance Advisory and contribute to the wider Risk and Compliance Collective.

We have been Monzo customers for years and have always loved their beautiful, simple app UI. We believe their product has a positive impact on millions of customers, motivating them to be more conservative with their spending and helping them save money. Monzo, as a company, has consistently grown over the past 10 years and is known for its strong company culture, generous benefits, and leadership that strives to be truly transparent and cares about its colleagues. It is a company that helps you advance your career and grow as a professional, working with great teams. If you like to join a thriving, upcoming bank and help millions of customers lead a financially sound life, Monzo gives you the opportunity to push ahead.

• Earn £59,500–£70,000 depending on experience, plus incentive awards tied to performance. • Work fully remotely from anywhere in the UK, with ad hoc meetings in London or Cardiff. • Enjoy flexible working hours with trust to work in a way that suits you and your team. • Access a £1,000 annual learning budget for books, training courses, and conferences. • Join a compliance team that values pragmatism, collaboration, and doing the right thing for customers.

Monzo is on a mission to make money work for everyone — building a bank that is fair, transparent, and a delight to use. The Compliance Advisory team operates as the second line of defence within Monzo's Risk and Compliance Collective, ensuring products are compliant by design and customers receive genuinely good outcomes. This role focuses on the Borrowing Collective, covering Flex, Loans, Overdrafts, Business Lending, and Homeownership.