Senior Risk & Compliance Officer

Join Monzo Bank Europe as a Senior Risk & Compliance Officer for the Spanish Branch. In this role, you will implement Monzo's Risk Management Framework, monitor key material risks, and support regulatory engagements. You will act as a trusted advisor to the Spain Branch Manager and maintain strict functional independence. This position offers a competitive salary, flexible working hours, and various benefits including health insurance, a learning budget, and a pension scheme.

• Implement Monzo’s Risk Management Framework in Spain, monitor the Branch’s key material risks, and support regulatory engagements.
• Act as a trusted advisor to the Spain Branch Manager, providing independent oversight, challenge, and advice across a broad spectrum of risks.
• Establish and embed a robust risk and compliance culture within the Spanish branch, monitoring and interpreting local regulatory updates.

• You have a minimum of 7 years of experience in Risk Management, Compliance or Internal Audit within a regulated retail bank, digital bank, or top-tier fintech operating in Spain
• You have a deep understanding of Banco de España regulations and broader EBA/ECB regulatory requirements (CRD V, PSD2/3, GDPR, DORA, AML/CFT)
• You are a self-starter mentality comfortable with a matrix reporting structure. Ability to challenge senior executives constructively while maintaining a collaborative, solution-oriented approach to scaling a business
• You have a proven experience in working with regulatory authorities and managing compliance-related audits
• You are a native or completely bilingual Spanish speaker with excellent professional proficiency in English (written and spoken), capable of translating complex local regulations into corporate/Group updates
• You are passionate about financial technology and motivated by the opportunity to be at the forefront of banking transformation in the EU
• You have demonstrated experience managing or overseeing multiple risk types, with specific expertise in Operational Risk, ICT/Security Risk, Conduct risk, Compliance Risk and basic Credit Portfolio Quality reviews
• Not ticking every box? That’s totally okay! Studies show that women and people of colour might hesitate to apply unless they meet every single requirement. We encourage you to apply— even if you don’t have everything that's listed just yet. Drop us your application, we’d love to hear from you!