Senior Risk & Compliance Officer

About the role

Monzo is looking for a Senior Risk & Compliance Officer to lead risk management and regulatory compliance for its Spanish branch. You will embed Monzo’s Risk Management Framework in Spain, monitor material risks and support interactions with the Banco de España.

Key responsibilities

• Implement and maintain the Risk Management Framework for the Spain branch.
• Monitor operational, conduct, credit, ICT/security, and business risks.
• Provide independent oversight and advice to the Branch Manager.
• Act as the branch’s Customer Service Representative under article 5 of Order ECO/734/2004.
• Serve as Deputy Money‑Laundering Reporting Officer, supporting AML/CFT compliance.
• Ensure adherence to Central Bank of Ireland Fitness and Probity Standards for a Controlled Function.

Required profile

• Proven experience in risk management, compliance or regulatory roles within banking or financial services.
• Strong understanding of Spanish banking regulations and the Banco de España.
• Ability to work independently while collaborating with EU Risk Directors.
• Excellent analytical and communication skills.

Required skills

• Knowledge of Anti‑Money Laundering (AML) and Counter‑Funding of Terrorism (CFT) regulations.
• Familiarity with risk assessment methodologies and governance frameworks.

What we offer

• Competitive salary €75,000‑€95,000 plus performance‑based incentive awards.
• Comprehensive benefits package.
• Opportunity to shape risk and compliance strategy in a fast‑growing fintech.