Compliance Advisory Manager - Investments, Pensions & Financial Promotions

We’re waving goodbye to the complicated and confusing ways of traditional banking.

After starting as a prepaid card, our product offering has grown a lot in the last 10 years in the UK. As well as personal and business bank accounts, we offer joint accounts, accounts for 16-17 year olds, a free kids account and credit cards in the UK, with more exciting things to come beyond. Our UK customers can also save, invest and combine their pensions with us. 

With our hot coral cards and get-paid-early feature, combined with financial education on social media and our award winning customer service, we have a long history of creating magical moments for our customers!

We’re not about selling products - we want to solve problems and change lives through Monzo ❤️

📍London, Cardiff or Remote | 💰 £59,500 - £70,000 (depending on experience) + Incentive Awards tied to your performance + Benefits 

We’re looking for a Compliance Advisory Manager to join our second line of defence (2LoD). We’re looking for a pragmatic and collaborative compliance manager with good knowledge of FCA COBS rules and associated regulations as well as hands-on experience of providing compliance advice. You must also be passionate about Monzo's mission to make money work for everyone.

This role reports directly to Monzo’s Senior Compliance Advisory Manager. The team is responsible for advising the following teams:

• the Wealth Collective - covering Savings, Investments, Pensions & Insurance
• the Growth & Marketing Collective - incl. Brand Campaigns, events & sponsorship 
• MonzOS - covering the Monzo-wide platform experience, incl. incorporating AI

This role will have day-to-day responsibility for advising on compliance matters across all three collectives, but we’re specifically looking for someone with previous knowledge and experience so that they can independently lead on advising the Investments and Pensions squads within the Wealth Collective. The expectation will be to upskill across all areas over time. 

At Monzo we do things differently: we truly care about providing a phenomenal experience for our customers. We believe there’s a better way to do banking, and we want to be the best possible bank without getting stuck in the old ways of doing things. We operate a “three lines of defence” model of risk management at Monzo: you’ll be working in 2LoD as part of our Risk and Compliance Collective, in the Compliance Team.

• Being the first point of contact for compliance advice, initially for the Wealth Collective but expanding to Growth & Marketing and MonzOS over  time.
• Providing clear and proactive compliance advice, especially on COBS, PROD, SDR, CASS and Consumer Duty.
• Reviewing customer journeys and communications to help the business deliver good customer outcomes, and flagging any risks.
• Advising Marketing and Financial Promotion teams on financial promotion rules and guidance.
• Overseeing regulatory breaches and incidents as part of the team.
• Learning about the wider Collectives the team supports with the aim to expand your knowledge to proactively support more areas in future.

This role requires strong communication & collaboration skills with a ‘ hands-on ’ approach, to ensure that regulations are fully understood, our products are ‘compliant by design’ and our customers' needs are being met.

• You know the Consumer Duty and COBS rules inside out
• You've got hands-on experience advising on products ideally from working at a bank, wealth manager, or fintech.
• You’re already incorporating AI into your day-to-day work
• You like to be where the action is and thrive in fast paced environments.
• You're a great communicator and problem-solver, good at weighing risks and finding balanced solutions.
• You can work independently and juggle changing priorities.
• You're good at building strong relationships with different teams.
• You're passionate about compliance and excited about the future of banking!

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. At Monzo, we’re dedicated to creating a diverse and welcoming team. If you’re passionate about this role and keen to learn and grow with us, 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!

💰£59,500 - £70,000  ➕ Incentive Awards tied to your performance.

📍This role can be based in our London office, but we're open to distributed working within the UK (with ad hoc meetings in London)

⏰We offer flexible working hours and trust you to work enough hours to do your job well, and at times that suit you and your team. 

📚£1,000 learning budget each year to use on books, training courses and conferences.

🏡 We will set you up to work from home; all employees are given Macbooks and for fully remote workers we will provide extra support for your work-from-home setup.

➕ Plus lots more! Read our full list of benefits.

• Recruiter call
• Initial call with the hiring manager
• Role specific interview
• Behavioural interview

Diversity and inclusion are a priority for us and we’re making sure we have lots of support for all of our people to grow at Monzo. At Monzo, we’re embracing diversity by fostering an inclusive environment for all people to do the best work of their lives with us. This is integral to our mission of making money work for everyone. You can read more in our blog, 2026 Diversity and Inclusion Report and 2025 Gender Pay Gap Report.

We’re an equal opportunity employer. All applicants will be considered for employment without attention to age, ethnicity, religion, sex, sexual orientation, gender identity, family or parental status, national origin, or veteran, neurodiversity or disability status.

If you have a preferred name, please use it to apply. We don't need full or birth names at application stage 😊