Compliance Expert (FTC - 12 Months)

🏠 Getting a mortgage should feel simple, not stressful. That's why we built Habito by Monzo.

We combine smart technology with expert mortgage advisers to help people find the right mortgage, faster. It's personalised, straightforward, and completely free. Check out our protection guide and mortgage calculator.

And we're not stopping there. We're rethinking what buying a home can look like, building products and experiences that make every step easier. If you join us, you'll help shape what's next 

📍UK,London/Remote | 💰 £44,600-£50,000 depending on experience. 

We’re looking for a Compliance Expert! (Fixed Term Contract - 12 Months) 

Habito by Monzo is making it easier than ever to get a mortgage, with cutting-edge technology and a straightforward service that puts customers in control.

We’re looking for a Compliance Expert with excellent attention to detail, as part of our Compliance & Risk team.  Our Compliance & Risk team are responsible for providing oversight to the Habito by Monzo business and customer mortgage journey, ensuring adherence with Habito by Monzo and the FCA’s regulatory standards.  The successful candidate will be able to combine their existing compliance experience with the best technology and great teamwork to ensure  mortgage advice regulations and fair outcomes for our customers are met.

More about what you’ll do:

• Evaluating mortgage and protection journeys in line with Habito by Monzo policy and external regulations to ensure appropriate compliance
• Providing technical compliance advice and guidance to our Mortgage Expert, Case Management, Lending and Insurance teams
• Providing regular support and guidance to the wider business 
• Providing case specific feedback to the Mortgage & Protection Expert teams around file review findings
• Providing independent and accurate reporting of Habito by Monzo's compliance landscape
• Conducting compliance monitoring of the first line and second line
• Supporting risk and compliance assessments including thematic reviews and targeted deep dives
• Assist with the documentation, implementation and streamlining of procedures and processes
• Conduct due diligence on customers, partners, and suppliers, ensuring robust oversight of both regulatory and data protection risks.
• Monitor third-party data processors and ensure contracts include appropriate data protection clauses.
• Developing and maintaining a communication programme to ensure all stakeholders are fully trained and aware of relevant risks and related requirements and responsibilities 
• Conducting root cause analysis of compliance issues that arise, considering the regulatory, commercial and reputational impacts
• Support projects and change initiatives relating to SMCR, Consumer Duty, conflicts of interest, regulatory reporting, data protection compliance, and records retention.

You’ll have:

• A strong understanding of the compliance disciplines, FCA principles and data protection
• A good working knowledge of the end-to-end mortgage process is preferred, but not essential. 
• Demonstrable experience in operating in environments where compliance frameworks are followed 
• Able to deliver in a fast paced and demanding environment 
• An attention to detail, with a methodical and organised approach
• Good communication and stakeholder management skills
• Self-motivation and prepared to take responsibility and ownership of tasks
• The ability to prioritise to meet tight deadlines
• Hard working, tenacity and a focused mind set
• The ability to work independently, using their initiative and work as part of a wider team
• The ability to comfortably handle change and in a fast-evolving environment

 **The stated experience level is a guide and does not preclude applications from  candidates with more or less experience, provided the requisite skills can be demonstrated

If youwant to be part of a team whose driving purpose is to make mortgages easier, we’d love to hear from you

The benefits

• Competitive basic salary + discretionary bonus (company performance dependent)
• Remote-first working
• Flexible holiday - 25 days holiday and more if you need it! (this is team dependent)
• Life assurance - 4 x your annual salary
• Career progression - we help you build your career
• Contributory pension scheme - We have an ethical pension fund, but you can decide where you put your money
• International remote working for up to 20 days a year
• Volunteering - 2 days paid volunteering each year for charity of your choice
• Sick pay - up to 5 days sick covered each year
• Casual dress
• GAYE - Give As You Earn - donate to a charity of your choice via payroll.  

More about Habito by Monzo

Obtaining a mortgage shouldn’t be stressful. That’s why we built Habito.

We use breakthrough technology and top tier experts to deliver the most personalised, fast and convenient way to get a mortgage today. All for free.

We don’t stop at mortgages, either. Together we’re building whole new ways of buying and owning your home. At Habito by Monzo, you’ll be a vital part of that future.

We want to hear from everyone

The creative brilliance and ingenuity at Habito by Monzo wouldn’t be possible without a diverse team bringing different perspectives, experience and skills together.

If you feel you can do the job, we’d like to hear from you, no matter what your background or qualifications.

We want to foster a culture where everybody feels included, heard, and equal – regardless of age, disability, gender, marital or parental status, race, religion or belief, sex or sexual orientation.

#LI-NZ1

The best ideas come from people with different backgrounds, experiences, and perspectives. That's why we're building a team where everyone feels welcome and can do their best work.

If you're excited about this role but don't meet every requirement, we'd still love to hear from you. You might be exactly who we're looking for.

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 😊