Senior Risk & Compliance Officer

📋 Description

• Oversee risk management and compliance for Monzo's Spanish Branch.
• Implement Spain's Risk Management Framework; monitor key risks.
• Support regulatory engagements, notably with Banco de España.
• Provide independent oversight across Credit, Operational, ICT/Security and Conduct risks.
• Act as Deputy MLRO for Spain and support AML/CFT compliance.
• Lead 2LOD governance, risk reporting and MI for Spanish operations.

🎯 Requirements

• 7+ years in Risk, Compliance or Internal Audit in Spain
• Deep knowledge of Banco de España rules and EBA/ECB regs (CRD V, PSD2, GDPR, DORA, AML/CFT)
• Experience with regulatory authorities and audits
• Expertise across Operational, ICT/Security, Conduct and Compliance risks
• Bilingual: Spanish native with strong English
• Self-starter with matrix reporting; ability to challenge senior executives

🎁 Benefits

• Hybrid work model; Barcelona base; travel to Dublin/London
• 38 days annual leave
• €1,200 learning budget per year
• Private healthcare
• Wellbeing and mental health support
• Flexible working hours