Senior Risk & Compliance Officer

📋 Description

• Oversee risk management and compliance for the Spain branch.
• Implement Monzo’s Risk Management Framework in Spain.
• Monitor operational, conduct and compliance risks.
• Support regulatory engagements with Banco de España.
• Deputy MLRO for Spain; oversee AML/CFT compliance.
• Provide independent risk oversight and advisory to the Branch Manager.

🎯 Requirements

• 7+ years in Risk, Compliance or Internal Audit in regulated banks/fintechs.
• Deep knowledge of Banco de España regs; CRD V, PSD2/3, GDPR, DORA.
• Regulator engagement and compliance audit experience.
• Experience overseeing Operational, ICT/Security, Conduct, and Credit risk.
• Native/bilingual Spanish with strong English.
• Self-starter in matrix orgs; able to challenge senior execs.

🎁 Benefits

• Hybrid work: Madrid base; occasional travel to Dublin/London.
• 38 days annual leave including public holidays.
• €1,200 learning budget per year.
• Private healthcare and wellbeing benefits.
• Flexible hours and supportive team culture.