Senior Risk & Compliance Officer

Monzo is seeking a Senior Risk & Compliance Officer to oversee risk management and compliance activities for the Spanish Branch of Monzo Bank Europe located in Barcelona. In this second line of defense role, you will implement the Risk Management Framework, monitor material operational, conduct, and compliance risks, and support regulatory engagements with the Banco de España.

• Minimum of 7 years of experience in Risk Management, Compliance or Internal Audit within a regulated retail bank, digital bank, or top-tier fintech operating in Spain
• Deep understanding of Banco de España regulations and broader EBA/ECB regulatory requirements including CRD V, PSD2/3, GDPR, DORA, and AML/CFT
• Proven experience working with regulatory authorities and managing compliance-related audits
• Demonstrated experience managing or overseeing multiple risk types such as Operational Risk, ICT/Security Risk, Conduct risk, Compliance Risk, and basic Credit Portfolio Quality reviews
• Native or completely bilingual Spanish speaker with excellent professional proficiency in English

A self-starter with a background in risk management, compliance, or internal audit who is comfortable navigating a matrix reporting structure and passionate about fintech transformation in Europe.

Candidates apply on the employer's official site.