[Hiring] Compliance Expert @Habito by Monzo

Role Description

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.

• 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
• Assisting with the documentation, implementation and streamlining of procedures and processes
• Conducting due diligence on customers, partners, and suppliers, ensuring robust oversight of both regulatory and data protection risks
• Monitoring third-party data processors and ensuring 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
• Supporting projects and change initiatives relating to SMCR, Consumer Duty, conflicts of interest, regulatory reporting, data protection compliance, and records retention

Qualifications

• 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

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

Company Description

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.