Senior Compliance Manager; 1st Line of Defence

A day in the life

You will report into senior risk leadership and work closely with a range of stakeholders to ensure the business operates within risk appetite through the application of appropriate and proportionate controls.

• You will effectively communicate complex regulatory requirements into digestible, practical language for key stakeholders.
• Provide expert, pragmatic regulatory advice and support across products, customer journeys, operational processes and new initiatives.
• Review and advise on financial promotions and broader customer communications, while identifying opportunities to enhance and streamline review processes.
• Act as the compliance subject matter expert on business projects and represent compliance at relevant business committees and forums.
• Lead in defining solutions in response to risks that are smart, proportionate, sustainable and considered, taking a holistic view of the issue at hand and what is needed to uplift the risk environment.
• Drive education and awareness of compliance, conduct and regulatory risk management practices across the business.

• Experienced compliance professional with a strong understanding of the FCA’s handbook, key regulatory requirements and approach to principles‑led regulation in the consumer credit space. Strong proficiency in COBS, BCOBS, CONC and SYSC is essential. DISP experience is desirable.
• Proven track record of experience in compliance, conduct and regulatory risk within the financial services sector, with the ability to demonstrate strong technical expertise.
• Strong understanding of Consumer Duty and how this underpins regulatory guidance.
• Experienced in leading the design and execution of compliance‑led reviews.
• Ability to lead stakeholders to identify areas of risk, support delivery of change and continuously improve existing practices.
• Pragmatic, outcome‑oriented approach with the ability to apply the risk framework to deliver optimal outcomes for customers and the business.
• Strong communicator who can articulate issues clearly, flagging trade‑offs and solutions in order to balance business objectives with compliance.
• Acts as a trusted source of knowledge and point of contact for colleagues across the business, including first and second line teams.
• Guides first line teams in completing comprehensive risk assessments and promoting a risk‑aware culture across the business.

This hybrid role requires you to come to our London office 2–3 days a week. You will also have the option of working from abroad for up to 120 days a year, subject to having the right to work in the country of choice.

Zopa is proud to offer a workplace free from discrimination. Diversity of experience, perspectives, and backgrounds leads to better products for our customers and a unique company culture for our people. We are made up of nearly 50 nationalities, have a DE&I forum made up of Zopians wanting to make a difference and we are proud of our culture where everyone can bring their full self to work.

Our approach to DE&I is reflected in our hiring process so please let us know if you require any reasonable adjustments.