Senior Compliance Manager (1st Line of Defence)

Overview

In this role, you will lead regulatory compliance across Zopa Bank’s products and operations, partnering with multiple business areas to embed risk-aware practices. You will translate complex rules into practical guidance, advise on promotions and customer communications, and drive compliance-led change to support responsible growth. You’ll work with cross-functional teams in a fast-paced environment, balancing business goals with regulatory expectations. This is a hands-on, autonomous role that shapes the risk culture and supports a customer-centric banking experience.

Pay / Benefits

• hybrid working
• London office 2-3 days per week
• option to work abroad up to 120 days per year
• supportive DE&I culture
• flexible working arrangements
• employee well-being focus

Responsibilities

• Provide expert regulatory guidance across products and customer journeys
• Review financial promotions and customer communications for compliance
• Act as the compliance SME on business projects and represent compliance in committees
• Lead the design and execution of compliant, proportionate risk solutions
• Drive education and awareness of compliance and regulatory risk practices
• Guide first line teams in risk assessments and promote a risk-aware culture
• Ensure business operates within risk appetite through appropriate controls

Key requirements

• Strong understanding of the FCA Handbook and principles-led regulation
• Proficiency in COBS, BCOBS, CONC and SYSC (DISP desirable)
• Proven track record in compliance, conduct and regulatory risk in financial services
• Solid knowledge of Consumer Duty and its regulatory implications
• Experience leading compliance-led reviews and risk assessments
• Ability to communicate regulatory requirements clearly to stakeholders
• Pragmatic, outcome-oriented approach and stakeholder influence

• Strong communication
• Pragmatism
• Outcome-oriented
• FCA Handbook knowledge (COBS, BCOBS, CONC, SYSC)
• Consumer Duty understanding
• Compliance-led review design and execution

…