Senior Legal Counsel, Digital Assets and Payments

Overview

As Senior Legal Counsel, you will support Monzo’s payments business, including digital assets and emerging payment technologies, acting as a strategic legal partner across product, risk, and engineering teams. You will help navigate a fast-evolving regulatory landscape to enable responsible innovation and scalable growth. You’ll collaborate with senior lawyers and cross-functional teams to provide practical legal and commercial guidance. This role offers impact in shaping compliance-forward product development within a dynamic fintech environment.

Pay / Benefits

• incentive awards tied to performance
• relocation support to the UK
• flexible working hours
• learning budget of 1000 per year
• London office-based role
• comprehensive benefits package (unspecified)

Responsibilities

• Advise product teams on legal and regulatory matters relating to digital assets and emerging payments technologies
• Develop efficient, scalable processes to support rapid growth while ensuring regulatory compliance
• Provide training and knowledge sharing on laws impacting Monzo and its customers
• Act as a sole or primary legal adviser to product managers when needed, identifying risks and proposing solutions
• Collaborate with the Director of Legal for Payments & Business Banking, General Counsel, and UK Legal team to align on digital assets guidance
• Advise on evolving regulatory frameworks for digital assets across UK and EU
• Support cost management and vendor relationships to ensure high-quality legal support within budget
• Assist in improving workflow tools and technology to streamline legal operations
• Engage with cross-functional stakeholders (Product, Risk & Compliance, FinCrime, Fraud, Operations) to embed compliance by design
• Support international growth initiatives in collaboration with product and legal teams

Key requirements

• Minimum 5 years post-qualification experience in law
• Recent experience with digital assets and emerging financial technologies
• Proven ability to advise on UK financial services laws and regulatory regimes as applied to digital assets
• Strong risk assessment and problem-solving skills with a commercial mindset
• Proactive, collaborative, and able to work in a fast-paced environment
• Interest in banking-technology intersection and transformation of consumer finance
• Ability to work across multiple senior stakeholders and teams

• team player
• problem solving
• risk-aware
• digital assets
• emerging financial technologies
• UK regulatory regime (financial services)

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