At a Glance
- Tasks: Ensure compliance in mortgage processes and provide expert guidance to teams.
- Company: Join Habito by Monzo, a tech-driven company revolutionising the mortgage experience.
- Benefits: Enjoy competitive salary, flexible holidays, remote work, and career progression.
- Other info: Diverse and inclusive workplace with opportunities for personal growth.
- Why this job: Be part of a team making mortgages easier and more accessible for everyone.
- Qualifications: Experience in compliance and strong attention to detail required.
The predicted salary is between 44600 - 44600 £ per year.
Getting a mortgage should feel simple, not stressful. That's why we built Habito by Monzo.
We combine smart technology with expert mortgage advisers to help people find the right mortgage, faster.
It's personalised, straightforward, and completely free.
Check out our protection guide and mortgage calculator.
And we're not stopping there.
We're rethinking what buying a home can look like, building products and experiences that make every step easier.
If you join us, you'll help shape what's next.
UK, London/Remote | From £44,600 depending on experience.
We’re looking for a Compliance Expert! (Fixed Term Contract - 12 Months)
Habito by Monzo is making it easier than ever to get a mortgage, with cutting‑edge technology and a straightforward service that puts customers in control.
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.
More about what you’ll do
- 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
- Assist with the documentation, implementation and streamlining of procedures and processes
- Conduct due diligence on customers, partners, and suppliers, ensuring robust oversight of both regulatory and data protection risks.
- Monitor third‑party data processors and ensure 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
- Support projects and change initiatives relating to SMCR, Consumer Duty, conflicts of interest, regulatory reporting, data protection compliance, and records retention.
You’ll have
- 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
- The stated experience level is a guide and does not preclude applications from candidates with more or less experience, provided the requisite skills can be demonstrated
If you want to be part of a team whose driving purpose is to make mortgages easier, we’d love to hear from you.
- The 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.
- More About Habito By Monzo
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.
We want to hear from everyone
The creative brilliance and ingenuity at Habito by Monzo wouldn’t be possible without a diverse team bringing different perspectives, experience and skills together.
If you feel you can do the job, we’d like to hear from you, no matter what your background or qualifications.
We want to foster a culture where everybody feels included, heard, and equal – regardless of age, disability, gender, marital or parental status, race, religion or belief, sex or sexual orientation.
The best ideas come from people with different backgrounds, experiences, and perspectives. That's why we're building a team where everyone feels welcome and can do their best work.
If you're excited about this role but don't meet every requirement, we'd still love to hear from you. You might be exactly who we're looking for.
We’re an equal opportunity employer.
All applicants will be considered for employment without attention to age, ethnicity, religion, sex, sexual orientation, gender identity, family or parental status, national origin, or veteran, neurodiversity or disability status.
If you have a preferred name, please use it to apply. We don't need full or birth names at application stage
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Compliance Expert (FTC - 12 Months) employer: Habito
At Habito by Monzo, we pride ourselves on being an innovative and technology-driven employer that values creativity and collaboration. Our remote-first working culture, flexible holiday policy, and commitment to employee growth through career progression opportunities make us an excellent choice for those looking to thrive in the legal field. With a focus on diversity and inclusion, we ensure that every team member feels valued and empowered to contribute to revolutionising the home buying experience.
StudySmarter Expert Advice🤫
We think this is how you could land Compliance Expert (FTC - 12 Months)
✨Dive into Industry Groups
Join compliance and risk management groups on platforms like LinkedIn and Facebook. These communities often share temp job postings and insights. You’d be surprised at how many temporary gigs float around through word of mouth!
✨Showcase Your Expertise
Consider creating content on compliance topics that get you noticed—think LinkedIn articles or even a blog. This not only shows off your knowledge but can grab the attention of companies like Habito when they’re searching for someone to fill a temporary position.
✨Tap into Recruitment Agencies
Reach out to recruitment agencies that specialise in compliance and risk roles. They’re usually in touch with companies looking to fill temporary roles, which can save us a lot of time in our job search.
✨Go Local with Networking
Attend local compliance and risk seminars or workshops. Meeting professionals in our area can open up temp opportunities, and it’s a great way to make your face known in the industry—plus, you might even meet someone from Habito!
We think you need these skills to ace Compliance Expert (FTC - 12 Months)
Some tips for your application 🫡
Show Your Compliance Know-How:When you’re applying for a compliance-risk role like Compliance Expert (FTC - 12 Months), make sure to highlight your understanding of industry regulations and risk management principles. Mention any relevant coursework, certifications, or projects that showcase your expertise in these areas—it's what sets you apart!
Highlight Your Analytical Skills:In the compliance-risk field, strong analytical skills are essential. Talk about your experiences that required critical thinking and data analysis, whether in past roles, internships, or academic projects. Show us how you've identified risks and implemented solutions in the past.
Tailor Your CV for the Temporary Role:Since this is a temporary role, focus on your availability and flexibility in your CV. Highlight any previous short-term roles or projects that demonstrate your ability to adapt quickly and deliver results in a fast-paced environment. This helps employers see you as an easy fit in their team!
A Concise Cover Letter is Key:Keep your cover letter short and focused! Explain why you're interested in the compliance-risk area specifically for this temporary position at Habito. Mention what you hope to learn and achieve, showing your enthusiasm and motivation to contribute positively during your time there.
How to prepare for a job interview at Habito
✨Know Your Compliance Basics
Make sure you're clued up on the key compliance and risk regulations pertinent to the industry you're applying to. Understanding frameworks like GDPR or AML will not only impress but also show that you’re ready to hit the ground running in your temporary role at Habito.
✨Prepare for Scenarios
Expect scenario-based questions that test your problem-solving skills. They might ask how you'd handle a specific compliance issue. Think through real situations you’ve encountered in past roles or study hypothetical cases to showcase your analytical skills and practical judgement during the interview.
✨Highlight Your Adaptability
Since this is a temporary position, emphasise your ability to adapt quickly to new environments and team dynamics. Share examples of how you’ve successfully adjusted to changes in past roles and how this flexibility can benefit Habito in the short term.
✨Gather Your Technical Tools
Familiarise yourself with commonly used compliance tools or software, as they might come up in the interview. If you've used tools for risk assessments or compliance tracking, mention those and be ready to discuss how they can streamline processes at Habito.
