Compliance Officer in London

At Kroo Bank, we’re building a better bank from the ground up.

One that puts customers first, treats money responsibly, and uses technology to make everyday banking simpler, fairer and more transparent.

We’re a fully regulated UK bank, backed by long-term investors, with a growing customer base and big ambitions.

We move fast, think carefully, and hold ourselves to the highest standards, whether that’s how we engage with our customers, build products, manage risk, or look after our people.

How you will contribute and key responsibilities

We are seeking a proactive Compliance Officer to join our Compliance team within a UK retail consumer bank.

This is a broad generalist compliance role supporting the business in meeting regulatory obligations while enabling customer‑focused growth.

The successful candidate will provide day‑to‑day compliance advice across retail banking activities, review and approve financial promotions, monitor regulatory developments, and support the bank's wider compliance framework.

Other responsibilities include

• Review, challenge and approve financial promotions in accordance with applicable FCA requirements, ensuring communications are clear, fair and not misleading.
• Provide timely compliance advice to business stakeholders across retail banking products and customer journeys, ensuring the banks meets its regulatory and Consumer Duty obligations.
• Support the implementation and maintenance of the bank's compliance framework, including policies, procedures and controls.
• Conduct compliance monitoring and thematic reviews, identifying areas for improvement and tracking remediation.
• Advise on regulatory change and assist with implementing new FCA rules and guidance.
• Support product governance and new product approval processes.
• Assist with regulatory risk assessments and compliance reporting.
• Provide compliance input into projects, change initiatives and business transformation activities.
• Deliver compliance training and raise regulatory awareness across the business.
• Support internal and external audits and regulatory enquiries where required.
• Assist with the investigation of compliance incidents and breaches, ensuring appropriate escalation and remediation.
• Maintain effective relationships with key stakeholders across Marketing, Product, Operations, Legal, Risk and Customer Services.

Essential

• Experience gained within Compliance in a UK retail consumer bank or regulated financial services firm
• Demonstrable experience reviewing and approving Financial Promotions under FCA rules
• A good working knowledge of the FCA Handbook, including PRIN, Consumer Duty, DISP, and Financial Promotion rules (including COBS where relevant), plus CONC (desirable for consumer lending businesses) and BCOBS where applicable
• Confidence providing pragmatic compliance advice to first‑line business teams
• A solid grounding in compliance monitoring, regulatory risk management and governance
• Strong stakeholder management and communication skills
• The ability to balance regulatory requirements with commercial objectives
• Excellent written, analytical and organisational skills

Desirable

• Experience within consumer lending, savings, current accounts or other retail banking products
• Experience supporting regulatory change programmes
• Knowledge of vulnerable customer requirements
• A professional compliance qualification (such as the International Compliance Association Diploma or Advanced Certificate, or equivalent)
• Experience interacting with the Financial Conduct Authority
• Personal Attributes
• Strong attention to detail
• Sound judgement and integrity
• A collaborative approach with the confidence to provide constructive challenge
• A pragmatic, solutions focused mindset
• The ability to manage multiple priorities in a fast‑paced environment
• A commitment to delivering good customer outcomes and maintaining high ethical standards
• What You'll Bring

You’ll be an experienced compliance professional who enjoys working across a broad range of regulatory topics.

Comfortable partnering with business stakeholders and offering practical advice, you’ll help ensure the bank continues to meet its regulatory obligations while delivering positive outcomes for customers.

What we offer

At our cutting‑edge fintech company, we know that attracting and retaining the best talent means offering top‑notch benefits that help our employees thrive both in and outside of work.

• Generous holiday time: 25 days annual leave, 8 bank holidays, 1 Kroo bank holiday (June 24th), and 1 day off during the week of your birthday.
• Personal days: We know that life can be unpredictable, so we offer 3 personal days to use as needed.
• Employer‑sponsored volunteer program: We're passionate about giving back to our community, and we support our employees in doing the same with up to 4 hours per month of employer-sponsored volunteer time.
• Mental health support: We care about the mental health of our team members and offer access to Spill, our mental health support partner.
• Workplace pension: We want you to feel secure about your future, so we offer a workplace pension with a 5% employee contribution and a 3% employer top‑up.
• Top‑notch equipment: We provide top‑of‑the‑line equipment necessary for smooth hybrid work, including a Mac Book laptop.

Additionally, we also offer support in establishing your home office by contributing towards your setup if required.

• Modern office: When you're in the office, you'll enjoy access to our modern, bustling workspace in Farringdon (Central London).
• Cycle to Work scheme: We encourage sustainable transportation with our Cycle to Work scheme.
• Electric Car scheme: We're committed to reducing our carbon footprint, and our Electric Car scheme makes it easy for our employees to do the same.
• Enhanced parental leave: We know that family comes first, and we offer an enhanced parental leave policy to support our employees in starting and growing their families.
• Room for growth: As a fast‑paced, high‑growth start‑up, we're dedicated to providing our employees with room to grow and excel.
• You get full healthcare for you and your nuclear family via Vitality.
• Hybrid Working

At Kroo Bank, we follow a hybrid working approach that balances flexibility with regular in‑office collaboration.

Employees are expected to work from the office 1 or 2 days each week, using our London office as a valuable space to support productivity and teamwork.

This role operates from Monday to Friday and includes a combination of remote and office based work, so you will not be required to be on site full time.

Diversity and Inclusion

We wholeheartedly uphold our commitment to fostering a diverse and inclusive workplace.

Every employee is highly regarded, respected, and supported without any form of judgement or prejudice.

We consider Diversity, Equality, and Inclusion as fundamental pillars guiding our path in all aspects of our bank.

We also ensure that reasonable adjustments are made available to all candidates throughout the recruitment process.

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