Compliance Monitoring Officer
Lendable · London, United Kingdom · 2d ago
About Lendable
Lendable is on a mission to build the world's best technology to help people get credit and save money.We're building one of the world’s leading fintech companies and are off to a strong start:
One of the UK’s most exciting unicorns with a team of over 800 people
Among the fastest-growing tech companies in the UK
Profitable since 2017
Backed by top investors including Balderton Capital and Goldman Sachs
Loved by customers with the best reviews in the market (4.9 across 10,000s of reviews on Trustpilot)
So far, we’ve rebuilt the Big Three consumer finance products from scratch: loans, credit cards and car finance. We get money into our customers’ hands in minutes instead of days.
We’re growing fast, and there’s a lot more to do: we’re going after the two biggest Western markets (UK and US) where trillions worth of financial products are held by big banks with dated systems and painful processes.
Join us if you want to
Take ownership: you are trusted to make decisions that drive a material impact on the direction and success of Lendable from day 1
Work in small teams of exceptional people: Lendies are relentlessly resourceful. We challenge the status quo to solve problems and find smarter solutions
Build the best technology in-house: we use new data sources, machine learning and AI to make machines do the heavy lifting
About the role:
As Compliance Monitoring Officer, you'll join Lendable's Compliance team to help ensure the firm meets its regulatory obligations and delivers good outcomes for customers. You'll design and deliver structured compliance monitoring reviews across the business, identifying risks and gaps, and working with stakeholders to track remediation to completion. This is a hands-on, detail-driven role for someone who understands consumer credit regulation and wants to build a strong second-line assurance function within a fast-moving fintech.
You'll report into the Compliance and Governance Manager, working closely with teams across the business as well as external bodies including the FCA and ICO.
Your team's objectives:
Deliver a robust, well-evidenced compliance monitoring programme across the firm
Ensure adherence to regulatory requirements and internal policies at all times
Identify and escalate compliance risks, breaches, or suspicious activity before they cause harm
Provide second-line assurance over the effectiveness of Quality Assurance activities
Keep the business ahead of regulatory change through horizon scanning
Embed Consumer Duty and good customer outcomes across the organisation
How you'll impact those objectives:
Design terms of reference, testing logs, and comprehensive final reports for each monitoring review
Present findings to senior management and drive agreed actions to completion
Maintain accurate, audit-ready records across all stages of monitoring activity
Review and validate the effectiveness of Quality Assurance work as second-line assurance
Support regulatory reporting, horizon scanning, and ad hoc compliance advice requests
Investigate and escalate potential breaches or unusual patterns to the right internal and external stakeholders
What do you need to succeed in this role:
2+ years' experience in compliance monitoring within consumer credit, ideally including secured lending products
Solid knowledge of financial services regulation (AML, KYC, GDPR, DISP, CONC, MCOB)
Strong grounding in risk assessment methodologies and compliance monitoring techniques
A 2:1 degree (finance, law, business, or related) plus 3 A-levels at grade B or above; ICA or similar a plus
Sharp analytical skills with strong attention to detail and the ability to interpret data and spot patterns
Excellent written and verbal communication, with the confidence to engage stakeholders at all levels
Interview process
15 minute remote cognitive exercise
30 minute Interview with the Talent Partner
A short exercise to complete at home with a 7 day deadline
60 minute: Remote or in person (if preferred) interview: with Compliance and Governance Manager and Senior Compliance Monitoring Officer.
30 minute: Final stage interview with the Head of Compliance
Life at Lendable
Winning team: the opportunity to scale up one of the world’s most successful fintech companies
Flexible working: flexible approach tailored to each role. Hybrid roles require three days in-office weekly; fully remote roles include regular opportunities for in-person connection through socials and off-sites
Socials & connection: opportunities and events to come together, socialise, and get to know each other beyond the office walls
Health coverage: support for your physical and mental wellbeing, including private health cover
Retirement & savings: long-term financial wellbeing through retirement savings plans
Employee referral programme: earn a competitive bonus when you refer successful new team members
Office meals & snacks: enjoy a fully stocked kitchen, plus complimentary lunches prepared by in-house chefs on in-office days at select locations
Sustainable commuting: cycle-to-work and electric vehicle salary sacrifice schemes available in select locations
Please note: The availability and details of specific benefits vary by location and role. For more information, please speak to your Talent Partner.
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