Compliance Manager – Advice

Moneybox

. Establish and operate MBSCL's dedicated, independent Compliance function as it moves through FCA authorisation to provide regulated financial advice .

Posted 10/5/2026full-timeLondon • United KingdomMid-LevelSeniorWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates extensive expertise in compliance oversight, regulatory frameworks, and financial crime prevention within a UK regulated environment. Proficient in designing compliance monitoring programs and delivering clear, concise reporting to senior stakeholders.

Highest-signal resume keywords

FCA Handbook KnowledgeCompliance Monitoring DesignFinancial Crime RequirementsSecond Line Compliance ExperienceRegulatory Reporting

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Compliance MonitoringRisk AssessmentCustomer Due DiligenceFinancial Promotions ReviewAdvice File ReviewsThematic ReviewsRegulatory Change ManagementService Level MonitoringPolicy DevelopmentBoard Reporting

Soft Skills

Clear WritingStakeholder EngagementAnalytical ThinkingProblem SolvingCommunication

Tools & Technologies

Aurora Advice EngineDigital Advice PlatformsAutomated Decisioning Tools

Certifications & Qualifications

Level 4 Diploma in Regulated Financial PlanningICA Certificate in ComplianceICA Diploma in Compliance

Industry Keywords

FCA AuthorisationRetail Investment AdviceConsumer DutyAMLJMLSG GuidanceSYSCDISPSM&CRFinancial Crime FrameworkIntra-Group Agreements

About the role

Key responsibilities & impact

Establish and operate MBSCL's dedicated, independent Compliance function as it moves through FCA authorisation to provide regulated financial advice
Hold the SMF16 Compliance Oversight and SMF17 Money Laundering Reporting Officer functions for MBSCL, independently from DML's equivalent functions
Report to the MBSCL SMF1 for day-to-day business partnering and directly to the MBSCL Board for SMF16 and SMF17 accountability
Work within the broader Risk and Compliance team with a dotted line to the VP of Risk and Compliance for the Moneybox Group
Design and deliver a risk-based compliance monitoring and assurance programme across MBSCL's advice service
Provide compliance advice and challenge across the end-to-end advice journey, including fact find, suitability, disclosures, charging, restricted advice and vulnerable customers
Oversee and challenge the advice service, Aurora advice engine, House Rules and human advisers, including change governance, testing evidence and monitoring advice outputs
Review, challenge and approve financial promotions and customer communications, maintaining the approvals record
Support the MLRO in operating MBSCL's financial crime framework, including risk assessment, policies, training, MI and suspicious activity escalation
Oversee and test customer due diligence, screening and monitoring performed by DML under the group reliance model
Oversee DML's services under the intra-group agreement, including service levels, issues, remediation, outsourcing and third-party oversight
Oversee complaints handling, root-cause analysis, outcomes MI and Consumer Duty outcome evidence
Support SM&CR implementation and operation, including statements of responsibilities, certification, conduct rules and fit-and-proper checks
Oversee the Training & Competence scheme
Provide compliance input to new propositions and changes, including mortgage and protection referral journeys, product governance and permissions boundaries
Own horizon scanning, regulatory change and MBSCL's compliance policy framework
Support regulatory reporting, notifications and FCA engagement, and prepare compliance MI for the Board, Advice Oversight Committee and executive
During the first six to twelve months, stand up the compliance function and independent financial crime framework, establish oversight of the intra-group agreement with DML, and build relationships with co-sourced financial crime and outsourced internal audit providers

Requirements

What you’ll need

Substantial experience in a second line compliance role within a UK regulated retail advice, wealth, platform or fintech firm
Strong working knowledge of the FCA Handbook as it applies to retail investment advice, including COBS (including COBS 9A suitability), Consumer Duty (PRIN 2A), PROD, SYSC, DISP, SM&CR and financial promotions
Hands-on experience designing and delivering compliance monitoring and assurance, including advice file reviews and thematic reviews, and reporting findings to senior stakeholders and committees
Working knowledge of financial crime requirements (MLR 2017, JMLSG guidance, sanctions), including customer due diligence and monitoring controls
Experience of group-wide AML or reliance arrangements is a plus
Experience overseeing outsourced or intra-group service arrangements, including service level monitoring (SYSC 8), is advantageous
Experience of an FCA authorisation, a new regulated service launch or a similar build environment is highly desirable
Familiarity with digital, platform or automated advice, and the compliance risks of model-driven or AI decisioning, is beneficial but not essential
Knowledge of ISAs, general investment accounts and pensions, and mortgage and protection introducer arrangements is advantageous
Clear, concise writing, with the ability to produce policies, MI and Board-ready papers
A relevant qualification, such as Level 4 or Level 6 Diploma in Regulated Financial Planning or an ICA Certificate or Diploma in Compliance, is desirable
Candidates must be based within the UK
Moneybox cannot offer visa sponsorship and cannot consider overseas applications
Satisfactory pre-employment checks, including criminal record and adverse credit history checks, are required

Benefits

Comp & perks

Opportunity to join a fast-growing, award-winning and super ambitious startup
Work with a friendly team of highly motivated individuals
Thriving collaborative and inclusive company culture
Company pension scheme
Company bonus scheme
Hybrid working environment
Home office furniture allowance
Personal Annual Learning and Development budget
Private Medical Insurance
Health Cash Plan - cashback on everyday healthcare like dental and opticians
Cycle to work scheme - spread the cost of a new bike and accessories
CycleSaver - save on bike-share subscriptions and have a more sustainable commute
Wellhub subscription to a variety of gyms and wellbeing apps
Enhanced parental pay & leave
25 days holiday + bank holidays with additional days added with length of service