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
Screening stage:
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
