Senior Legal Counsel

🚀 We’re on a mission to make money work for everyone.

We’re waving goodbye to the complicated and confusing ways of traditional banking.

After starting as a prepaid card, our product offering has grown a lot in the last 10 years in the UK. As well as personal and business bank accounts, we offer joint accounts, accounts for 16-17 year olds, a free kids account and credit cards in the UK, with more exciting things to come beyond. Our UK customers can also save, invest and combine their pensions with us. 

With our hot coral cards and get-paid-early feature, combined with financial education on social media and our award winning customer service, we have a long history of creating magical moments for our customers!

We’re not about selling products - we want to solve problems and change lives through Monzo ❤️

Hear from our UK team about what it's like working at Monzo ✨

We're looking for a Senior Legal Counsel to join our team in Dublin and help us build one of the best, most innovative banks in the world. This role will have day-to-day responsibility for advising on a wider variety of legal matters relating to Monzo Europe’s activities in Ireland and abroad.

This role will report to the European General Counsel & Company Secretary. 

In this role, you will work at all levels in the organisation and in close partnership with the EU Risk & Compliance teams, the wider Monzo legal team as well as a diverse set of stakeholders across the business. You’ll lead on a wide range of legal matters with opportunities for growth in role as the business scales in Europe. There'll also be opportunities to get involved in operational resilience, artificial intelligence, competition, and multi market scoping. 

No two days are the same in Monzo’s Legal team. This is not your typical legal role; so we’re not looking for a typical person. We’re looking for someone with exceptional technical expertise but is willing to roll up their sleeves and get things done. If this sounds right up your street then get in touch, we’d love to hear from you. 

• Acting as a trusted legal advisor to our European development team and help grow our product and presence across Europe.
• Keeping up to date on regulatory developments and working with the relevant stakeholders regarding these changes.
• Advising on legal risk and identifying mitigants. 
• Providing crucial insights and leverage entity local expertise to feed into the consolidated group regulatory strategy.
• Developing and implementing processes and procedures to increase the efficiency and scalability of the European Legal function.
• Delivering training, sharing insights from your work, and helping educate others on legal developments.
• Managing relationships with our external legal counsel and ensuring we are optimising our legal spend on regulatory matters. 

• You have experience providing legal advice in Ireland and/or wider Europe, with a minimum of around 5 years relevant post qualification experience (or equivalent).
• You have a genuine interest in consumer finance; it’s not just your job but something you care about. 
• You have experience in advising on consumer credit, operational resilience, and managing legal projects across different jurisdictions.
• You are passionate about working to advise the business to help keep Monzo safe and compliant with our legal and regulatory obligations. 
• You are a strategic thinker, a strong communicator and a keen problem solver who can recommend solutions that balance business and risk perspectives. 
• You are willing to jump in and handle a wide range of financial regulatory legal issues that may arise even outside your core areas of expertise in an enthusiastic, proactive, and resourceful manner, and can sensibly assess when best to engage external counsel in a cost-effective way.
• You are comfortable operating at all levels of the organisation up to the Executive and liaising with a variety of internal and external stakeholders.
• You enjoy horizon scanning, proactively assessing risks, and quickly identifying and independently implementing mitigating actions. 
• You have a dynamic and entrepreneurial approach and are comfortable with the ambiguity of a fast-paced and rapidly-evolving environment.
• You have an open and curious mind, are passionate about the intersection of banking and technology and are excited to join us for the next stage of our journey at Monzo!
• You welcome diverse perspectives, think rigorously and critically and aren’t afraid to challenge assumptions.
• You’ve got additional experience in any of the following regulatory areas: operational resilience, artificial intelligence, competition, and interchange fee regulation.

Not ticking every box? That’s totally okay! Studies show that women and people of colour might hesitate to apply unless they meet every single requirement. At Monzo, we’re dedicated to creating a diverse and welcoming team. If you’re passionate about this role and keen to learn and grow with us, we encourage you to apply— even if you don’t have everything that's listed just yet. Drop us your application, we’d love to hear from you!

💰A competitive salary ➕share options.

📍This role will have a hybrid working model, based in our Dublin office 2 - 3 days a week.

⏰We offer flexible working hours and trust you to work enough hours to do your job well, and at times that suit you and your team. 

🏝 Annual Leave - 34 days including public holidays (24 holiday days + 10 public holidays)

📚€1,200 learning budget each year to use on books, training courses and conferences.

🏥Private healthcare scheme

💰Pension scheme: the minimum contribution is 4% and Monzo matches any additional contributions that you make up to a maximum of 6%

💛Wellbeing benefits: financial education, women’s and men’s health support, mental health benefits, including coaching and counselling

• A call with a member of our Hiring team
• An initial call with European General Counsel
• A series of behavioural, role specific (including chatting through a case study,) and leadership calls

This process should take around 2-3 weeks - your schedule is really important to us, so we promise to be as flexible as possible! 

We have some guidelines on using Artificial Intelligence (AI) to ace an application and interview at Monzo. You can read them here.

You’ll hear from us throughout the application process, but if you’ve got any questions, please reach out to business-hiring@monzo.com. You can also use this email address to let us know if there’s anything we can do to make the process easier for you because of disability, neurodiversity or anything else.

We’ll only close this role once we have enough applications for the next stage. Please submit your application as soon as possible to make sure you don’t miss out. 

#LI-ÉS1

Equal opportunities for everyone

Diversity and inclusion are a priority for us and we’re making sure we have lots of support for all of our people to grow at Monzo. At Monzo, we’re embracing diversity by fostering an inclusive environment for all people to do the best work of their lives with us. This is integral to our mission of making money work for everyone. You can read more in our blog, 2024 Diversity and Inclusion Report and 2024 Gender Pay Gap Report.

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 😊