Senior Legal Counsel, Digital Assets and Payments

• Support Monzo's payments business, covering digital assets and emerging payment technologies. • Report to Monzo's Director of Legal for Payments & Business Banking as part of the Legal and Board Governance Collective. • Act as legal business partner for the teams working on these initiatives. • Help teams navigate a rapidly evolving legal and regulatory landscape so Monzo innovates responsibly while protecting customers. • Work at all levels with Product Managers, Designers, Operations professionals, Software Engineers, and Risk, FinCrime, and Compliance colleagues. • Take opportunities to work within a team of product lawyers supporting Monzo's Product Collectives more broadly, including personal and business banking. • Work from the London office, with non-London arrangements discussed case by case.

• Bring a minimum of five years of relevant post-qualification experience as a technically excellent lawyer. • Bring recent experience of digital assets, emerging financial technologies, and the evolving regulatory regime. • Advise on laws and regulations relevant to financial services, including the UK regulatory regime as it applies to digital assets and emerging payment technologies. • Assess risk and recommend solutions that balance commercial and risk considerations. • Think ahead, anticipate challenges, understand the commercial objectives of the teams you support, and set clear objectives. • Stay proactive, taking the initiative to broaden your knowledge. • Bring passion for the intersection of banking and technology and the transformation unfolding in consumer finance. • Work comfortably in a fast-paced environment.

• Bring experience across both UK and EU regulatory regimes, since the role works with colleagues in both. • Have managed relationships with external law firms and suppliers, including cost management. • Have identified and implemented technology solutions that streamlined legal workflows. • Have delivered training and knowledge sharing to non-legal colleagues. • Use a preferred name to apply, as Monzo does not need full or birth names at application stage.

• Partner with product managers to advise on legal matters, especially the impact of digital assets and emerging financial technologies, and the legal and regulatory requirements that follow. • Develop efficient ways of working that let Monzo scale quickly while operating safely and lawfully. • Provide training and knowledge sharing with other Monzonauts on how laws and regulations affect Monzo and its customers. • Act as the sole lawyer advising product managers and colleagues, identifying legal issues proactively and finding effective solutions to complex business activities. • Work closely with the Director of Legal for Payments & Business Banking, the Director of Product Legal, the General Counsel, and the wider UK Legal team. • Act as a trusted advisor across Product, Risk & Compliance, Supplier Operations, Financial Crime, Fraud, and Operations. • Advise on the evolving legal and regulatory framework for digital assets, working with colleagues across the UK and EU to apply local requirements to Monzo's products. • Improve how the Legal and Board Governance Collective manages its activities, including through technology that streamlines workflows and increases scalability. • Manage relationships with external suppliers and law firms, optimising spend while keeping legal support top quality.

We have been Monzo customers for years and have always loved their beautiful, simple app UI. We believe their product has a positive impact on millions of customers, motivating them to be more conservative with their spending and helping them save money. Monzo, as a company, has consistently grown over the past 10 years and is known for its strong company culture, generous benefits, and leadership that strives to be truly transparent and cares about its colleagues. It is a company that helps you advance your career and grow as a professional, working with great teams. If you like to join a thriving, upcoming bank and help millions of customers lead a financially sound life, Monzo gives you the opportunity to push ahead.

• Earn circa £110,000 plus incentive awards tied to your performance and benefits. • Get help relocating to the UK. • Discuss a non-London base case by case if you are not London-based. • Set your own hours, with Monzo trusting you to work enough to do the job well at times that suit you and your team. • Spend a £1,000 annual learning budget on books, training courses, and conferences. • Interview across three stages taking around three to four weeks, always worked around your availability.

Monzo is on a mission to make money work for everyone, moving away from the complicated and confusing ways of traditional banking. Starting as a prepaid card, it now offers personal and business bank accounts, joint accounts, accounts for 16 to 17 year olds, a free kids account, and credit cards in the UK, alongside saving, investing, and pension consolidation. Its Legal and Board Governance Collective supports product teams across the business, advising on the legal and regulatory landscape as Monzo grows in the UK and internationally.