Compliance Monitoring Specialist

About Jaja

Our Mission: Empowering our customers to buy, borrow, and build-driven by tech, fuelled by data, and built for the future. Our Company Values: Care Deeply, Adapt & Thrive, Challenge everything, Go for it! Own it, Make it Simple. Jaja is an innovative UK based consumer finance business, leading initially with a digital credit card launched in 2018, and a pipeline of consumer finance solutions in the making.

We are on a mission to redefine the consumer finance experience and liberate customers from needless complexity, wasted time and frustration. Or as we say it, Make Simple.

We will delight our customers - making the customer experience simpler, more enjoyable, more intelligent - treating customers fairly and giving them more control of their money.

Compliance Monitoring Specialist

Hybrid £40,000 - £50,000 DOE

About the Role

As a Compliance Monitoring Specialist, you'll play a key role in providing independent assurance that the business meets regulatory requirements and delivers good customer outcomes. Your work will focus on assessing how effectively risks are managed across products, customer journeys, and operational processes. You'll deliver monitoring reviews, identify weaknesses or gaps, and support the business in making sustainable improvements. You'll work closely with teams across Product, Marketing, Credit, Operations, and Customer Service to understand how processes operate in practice, test controls, and assess whether they meet regulatory expectations, including Consumer Duty. Your insights will help strengthen the control environment, reduce conduct risk, and maintain a strong culture of compliance.

Key responsibilities

• Conduct thematic reviews, customer journey reviews, deep dives, and ongoing monitoring activity in line with the annual compliance monitoring plan.
• Assess the effectiveness of controls, processes, and customer journeys against applicable rules and expectations including FCA, CCA and ICO.
• Identify risks, issues, and root causes, providing clear, actionable recommendations.
• Suggest improvements to processes, controls, and customer outcomes based on review insights.
• Produce high-quality monitoring reports for senior management and governance committees.
• Track actions and support the business in implementing sustainable fixes.
• Support horizon scanning and regulatory change assessments.
• Champion Consumer Duty principles and help embed good outcome thinking across the business.
• Contribute to the continuous improvement of monitoring methodologies, testing approaches, and reporting standards.
• Support training or awareness sessions where monitoring insights highlight learning opportunities.
• Support with policy governance, coordinating timely review and sign off.

About You

You're someone who cares deeply about doing the right thing for customers and takes pride in producing high-quality, thoughtful work. You're proactive and willing to go for it, taking ownership of reviews and driving them through to completion with confidence and clarity. You're comfortable challenging everything-processes, assumptions, and risks-while maintaining strong, constructive relationships across the business. You have a talent for making it simple, turning complex regulatory expectations into clear insights that others can act on. You naturally own it, taking responsibility for your findings and following through on actions. You're resilient, curious, and able to adapt and thrive in a fast moving environment where priorities shift and new risks emerge. Above all, you're motivated by helping the business deliver good outcomes and maintain a strong culture of compliance.

Required Skills & Experience

• Experience in compliance monitoring, audit, risk, or a similar oversight role within UK financial services.
• Strong understanding of FCA rules, particularly CONC, PSR, SYSC, DISP, and Consumer Duty.
• Ability to analyse processes, controls, and data to identify risks and issues.
• Excellent written communication skills, with the ability to produce clear, concise reports.
• Strong stakeholder management skills and the confidence to challenge constructively.
• Highly organised, with the ability to manage multiple reviews and deadlines.

Desired

• Experience in credit cards, consumer credit, or retail lending.
• Knowledge of data analytics or monitoring automation tools.
• Professional qualifications (e.g., ICA or similar).
• Experience working in a fast paced, growing financial services environment.

What's in it for you?

• The chance to make a real impact in a growing business on a mission to change the face of the consumer finance industry forever
• Competitive salary
• Potential for part time working around other / family commitments
• Pension contributions
• Bonus potential
• Private medical cover
• 25 days annual leave (FTE) plus UK bank holidays and your birthday off (with an additional day added for each full calendar year worked, up to a maximum of 30 days).
• 4x life insurance cover
• Employee assistance program