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. With our cards, pay-early feature, financial education on social media and 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.

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.

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!

Responsibilities

• 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 leveraging local entity 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 and are passionate about keeping Monzo safe and compliant with 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 handle a wide range of financial regulatory legal issues that may arise outside your core areas of expertise, with a proactive and resourceful approach, and know when to engage external counsel cost-effectively.
• You are comfortable operating at all levels of the organisation up to the Executive and liaising with internal and external stakeholders.
• You enjoy horizon scanning, proactively assessing risks, and quickly identifying and implementing mitigating actions.
• You have a dynamic and entrepreneurial approach and are comfortable with ambiguity in a fast-paced, evolving environment.
• You are open and curious, passionate about the intersection of banking and technology, and 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 have additional experience in any of the following regulatory areas: operational resilience, artificial intelligence, competition, and interchange fee regulation.

Qualifications

• 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 are a strategic thinker, strong communicator and proactive problem solver able to balance business and risk perspectives.

What's in it for you

• A competitive salary and share options.
• This role will have a hybrid working model, based in our Dublin office 2-3 days a week.
• Flexible working hours and trust to work the hours that suit you and your team.
• Annual Leave - 34 days (24 holiday days + 10 public holidays).
• €1,200 learning budget each year for books, training courses and conferences.
• Pension scheme: minimum 4% employer contribution with Monzo matching up to 6%.
• Wellbeing benefits: financial education, health support, mental health benefits including coaching and counselling.

Application process

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

This process should take around 2-3 weeks. We'll be flexible with your schedule and keep you informed throughout the process.

Equal opportunities

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, veteran status, neurodiversity, or disability status. We're committed to diversity and inclusion and provide support for all our people to grow at Monzo. You can read more in our Diversity and Inclusion Report and Gender Pay Gap Report.

If you have a preferred name, please use it to apply. We don't need full or birth names at the application stage.