Senior Legal Counsel, Digital Assets and Payments

🚀 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 ❤️

📍London/Cardiff/UK Remote | 💰circa £110,000 + Incentive Awards tied to your performance + Benefits | Hear from the team ✨

We’re looking for a Senior Legal Counsel to join our team at Monzo to support our payments business including digital assets and emerging payment technologies. You will report to Monzo’s Director of Legal for Payments & Business Banking, be part of the Legal and Board Governance Collective, and act as a legal business partner for the teams working on these initiatives.

This role sits at the intersection of payments, digital assets and emerging payments technologies. You’ll help teams navigate a rapidly evolving legal and regulatory landscape, helping Monzo innovate responsibly while protecting our customers.

You’ll work at all levels in the organisation and with a wide-range of stakeholders from Product Managers and Designers, to Operations professionals and Software Engineers, and Risk, FinCrime and Compliance professionals.

While payments, digital assets and emerging financial technologies will be your primary focus, more broadly, you will also have opportunities to work within a team of product lawyers to give first rate legal advice and support to Monzo’s Product Collectives, including in areas like personal and business banking.

🔑You’ll play a key role by...

You’ll work directly with senior lawyers, product managers and engineers to provide legal advice and commercial insights to develop and grow Monzo Bank in the UK - and internationally.

In particular, you will

Partner with product managers to advise on legal matters, in particular relating to the impact of digital assets and emerging financial technologies, and advise on the legal and regulatory requirements for Monzo.

Help to develop efficient ways of working to enable Monzo to scale quickly, and ensuring Monzo operates safely and in accordance with the law and regulation.

Provide training and knowledge sharing with other Monzonauts on the impact of laws and regulations for Monzo and our customers in your specialist area..

Often act as the sole lawyer advising product managers or other colleagues, identifying legal issues proactively, evaluating relevant risks and finding effective solutions to unique and complex business activities.

You’ll work closely and collaboratively with Monzo’s Director of Legal for Payments & Business Banking, Director of Product Legal, the General Counsel of Monzo Bank Limited and the other members of the UK Legal team to provide legal advice and commercial insights, in particular in relation to digital assets and other emerging financial technologies, to Product teams.

You’ll be a trusted advisor and will work proactively and collaboratively with other relevant stakeholders and teams across the Monzo Group, including the Product, Risk & Compliance, Supplier Operations, Financial Crime, Fraud and Operations teams.

You’ll advise on the evolving legal and regulatory framework for digital assets and emerging financial technologies, working with colleagues across the UK and EU to to help us identify relevant local legal and regulatory requirements and apply them to our products.

You’ll work wi