About Kroo Bank
At Kroo Bank, we’re building a better bank from the ground up. One that puts customers first, treats money responsibly, and uses technology to make everyday banking simpler, fairer and more transparent. We are a fully regulated UK bank, backed by long‑term investors, with a growing customer base and big ambitions. We move fast, think carefully, and hold ourselves to the highest standards in how we engage with customers, build products, manage risk, and look after our people.
How you will contribute and key responsibilities
We are seeking a proactive Compliance Officer to join our Compliance team within a UK retail consumer bank. This is a broad generalist compliance role supporting the business in meeting regulatory obligations while enabling customer‑focused growth. The successful candidate will provide day‑to‑day compliance advice across retail banking activities, review and approve financial promotions, monitor regulatory developments, and support the bank’s wider compliance framework.
- Review, challenge and approve financial promotions in accordance with applicable FCA requirements, ensuring communications are clear, fair and not misleading
- Provide timely compliance advice to business stakeholders across retail banking products and customer journeys, ensuring the bank meets its regulatory and Consumer Duty obligations
- Support the implementation and maintenance of the bank’s compliance framework, including policies, procedures and controls
- Conduct compliance monitoring and thematic reviews, identifying areas for improvement and tracking remediation
- Advise on regulatory change and assist with implementing new FCA rules and guidance
- Support product governance and new product approval processes
- Assist with regulatory risk assessments and compliance reporting
- Provide compliance input into projects, change initiatives and business transformation activities
- Deliver compliance training and raise regulatory awareness across the business
- Support internal and external audits and regulatory enquiries where required
- Assist with the investigation of compliance incidents and breaches, ensuring appropriate escalation and remediation
- Maintain effective relationships with key stakeholders across Marketing, Product, Operations, Legal, Risk and Customer Services
Requirements
Essential
- Experience gained within Compliance in a UK retail consumer bank or regulated financial services firm
- Demonstrable experience reviewing and approving Financial Promotions under FCA rules
- A good working knowledge of the FCA Handbook, including PRIN, Consumer Duty, DISP, and Financial Promotion rules (including COBS where relevant), plus CONC (desirable for consumer lending businesses) and BCOBS where applicable
- Confidence providing pragmatic compliance advice to first‑line business teams
- A solid grounding in compliance monitoring, regulatory risk management and governance
- Strong stakeholder management and communication skills
- The ability to balance regulatory requirements with commercial objectives
- Excellent written, analytical and organisational skills
Desirable
- Experience within consumer lending, savings, current accounts or other retail banking products
- Experience supporting regulatory change programmes
- Knowledge of vulnerable customer requirements
- A professional compliance qualification (such as the International Compliance Association Diploma or Advanced Certificate, or equivalent)
- Experience interacting with the Financial Conduct Authority
Personal Attributes
- Strong attention to detail
- Sound judgement and integrity
- A collaborative approach with the confidence to provide constructive challenge
- A pragmatic, solutions focused mindset
- The ability to manage multiple priorities in a fast‑paced environment
- A commitment to delivering good customer outcomes and maintaining high ethical standards
What You’ll Bring
You’ll be an experienced compliance professional who enjoys working across a broad range of regulatory topics. Comfortable partnering with business stakeholders and offering practical advice, you’ll help ensure the bank continues to meet its regulatory obligations while delivering positive outcomes for customers.
Benefits
We offer a range of benefits to support employees both in and outside of work.
- Generous holiday time: 25 days annual leave, 8 bank holidays, 1 Kroo bank holiday (June 24th), and 1 day off during the week of your birthday
- Personal days: 3 personal days to use as needed
- Employer‑sponsored volunteer programme: up to 4 hours per month of employer‑sponsored volunteer time
- Mental health support: access to Spill, our mental health support partnerWorkplace pension: 5% employee contribution with a 3% employer top‑up
- Top‑notch equipment: MacBook laptop and support for home‑office set‑up
- Modern office: access to our modern, bustling workspace in Farringdon (Central London)
- Cycle to Work scheme
- Electric Car scheme
- Enhanced parental leave policy
- Room for growth: opportunities to grow and excel
- Full healthcare for you and your nuclear family via Vitality
Hybrid Working
Employees are expected to work from the office 1 or 2 days each week, using our London office as a valuable space to support productivity and teamwork. This role operates from Monday to Friday and includes a combination of remote and office‑based work, so you will not be required to be on site full time.
Diversity and Inclusion
We wholeheartedly uphold our commitment to fostering a diverse and inclusive workplace. Every employee is highly regarded, respected, and supported without any form of judgement or prejudice. We consider Diversity, Equality, and Inclusion as fundamental pillars guiding our path in all aspects of our bank. We also ensure that reasonable adjustments are made available to all candidates throughout the recruitment process.
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