Location
London

Hours
Full Time

Salary
Competitive salary offered

About the Role
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 support our people.

We are seeking a proactive Compliance Officer to join our Compliance team within a UK retail consumer bank. This broad generalist compliance role supports the business in meeting regulatory obligations while enabling customer-focused growth. You 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.

Key responsibilities include reviewing, challenging and approving financial promotions in line with FCA requirements to ensure communications are clear, fair and not misleading; providing timely compliance advice to business stakeholders across retail banking products and customer journeys; supporting the implementation and maintenance of the bank's compliance framework including policies, procedures and controls; conducting compliance monitoring and thematic reviews to identify improvements and track remediation; advising on regulatory change and assisting with implementation of new FCA rules and guidance; supporting product governance and new product approval processes; assisting with regulatory risk assessments and compliance reporting; providing compliance input into projects, change initiatives and business transformation activities; delivering compliance training and raising regulatory awareness; supporting internal and external audits and regulatory enquiries; assisting with investigations of compliance incidents and breaches ensuring appropriate escalation and remediation; and maintaining effective relationships with key stakeholders across Marketing, Product, Operations, Legal, Risk and Customer Services.

Experience
- 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
- 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
- Solid grounding in compliance monitoring, regulatory risk management and governance
- Strong stakeholder management and communication skills
- Ability to balance regulatory requirements with commercial objectives
- Excellent written, analytical and organisational skills

About you
- Strong attention to detail
- Sound judgement and integrity
- Collaborative approach with confidence to provide constructive challenge
- Pragmatic, solutions focused mindset
- Ability to manage multiple priorities in a fast-paced environment
- Commitment to delivering good customer outcomes and maintaining high ethical standards

Qualifications
- Desirable: Experience within consumer lending, savings, current accounts or other retail banking products
- Desirable: Experience supporting regulatory change programmes
- Desirable: Knowledge of vulnerable customer requirements
- Desirable: A professional compliance qualification (such as the International Compliance Association Diploma or Advanced Certificate, or equivalent)
- Desirable: Experience interacting with the Financial Conduct Authority