Zopa Bank Limited

Our Story

Hello there. We're Zopa.

We started our journey back in 2005, building the first ever peer-to-peer lending company. Fast forward to 2020, and we launched Zopa Bank - a bank that listens to what our customers don't like about finance and does the opposite. We're redefining what it feels like to work in finance. Our vision for a new era of banking puts people front and centre - we've built a business that empowers everyone to aim high, every day, to move finance forward. Find out more about our offerings at .

We're incredibly proud of our achievements, which wouldn't be possible without our amazing team. We've won industry awards and been named among the UK's Most Loved Workplaces.

If you embrace unconventional challenges, think differently, and are driven to make an impact, you'll thrive here at Zopa. Join us and make it count. Follow us on

The Second Line Financial Crime Risk Team manages all financial crime risk at Zopa. It advises and challenges the business to ensure appropriate controls are in place to protect the bank, customers, and society from financial crime. The team oversees risk management, training, and assurance activities to ensure adherence to frameworks and standards, managing financial crime risk within the bank's risk appetite.

We are seeking an experienced financial crime risk manager to join our growing second line team. You'll report to the Director of Financial Crime Risk and support the development of our financial crime risk framework and processes.

This role requires a dynamic, analytical thinker who collaborates with risk, operations, and product teams to review, challenge, and oversee financial crime risk assessments and decisions. It's an exciting opportunity for someone motivated by driving change and contributing to responsible growth and a customer-centric experience.

A day in the life:

1. Develop and maintain Zopa's AML/CFT and Sanctions policies and standards, ensuring measures are in place to address money laundering, terrorist financing, and sanction evasion risks.
2. Conduct assurance activities such as testing controls, MI validation, customer journey reviews, policy reviews, and thematic reviews of the financial crime framework.
3. Perform risk assessments for new and existing products and contribute to the annual bank-wide risk assessment.
4. Review methodology documents and proposals from the 1st line of defence, questioning where necessary.
5. Draft and update policies and procedures to reflect regulatory changes and best practices.
6. Prepare documentation for risk meetings, policy updates, and regulator reports.
7. Ensure controls scale with products by developing review and monitoring processes.
8. Analyze MI to identify concerns for further investigation.
9. Collaborate with the risk team to develop or improve controls across accounts.

About you:

• Experience in AML/CTF risk management within financial services, preferably in fintech, digital banking, or EMI.
• Hands-on team player with risk function experience.
• Deep understanding of UK anti-money laundering, counter-terrorist financing, and sanctions regulations.
• Clear communicator capable of explaining complex concepts simply and influencing stakeholders.
• Comfortable in a fast-paced, changing environment; proactive and autonomous.
• Strong organizational, project management, and analytical skills.
• Pragmatic problem-solver with critical thinking skills.
• Data-driven with the ability to analyze and draw insights from data.
• Excellent report writing skills, adaptable to different audiences.
• High integrity, sound judgment, attention to detail.

Bonus points for:

• Experience with product teams, suppliers, or regulators.
• Knowledge of SQL.
• Experience with retail current accounts.
• Financial crime qualifications (e.g., ICA).

This role requires travel to our London Bridge office twice a week.

We're on the move!

By late 2025, Zopa will relocate to 20 Water Street, Canary Wharf, fostering collaboration for our 900 employees amid growth.

Flexible working:

We value face-to-face collaboration and work-life balance. This hybrid role requires 2-3 days in the London office. You can work from abroad up to 120 days/year, subject to right to work.

Diversity Statement

Zopa promotes a discrimination-free workplace. Our diverse team of nearly 50 nationalities and DE&I initiatives reflect our commitment. We welcome reasonable adjustments to support all applicants.