Principal Legal Counsel, Pensions and Investments (Fixed Term Contract)

London / Cardiff / UK Remote | £140,000 + Benefits

Responsibilities

• Act as a trusted adviser and partner to the Pensions & Investments teams, helping build products and customer journeys while meeting legal and regulatory requirements.
• Advise on the development of the pensions and investments offering, including expanding assets and providing draw‑down options.
• Support the teams in managing third‑party service providers such as pension trustees, administrators and custodians.
• Respond to regulatory changes and work with Compliance to ensure compliance.
• Collaborate with Risk and Control to identify and manage legal and regulatory risks.
• Prioritise and operate with highest impact across pensions and investments activities.
• Develop and implement processes and procedures that increase efficiency and scalability of legal advice.
• Provide training, share insights and educate others on pensions and investments matters.
• Manage relationships with external counsel, optimise legal spend and obtain best value.

Qualifications & Experience

• Experience advising on personal pensions and/or retail investment platforms with at least 5 years in a relevant role.
• Strong technical skills and deep understanding of regulatory and tax issues for pensions and investments; experience in private practice and ideally in‑house at a financial institution or fintech.
• Team‑player, collaborative, goal‑focused, and impact‑driven.
• Strategic thinker, strong communicator, problem‑solver who balances business and risk perspectives.
• Willingness to handle a wide range of legal issues proactively and cost‑effectively.
• Comfortable operating at all levels, including executive, and liaising with stakeholders.
• Open to diverse perspectives, critical thinker, not afraid to challenge assumptions.
• Passionate about banking and technology, eager to contribute to Monzo’s mission.

Benefits

• Flexible working hours and trust to work enough hours for success.
• Learning budget of £1,000 per year for books, training and conferences.
• Competitive salary subject to experience.
• Full list of benefits available on the company site.

Equal Opportunity

Monzo is an equal‑opportunity employer. All applicants will be considered for employment without regard to age, ethnicity, religion, sex, sexual orientation, gender identity, family or parental status, national origin, veteran, neurodiversity, or disability status.