Senior Auditor

Hello, we’re Starling. We built a new kind of bank because we knew technology had the power to help people save, spend and manage their money in a new and transformative way. We’re a fully licensed UK bank with the culture and spirit of a fast-moving, disruptive tech company. We’re a bank, but better: fairer, easier to use and designed to demystify money for everyone. We employ more than 3,000 people across our London, Southampton, Cardiff and Manchester offices.

We're looking for a talented Senior Auditor to join our growing Internal Audit team.

The successful candidate should be an experienced Auditor with a background working in the UK banking or regulated financial services sector. Successful candidates will be passionate about making a real impact to the Bank's controls and business processes because this is key to our mission. With manager support, direction and guidance, the job holder will be required to develop working relationships with management and to help plan and execute audits, with a focus on the Group’s retail and SME lending activities and new product development.. You will need to open and eager to learn about Starling, in particular its Credit and Product processes, along with internal audit good practice. You will support and help Starling's management to protect the Bank’s assets, reputation and sustainability as it continues on its growth path and delivers fantastic products and services to its customers.

This position focuses on the internal audit of Credit and Products. 

What you will be doing

• Contribute to audits over Group’s retail and SME lending activities and new product development with the support of Starling's in-house team and co-source providers. 
• Undertaking specialist regulatory reviews on lending (e.g. underwriting, servicing, collections, governance) and products (development cycle, project management, monitoring, governance)
• Planning audits, reviewing & documenting processes and controls, identifying risks and key controls in place to mitigate the risks
• Document work papers to ensure consistency with audit methodology and quality standards, including formulation of logical and factually accurate conclusions
• Support the delivery of value-add and insightful audit reports, ensuring factual accuracy is agreed upon and managing stakeholder communications
• Draw and articulate well-formulated conclusions and pragmatic recommendations, as well as inspire and be an agent of positive change throughout Starling
• Build and maintain strong professional relationships at all levels 
• Demonstrable influencing and negotiating skills, able to manage challenging conversations and also challenge constructively to support sustainable growth and ensure appropriate outcomes for our customers
• Liaise with management in tracking progress in addressing audit recommendations and confirming their closure
• Develop and maintain broad regulatory knowledge and experience. Stay abreast of business/industry changes and their effect on the team's audit plan, audit methodology and risk assessments
• Contributes proactively to achieving Internal Audit’s performance objectives and works effectively as part of a team.

• Several years of Financial Services experience as an internal auditor or advisor 
• Experience or exposure to regulatory compliance applicable to UK PRA or FCA regulated financial institutions 
• Relationship management and influencing skills with mid-level and senior management 
• Experience in delivering audits, including initial drafting an internal audit terms of reference, identifying relevant risks & controls by leading walkthroughs with stakeholders, designing & executing appropriate audit test procedures, documenting audit files, and drafting & socialising observations to a good standard
• Ability to juggle multiple priorities and overcome challenges while working within timelines
• Self-starter and can-do approach with a level of flexibility to adapt to work in a fast-paced and highly regulated environment
• Able to work collaboratively in a team environment and confident with agile ways of working
• Excellent attention to detail and highly organised
• The desire and drive to learn, develop and create a positive impact as part of a growing internal audit function

Desirable Criteria

• Relevant degree (e.g. Business, Accounting or Finance) or a professional certification or industry accreditation (e.g. ACA, ACCA, CPA, CIA) are desirable but not essential 
• Knowledge of retail and SME lending activities and new product development risks management, business processes and controls within the Financial Services industry
• A good understanding of the 2025 Institute of Internal Auditors (IIA) standards and Chartered Institute of Internal Auditors (CIIA) Internal Audit Code of Practice
• Experience with audit software and data analytics for internal audit functions
• Staying abreast of changes within UK banking & internal audit and their effect on internal audit's plan, audit methodology and risk assessments

• 25 days holiday (plus take your public holiday allowance whenever works best for you)
• An extra day’s holiday for your birthday
• Annual leave is increased with length of service, and you can choose to buy or sell up to five extra days off
• 16 hours paid volunteering time a year
• Salary sacrifice, company enhanced pension scheme
• Life insurance at 4x your salary & group income protection
• Private Medical Insurance with VitalityHealth including mental health support and cancer care. Partner benefits include discounts with Waitrose, Mr&Mrs Smith and Peloton
• Generous family-friendly policies
• Incentives refer a friend scheme
• Perkbox membership giving access to retail discounts, a wellness platform for physical and mental health, and weekly free and boosted perks
• Access to initiatives like Cycle to Work, Salary Sacrificed Gym partnerships and Electric Vehicle (EV) leasing

About Us

You may be put off applying for a role because you don't tick every box. Forget that! While we can’t accommodate every flexible working request, we're always open to discussion. So, if you're excited about working with us, but aren’t sure if you're 100% there yet, get in touch anyway. We’re on a mission to radically reshape banking – and that starts with our brilliant team. Whatever came before, we’re proud to bring together people of all backgrounds and experiences who love working together to solve problems.

Starling Bank is an equal opportunity employer, and we’re proud of our ongoing efforts to foster diversity & inclusion in the workplace. Individuals seeking employment at Starling Bank are considered without regard to race, religion, national origin, age, sex, gender, gender identity, gender expression, sexual orientation, marital status, medical condition, ancestry, physical or mental disability, military or veteran status, or any other characteristic protected by applicable law. When you provide us with this information, you are doing so at your own consent, with full knowledge that we will process this personal data in accordance with our Privacy Notice. 

By submitting your application, you agree that Starling Bank may collect your personal data for recruiting and related purposes. Our Privacy Notice explains what personal information we may process, where we may process your personal information, its purposes for processing your personal information, and the rights you can exercise over our use of your personal information.