At Moneybox, our mission is to give everyone the means to get more out of life. We’re guided by our belief that wealth isn’t about the money, it’s about the means to more: more freedom, opportunities, possibilities, and peace of mind.
Moneybox is an award-winning wealth management platform, helping nearly two million people build wealth throughout their lives, whether they're saving and investing, buying their first home, or planning for retirement.
And now Moneybox is building the means to help more people in more ways - through personal financial advice. We believe that great advice should be available to everyone, at every stage of life, and that technology can help us deliver it with the care, clarity and accountability people deserve.
We're building a new kind of advice service from the ground up, and the people who join us now will help shape how millions of people plan for their future.
The Senior Financial Advisor is one of the most experienced practitioners in the advice team. You are the technical anchor for complex cases — particularly pension consolidation and drawdown — and you carry significant accountability for the quality and suitability of advice we deliver to customers.
You will work alongside the Advice Engine rather than replacing it: the engine generates the plan, and you ensure it is right for the customer. You will also play a leading role in shaping the House Rules that govern advice outputs. You will coach less experienced Advisers and Money Guides, and be the senior point of escalation for the team to deliver good advice outcomes. You may have line manager responsibility for a team of Financial Advisers.
What you'll be doing
Running video consultations, collecting information & establishing customer goals, walking customers through their plan, answering questions and helping them feel confident about their next steps.
Handle the most complex escalations from the support team — vulnerable customers, customers with multiple pension pots, customers where suitability needs to be carefully assessed, and customers who need to be off-boarded with care.
Make final calls on whether a customer should be off-ramped from the service, documenting the rationale clearly and ensuring the customer leaves the interaction with a good outcome and a clear next step.
Respond to customers flagged as insistent, doing the right thing for the customer while protecting them and the firm.
Review engine-generated plans against our suitability standards within the agreed SLAs, signing off plans for release.
Review flagged customer cases before their plan is released, deciding whether to further fact find, off-ramp or release the plan.
Carry out QA checks on advice given and calls delivered by other Advisors and on customer interactions handled by the support team, feeding findings into the T&C scheme.
Own a portfolio of QA themes (e.g. drawdown suitability, vulnerable customer handling) and report findings into governance forums.
Provide expert input into the House Rules — the restrictions and parameters that govern what the advice engine can and cannot recommend.
Work with the Risk & Compliance team on stress testing the advice model, including operational and technological stresses, not just market scenarios.
Partner with Product on improvements to the fact find, suitability report and Advisor Management System based on what you see in real customer cases.
Contribute to compliance monitoring activities and represent the advice team in governance and audit meetings as required.
Act as the senior technical reference point for Advisors, Paraplanners and Money Guides — the person the team turns to on hard cases.
Coach and develop less experienced Advisers, including supporting their T&C progression, observing customer calls and providing structured feedback.
In specific circumstances, the role will include direct line management of 1 or more Financial advisers
Help shape recruitment, onboarding and ongoing competence frameworks as the team scales.
Customer-facing advice
Quality assurance and oversight
Shaping the service
Leadership and development
What we're looking for
Diploma in Regulated Financial Planning (QCF Level 4) or equivalent, with significant additional qualifications in pensions — (AF7) or equivalent is required given the drawdown remit.
Substantial post-qualification experience as a regulated advisor, with a strong track record of delivering retirement and at-retirement advice.
Deep technical knowledge of UK pensions, drawdown, tax-free cash sequencing, ISAs and the tax treatment of investments and pensions.
Demonstrable experience of QA, file checking or T&C supervision — you've reviewed other people's advice and can articulate what good looks like.
Comfortable operating in a restricted advice environment and explaining the boundary between advice and guidance clearly to customers and colleagues.
Fluent with the Consumer Duty regime and able to evidence good customer outcomes in your day-to-day work.
Chartered or working towards Chartered Financial Planner status.
Experience working in or alongside an automated or robo-advice environment, or in a hybrid advice service.
Experience contributing to House Rules, advice models or other forms of advice logic.
Essential
Desirable
How you'll work
What’s in it for you?
Opportunity to join a fast-growing, award-winning and super ambitious company
Work with a friendly team of highly motivated individuals
Be in an environment where you are listened to and can actually have an impact
Thriving collaborative and inclusive company culture
Company pension scheme
Company bonus scheme
Home office furniture allowance
Personal Annual Learning and Development budget
Private Medical Insurance
Health Cash Plan – cashback on everyday healthcare like dental and opticians
Cycle to work scheme – spread the cost of a new bike and accessories
CycleSaver – save on bike-share subscriptions and have a more sustainable commute
Wellhub subscription to a variety of gyms and wellbeing apps
Enhanced parental pay & leave
25 days holiday + bank holidays with additional days added with length of service.
Skills Required
- Diploma in Regulated Financial Planning QCF Level 4 or equivalent
- AF7 or equivalent additional qualification in pensions
- Substantial post-qualification experience as a regulated financial advisor
- Strong track record delivering retirement and at-retirement advice
- Deep technical knowledge of UK pensions, drawdown, tax-free cash sequencing, ISAs, and investment and pension taxation
- Experience with quality assurance, file checking, or training and competence supervision
- Experience reviewing other people's advice and articulating advice quality standards
- Experience operating in a restricted advice environment
- Ability to explain the boundary between advice and guidance
- Fluency with the Consumer Duty regime and evidence of good customer outcomes
- Chartered or working toward Chartered Financial Planner status
- Experience with automated, robo-advice, or hybrid advice services
- Experience contributing to House Rules, advice models, or advice logic
What We Do
At Moneybox, we help you turn your money into something greater. Millions of us want to achieve more with our money. But whether we’re looking to save for a rainy day, grow our money, buy a home, or even build a retirement fund, we leave it at the bottom of our to-do lists because we're not sure how to get started. This isn’t surprising. We aren’t taught about financial planning at school, the wealth industry was built to serve a minority, and it often feels like banks don’t care about helping us achieve outcomes. To top it off, the financial services industry is fragmented and confusing. This means that our money often isn’t working hard enough and our goals are much harder to achieve. So, we made a solution. We've brought saving, investing, home-buying, and retirement services together into one simple app. So people can reach their goals and build wealth with confidence, whatever their starting point. We want to help people build wealth, but our mission goes beyond that. We believe that building wealth isn’t simply about accumulating more money. It’s about going after the life you want and enjoying it to the fullest, today and tomorrow. This is what it means to turn your money into something greater.
