Krystina Wicker
Reigate
Summary
Strategic Senior Manager with 16 years of experience in financial services, including 12 years in regulatory roles. A critical thinker adept at proactively identifying compliance and operational gaps, designing scalable solutions, and leading their end-to-end operational rollout. Highly effective at aligning senior stakeholders to balance risk management with the product roadmap to ship fast. Focused on continuous framework optimization and resolving complex problem statements to deliver sustainable business value.
Overview
11
11
years of professional experience
Work history
Product Risk Transformation Senior Manager
Monzo
2026.04 - Current
- Responsible for the delivery and embedding of Monzo's ‘Customer Obsessed' and ‘Process Excellence' goals including product related Consumer Duty actions, in particular enhancing our existing product review framework, testing approach and structure, through creative, pragmatic solutions that are globally applicable.
- Responsible for the development of minimum loveable products and their development in collaboration with Product Squads and 2LoD stakeholders to drive efficiency, automation and measurable impacts.
- Responsible for ensuring Monzo receives the right education and guidance on new processes and for continuing to embed risk awareness across the Product Squads through actionable insights and ongoing coaching and education.
- Working with SLT, risk & control professionals, product teams, second and third line teams, control functions and operations, technology and data teams.
Senior Change and Product Governance Manager
Monzo
2021.09 - 2026.04
- Responsible for the identification of gaps within the Monzo product governance process to ensure a scalable approach to change.
- Engineered, implemented and automated the Monzo wide Change Governance Process implementing complex logic that automatically triaged risk ratings, identified zero-error regulatory requirements (like CMA and VREQ constraints), and dynamically alerted multi-disciplinary advisory teams.
- Partnered with cross-entity C-suite stakeholders and Risk Directors, to transition our product governance process into Shipping and Pricing Committee to maximise operational efficiency and was the secretariat for this committee to support the Chair.
- Strategically navigated conflicting stakeholder priorities across MBL, balancing delivery speed with compliance to safely accelerate product launches.
- Responsible for the feedback loop within Operations and other business areas for continuous improvement of the process.
Compliance Assurance Manager (acting head of)
Monzo
2020.03 - 2021.09
- Stepped up to lead the Compliance Assurance team during operational restructures, successfully drafting and securing executive approval for the Annual Assurance Plan while maintaining operational continuity.
- Oversaw and executed high-impact thematic reviews and deep-dive conduct risk testing across core product journeys, identifying systemic regulatory gaps and leading on actionable remediation plans.
- Strategically managed senior stakeholders with conflicting priorities, to agree a remediation plan whilst balancing the commercial drive to ship fast.
Compliance Assurance Manager
M&G Investments
2017.09 - 2019.12
Compliance Assurance Manager
Think Money Ltd
2015.03 - 2017.09
Education
Bachelor of Arts - Business
University of Central Lancashire
PrestonSkills
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Strategic planning
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Leadership
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Exec level stakeholder management
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Committee secretariat
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Managing change
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Financial Regulations
Accomplishments
Distinction - ICA Conduct Risk Certificate
Merit - ICA Governance, Risk and Compliance Diploma
Founder and Director of a Community Interest Company to support women with mental health struggles
Timeline
Product Risk Transformation Senior Manager
Monzo
2026.04 - Current
Senior Change and Product Governance Manager
Monzo
2021.09 - 2026.04
Compliance Assurance Manager (acting head of)
Monzo
2020.03 - 2021.09
Compliance Assurance Manager
M&G Investments
2017.09 - 2019.12
Compliance Assurance Manager
Think Money Ltd
2015.03 - 2017.09
Bachelor of Arts - Business
University of Central Lancashire