Cardiff, London OR UK Remote | ????£86,000 - £100,000  + Benefits | Hear from the team ✨????

Like any other regulated bank, we need to make sure we are managing our risks and controls, and are fully compliant with our regulation. At Monzo we want to do so while continuing with our agile “test and learn” approach to launching products. 

We’re looking for two Senior Risk & Control Managers to join our growing Risk & Control Discipline (RCD).  One role will support our FinCrime teams which are made up of Analysts, Investigators, engineers, data scientists and machine learning specialists  - all working to protect Monzo’s customers from financial crime. The other will support our Platform & Data teams (Technology Risk). Our Platform Collective supports Monzo’s technology infrastructure, cyber security and data platforms. In particular, you’ll need experience in Technology or Cyber Risk & Control Assessments (including control testing), Audit Management, Regulatory Compliance and Issue & Action management is preferred.

????You’ll play a key role by…

• Working with teams across the first line in Monzo to share guidance on how to ensure we are not only compliant with regulations, but also fostering a culture of rigorous thinking and careful controls that distinguish us in both banking and technology.
• Making sure key risk indicators are well-defined and understood in a timely manner, incidents are managed, MI and reporting packs are created, and risk & control assessments are completed. 
• Driving awareness of all of the governance related initiatives (issues, incidents & actions) and regulatory or audit deadlines to make sure we don’t miss anything
• Partnering with teams to help develop new products, processes, controls and features by embedding good regulatory compliance and risk practices
• Leading risk assessments (RCSA) in the 1st line and drives actions to address the root causes that persistently lead to operational risk losses by challenging both historical and proposed practices.
• Providing challenge and guidance to ensure appropriate remedial actions are in place where deficiencies (Issues) are identified.
• Escalating, managing and reporting control issues with transparency and creating a positive risk culture

????We’d love to hear from you if …

• You are an experienced risk professional with 1st line risk experience within a UK bank, financial services company,  or fintech
• You have Technology risk OR Financial Crime risk experience and a deep understanding of Technology or Financial Crime controls.  
• You have managed people within a risk & Controls environment
• You have experience leading Risk Assessments, Incident Management and Issue & Action Management

• You have a good understanding of industry risk standards and practices;
• You have experience managing multiple deadlines through to completion and have excellent attention to detail;
• Are excited about helping Monzo scale in a compliant, thoughtful and controlled way;
• You’re resilient and comfortable working in a fast paced and ambiguous environment where the day to day job is constantly evolving and changing;
• You are hands-on and great at execution;
• You are able to meet people where they are at and become a bridge between internal teams and represent Monzo before auditors, regulators and our board;
• You are a self-starter and autonomous, able to make prioritisation decisions 

Above all, we are looking for people that are excited by what we are doing at Monzo ????

???? What’s in it for you

????£86,000 - £107,000 (dependent on experience) ➕share options.

????This role can be based in our London office, but we're open to distributed working within the UK (with ad hoc meetings in London)

⏰ We offer flexible working hours and trust you to work enough hours to do your job well, and at times that suit you and your team. 

???? £1,000 learning budget each year to use on books, training courses and conferences.

???? We will set you up to work from home; all employees are given Macbooks and for fully remote workers we will provide extra support for your work-from-home setup. 

➕ Plus lots more! Read our full list of benefits.

????Please Note: A recruiter may reach out to you over the festive season to arrange a chat, however formal interviews will commence in January 2025.

????The application journey has 3 key steps

• Short call with a Monzo recruiter
• Video-call with the Hiring Manager (30 mins)
• Full-Loop (2 x video-call Interviews (45 - 60 mins)

This process should take around 2-3 weeks - your schedule is really important to us, so we promise to be as flexible as possible! 

We have some guidelines on using Artificial Intelligence (AI) to ace an application and interview at Monzo. You can read them here.

You’ll hear from us throughout the application process, but if you’ve got any questions, please reach out to business-hiring@monzo.com You can also use this email address to let us know if there’s anything we can do to make the process easier for you because of disability, neurodiversity or anything else.

⏳We’ll only close this role once we have enough applications for the next stage. Please submit your application as soon as possible to make sure you don’t miss out.

#LI-REMOTE #LI-MY1

????London or Remote UK | ???? up to £65,000 + Benefits | Hear from the team ✨

An exciting role has opened up in our Legal & Board Governance Collective for a strong business manager with a drive to deliver and a keen interest in sustainability and commercial management.  We are looking for an experienced business manager who enjoys getting involved with a variety of different projects, whilst also owning and managing a number of business as usual  processes.

In this role, you will directly support the Director of Sustainability in achieving Monzo’s environmental ambitions and indirectly support a number of senior Legal & Board Governance colleagues in their commercial management processes.  The right candidate will enjoy collaborating with a wide variety of colleagues, working with new and evolving information and has a talent for pulling together large volumes of data and information into actionable plans that are aligned with Monzo’s company goals.

???? You’ll play a key role by…

• Collaborating with colleagues across the Sustainability Working Group, Legal & Board Governance Collective and wider organisation to drive impact and help unblock any challenges
• Keeping pace with new and evolving environmental and climate related rules and regulations that inform Monzo’s obligations and commitments
• Ensuring that Monzo’s Sustainability Working Group initiatives are progressed against plan and that risks and opportunities are identified, assessed and managed
• Owning and leading ad-hoc initiatives for the Sustainability Working Group, from scoping through to execution
• Refreshing and updating Monzo’s sustainability related information that is published online
• Preparing senior stakeholder presentations, including Board materials, as well as strategic and ad-hoc communications
• Preparing management information, insights and reporting that support commercial decision making across the Legal & Board Governance Collective
• Identifying continuous improvement opportunities in the commercial processes for the Legal & Board Governance Collective and working with our Finance team and external law firm partners to implement any changes

???? We’d love to hear from you are…

• Inquisitive, with highly analytical skills and quantitative thinking - you should be comfortable with spreadsheets and other analytics tools
• A problem solver with critical thinking abilities who has demonstrated taking initiative to improve the way things are done
• Great at engaging, collaborating and influencing people at different levels across different areas and able to thoughtfully and constructively challenge the people you work with
• Interested in sustainability and corporate decarbonisation strategies in particular.  Hands-on experience with shaping and executing decarbonisation strategies is a bonus.
• Experienced with budget management and comfortable with reading financial statements.  Hand-on experience with in-house legal spend and budgeting is a bonus.
• Someone with at least 8+ years of work experience in complex organisations with a proven track record of driving outcomes
  
  

  The Interview Process:

  Our interview process involves 3 main stages: 

  • Call with our Hiring Team, followed by an initial call with the hiring manager
  • 1 hour Role Specific Interview
  • 1 hour Behavioural Interview

  Our average process takes around 2-3 weeks but we will always work around your availability. You will have the chance to speak to our recruitment team at various points during your process but if you do have any specific questions ahead of this please contact us on business-hiring@monzo.com.

  What’s in it for you:

  ???? Up to £65,000 salary dependant on experience ➕ stock options ➕ benefits 

  ????This role can be based in our London office, but we're open to distributed working within the UK (with ad hoc meetings in London).

  ⏰ We offer flexible working hours and trust you to work enough hours to do your job well, at times that suit you and your team.

  ???? Learning budget of £1,000 a year for books, training courses and conferences

  ➕ And much more, see our full list of benefits here

  If you prefer to work part-time, we'll make this happen whenever we can - whether this is to help you meet other commitments or strike a great work-life balance.

  #LI-TK1

????London or Remote in the UK | ???? £85,000-£108,000 ➕plus stock options &  Benefits | Product at Monzo | Hear from the team

???? We’re on a mission to make money work for everyone

We’re here to make money work for everyone and we're doing things differently. For too long, banking has been obtuse, complex and opaque.

We want to change that and build a bank with everyone, for everyone. Our amazing community suggests features, test the app and give us constant feedback so we can build something everyone loves.

We're focused on solving problems, rather than selling financial products. We want to make the world a better place and change people's lives through Monzo.

About Subscriptions Partnerships

We’re looking to hire a Product Manager to join our Subscriptions team!

This team is responsible for all of our subscriptions products, including the recently launched Extra, Perks and Max!

The number of subscribers has grown substantially over the last few years since launch, and we’re now looking to scale and accelerate them through the next phase of growth, and our partnerships are the key to drive that!

What you’ll be working on:

As a Product Manager for Subscriptions, you’ll ensure that we continue to meet and exceed the needs and expectations of our subscribers, delivering more value to them and driving continued engagement. You’ll own and drive our partnership work, which is a key part of our value proposition. 

That means you’ll:

• Create a product strategy for your area, balancing work to create long-term growth and engagement, and work to hit short-term targets.
• Collaborate with engineering, design, data, user research, partnerships and marketing to identify and validate new opportunities. Work with them to ensure projects are delivered on time and as planned, as well as with legal, compliance and regulatory affairs where relevant
• Lead the planning process and associated roadmap prioritisation ensuring alignment within the team and with wider business goals and objectives. 
• Create delightful experiences that solve user needs and pain points.
• Work with partners to integrate into their experiences.
• Communicate effectively. You get people inspired by the product vision and you share the right context with the right people at the right time.

You should apply if:

• You’ve shipped world-class products at a fast growing company.
• You have a track record of building market-leading value propositions that drive significant growth and engagement.
• Ideally, you’ve worked with partners before and have experience in integrations.
• You're data-driven and commercial. You have a proven track record of making an impact through experimentation and optimization.
• You can work effectively with a diverse range of people and working styles - spanning engineering, design, data, user research, marketing, partnerships, legal and compliance - to get stuff done.
• You’re able to motivate, energise and inspire people towards a common goal.
• You’re passionate about building value for customers and not just achieving business results.
• You’re intellectually honest about your work's performance, continually striving for improvement. 
• You can systematically break down and solve complex problems.
• You’re able to make good decisions in complex situations where there’s often no “right answer”. 
• You have the urge and resilience to challenge the status quo and make things better, and are full of creative ideas for how to do so.
• You’re a fast learner, humble and curious, and enjoy learning every day and sharing your knowledge and experience.
• You’re excited by what we’re doing at Monzo, especially the current account. 

The interview process:

Our interview process involves 4 main stages: 

• Recruiter Call 
• Initial Call with Hiring Manager 
• Final Loop, consisting of x3 hour long interviews to assess Project Walkthrough, Case Study and Leadership.
• A final stage with a VP or CPO within the Product team

Our average process takes around 5-6 weeks but we will always work around your availability. You will have the chance to speak to our recruitment team at various points during your process but if you do have any specific questions ahead of this please contact us on tech-hiring@monzo.com

What’s in it for you:

????£85,000-£108,000 ➕ plus stock options & benefits 

✈️ We can help you relocate to the UK

✅ We can sponsor visas.

????This role can be based in our London office, but we're open to distributed working within the UK (with ad hoc - at least monthly - meetings in London).

⏰ We offer flexible working hours and trust you to work enough hours to do your job well, at times that suit you and your team.

???? Learning budget of £1,000 a year for books, training courses and conferences

➕ And much more, see our full list of benefits here

If you prefer to work part-time, we'll make this happen whenever we can - whether this is to help you meet other commitments or strike a great work-life balance.

????London, Cardiff or Remote (UK) | ???? £86,000 - £100,000 (dependent on experience) + Benefits | Hear from the team ✨

⭐️ Our Risk and Controls team

Like any other regulated bank, we need to make sure we are managing our risks and controls, and are fully compliant with regulation. But at Monzo, we want to do so while continuing with our agile “test and learn” approach to launching products our customers love. We are looking for a Risk & Controls Manager to help us further embed our conduct risk framework (especially Consumer Duty) across the business.

???? You’ll play a key role by...

• Support the business in developing and enhancing controls that protect our customer and business needs now and in the future
• Use data to demonstrate we are delivering good customer outcomes 
• Develop briefings for Executive and Board level review, including our annual Consumer Duty board report
• Lead regulatory responses and briefings
• Ensure the first line proactively consider and incorporate Consumer Duty requirements in products and features 
• Innovate and improve on the effectiveness of governance and risk management process to ensure they work forMonzo
• Embed robust regulatory, conduct, and operational risk practices and culture
• Foster positive and collaborative relationships across the three lines of defence
• Ensure governance-related requirements are met 
• Coordinate conduct risk governance and oversight meetings
• Responsible for coordinating and supporting the first line in “business as usual” activities to comply with the Consumer Duty
• Manage and report on the risk and control environment (risks, controls, issues, incidents, remedial actions, etc)
• Manage regulatory and audit deadlines and submissions

????Please note - We are looking someone who can manage senior conduct risk, whilst still getting hands-on and 'doing the do' in an individual contributor capacity ????

????We’d love to hear from you if…

• You have a comprehensive understanding The Consumer Duty and how it practically applies day-to-day
• You have hands-on, practical experience with:
• Implementing and embedding The Consumer Duty in a pragmatic way - including building new, and improving existing, processes and tools that are easy to understand and use for people who may not be in the detail of the Duty
• Co-ordinating activity and driving consistency in how the Duty is being embedded across Monzo and different teams
• Using data to create monitoring at an appropriate level to give visibility and meaningful insights
• You have experience with embedding conduct risk in the day-to-day
• You have experience with organising and managing risk governance meetings / committees, and collating data and writing supporting commentary
• You have considerable risk and control experience with consumer financial products in a regulated environment - including experience with RCSAs, control testing, and issue and action management
• You’re excited about helping Monzo scale in a compliant, thoughtful, and controlled way
• You’re resilient and comfortable working in a fast-paced and ambiguous environment where the day-to-day job is constantly evolving and changing
• You are a self-starter, and able to work independently and make prioritisation decisions

The Interview Process:

Our interview process involves 4 main stages: 

• Short call with a recruiter 
• 30 minute video-call call with the hiring manager
• 2 x 60 minute interviews conducted via GoogleMeet

Interviews will commence in January 2025 ???? Chats with the hiring team may still happen over the festive period ????

Our average process takes around 2-3 weeks but we will always work around your availability. You will have the chance to speak to our recruitment team at various points during your process but if you do have any specific questions ahead of this please contact us on business-hiring@monzo.com

We will close this advert once we have enough applications - please submit your application as soon as possible to make sure you don’t miss out ???? 

Thinking about using AI in your application? Check out our guidance here ???? 

What’s in it for you:

???? £86,000 - £100,000 ➕ plus stock options & benefits 

????This role can be based in our London office, but we're open to distributed working within the UK (with ad hoc meetings in London).

⏰ We offer flexible working hours and trust you to work enough hours to do your job well, at times that suit you and your team.

???? Learning budget of £1,000 a year for training courses and conferences ➕ And much more, see our full list of benefits here

???? We will set you up to work from home; all employees are given Macbooks and for fully remote workers we will provide extra support for your work-from-home setup.

#LI-REMOTE

#MY-1

????Cardiff, London or Remote (UK) | ????£86,000 - £100,000 + Benefits 

⭐️ About our Risk & Control team:

We're looking for a senior leader to join Monzo’s ever growing, high performing Risk & Control team! The team provides support, advice and insight to our Accountable Executives in managing their risks. Relationships with them are owned by our Risk Partner teams. This role sits in our central Enablement function, responsible for providing data, systems, and insight to empower our Risk Partners. You’ll lead the Controls team of professionals who:

• manage a programme of controls effectiveness testing;
• provide advice on how to optimise our control suite to ensure that Monzo grows safely and that risks are managed as expected; and
• consistently deliver improved ways of monitoring Monzo’s control performance    

???? Your day-to-day   

• Lead on our programme to embed improved, risk-based controls monitoring across Monzo
• Lead on our initiative to consider the optimal operating model for controls testing and monitoring, considering how we can further improve the team’s service for its customers in a way that scales as Monzo grows
• Lead a team of specialists with good knowledge of Monzo, its ways of working and processes to provide excellent customer service to users of control monitoring outputs from across the 3 lines of defence
• Lead the team to deliver on its agreed control testing plans, reporting on findings to stakeholders and helping them to scope improvement activities (if applicable)
• Use your commercial awareness to help understand and solve controls-related problems with the greatest business impact
• Work with our Risk Data and Platform teams to improve the actionable insights from the team’s activities, driving a culture of control consciousness across Monzo

We’re looking for someone who cares deeply about understanding our business, customers and risks, who can communicate their findings clearly to business partners and can drive actions on top of insights.

????We’d love to hear from you if…

• What we’re doing here at Monzo excites you!
• You're impact driven and eager to have a really positive impact on the company, product, users and very importantly your colleagues as well
• You’re a strategic leader with experience of leading initiatives to improve adoption of technology and data solutions
• You have experience of leading a team of highly qualified specialists 
• You're commercially minded and can help to put controls into business perspective
• You’re as comfortable getting hands-on as taking a step back and thinking strategically
• You have a self-starter mindset; you proactively identify issues and opportunities and tackle them without being told to do so
• You're a team player whom your colleagues can rely on, able to build relationships with folks across our 3 lines of defence
• You have solid grounding risk and control processes 

The Interview Process ????

Our interview process involves three main stages: 

• Chat with a member of the hiring team
• Initial call with the hiring manager
• 2-part final stage interview (Technical & Behavioural) with members from the wider team

Our average process takes around 2-3 weeks but we will always work around your availability. You will have the chance to speak to our recruitment team at various points during your process but if you do have any specific questions or want to talk through reasonable adjustments ahead of or during application please us at any point on business-hiring@monzo.com 

We have some guidelines on using Artificial Intelligence (AI) to ace an application and interview at Monzo ???? You can read them here.

We’ll only close this role once we have enough applications for the next stage. Please submit your application as soon as possible to make sure you don’t miss out.

???? What’s in it for you:

????This role can be based in our London or Cardiff office, but we're open to distributed working within the UK (with ad hoc meetings in London).

⏰ We offer flexible working hours and trust you to work enough hours to do your job well, at times that suit you and your team.

????Learning budget of £1,000 a year for books, training courses and conferences

➕And much more, see our full list of benefits here

#MY-1 #LI-REMOTE

????London or Remote UK | ????£120,000 to £160,000  +Benefits|Product at Monzo|Hear from the team

About the team:

Core Banking is responsible for the current account used by 10 million customers. That includes creating compelling value propositions for different audiences (including Personal, Joint, Under 16s and 16 - 17 accounts), growing Subscriptions (Extra, Perks and Max), and optimising the overall app structure and experience to help customers get the most out of Monzo.

????We’re now gearing up for our next phase of growth, from 10 million to 20 million customers. As we launch more and more financial products, and our customers’ financial lives become more complex, personalising the experience is a key priority.

What you’ll be working on:

As a Product Director for App Experience, you’ll lead and develop a team of Product Managers to define and deliver a strategy that helps customers make the most of Monzo. You’ll help build the platform, capabilities and app structure needed to optimise a customer’s in-app experience and engagement. 

What you'll do:

• Lead the charge: drive Monzo's product vision and strategy, ensuring alignment with our business goals.
• Collaborate seamlessly: partner with engineering, design, data marketing, and other teams across Monzo to have impact.
• Deliver exceptional products: define, deliver and measure the impact of customer-focused personalisation and discovery experiences.
• Work with cross-functional partners (engineering, design, data, user research and marketing) as well as with legal, compliance and regulatory affairs where relevant, to deliver at pace.
• Communicate effectively: you get people inspired by the product vision and you share the right context with the right people at the right time.

You should apply if you:

• You are a seasoned product leader, and have led high-performing teams to ship world-class customer-facing products at a fast growing company.
• You have a track record of leading consumer personalisation and discovery efforts (for example, search or recommendation systems) that drive significant value for customers and the business. 
• You're data-driven and commercial, and have a track record of collaborating with machine learning experts or data scientists to define key metrics, run experiments, and deliver business impact.
• You can systematically break down and solve complex problems.
• You have good judgement, and you’re able to make good decisions in complex situations where there’s often no “right answer”. 
• You have the urge and resilience to challenge the status quo and make things better, and are full of creative ideas for how to do so.
• You can work effectively with a diverse range of people and working styles - spanning engineering, design, data, user research, marketing, legal and compliance - to get stuff done.
• You’re a great storyteller, who is able to motivate, energise and inspire people towards a common goal.
• You’re passionate about building value for customers and not just achieving business results, and are excited about our mission at Monzo.
• You’re intellectually honest about your work's performance, continually striving for improvement. 
• You’re a fast learner, humble and curious, and enjoy learning every day and sharing your knowledge and experience.
• You’ve managed other PMs, have the ability to coach others, and can provide clear and constructive feedback to your team and other disciplines.

The interview process:

Our interview process involves 4 main stages: 

• Recruiter Call 
• Initial Call with Hiring Manager 
• Final Loop, consisting of x3 hour long interviews to assess Project Walkthrough, Case Study and Leadership
• A final stage with a VP or CPO within the Product team

Our average process takes around 5-6 weeks but we will always work around your availability. You will have the chance to speak to our recruitment team at various points during your process but if you do have any specific questions ahead of this please contact us on tech-hiring@monzo.com

What’s in it for you:

???? £120,000 to £160,000 depending on experience ➕ stock options & benefits 

✈️ We can help you relocate to the UK 

✅ We can sponsor visas 

????This role can be based in our London office, but we're open to distributed working within the UK (with ad hoc meetings in London).

⏰ We offer flexible working hours and trust you to work enough hours to do your job well, at times that suit you and your team.

???? Learning budget of £1,000 a year for books, training courses and conferences

➕ And much more, see our full list of benefits here

If you prefer to work part-time, we'll make this happen whenever we can - whether this is to help you meet other commitments or strike a great work-life balance.

????London or Remote (UK) | ???? This is a unique role, we’re open to discussions around base salary + stock options + Benefits

Engineering at Monzo

We’re looking for a creative, entrepreneurial and impact-focused Senior Director of Engineering to help us build one of the best, and most innovative digital banks in the world. 

As a Senior Director, you’ll start by leading an organisation of ~50 Engineers and Engineering Leaders, which will continue to grow over the next 18 months. You’ll be leading our core consumer app at Monzo focusing on user acquisition, engagement, and personal banking product growth. 

We’re aiming to be the app where our customers' financial lives are centered and they can get full transparency, visibility and control over their money. This role is fundamental to achieving this mission and making money work for everyone. You’ll build the foundations for a personalised financial experience, leveraging machine learning to improve our search, discovery, and personalisation features. 

You should apply if you have:

• You have led teams delivering personalisation, recommendation, or search products, and have a strong grasp of how these products are executed successfully.
• You have experience leading an organisation of 50-100 individuals (including experience managing Engineering Leaders, ideally at Director level). 
• You are someone who regularly pushes senior leaders to get to better solutions by challenging our thinking, based on data. 
• You’ve got over a ten year track record of shipping successful, customer-centric digital products in a consumer tech company. 
• You make good decisions in complex situations where there’s often no “right answer”.
• You’re comfortable using data to ground your thinking in analysis, can identify key metrics and their drivers and evaluate the success of your work.
• You can work effectively with a diverse range of people and working styles to get stuff done, and are able to thoughtfully and constructively challenge and influence the people you work with.
• You’re able to quickly build trust and enable your teams to be high performing. 
• You have experience empowering marketing teams to succeed at paid acquisition channels, including a basic understanding of attribution and LTV estimation techniques.

The interview process:

Our interview process involves 3 main stages: 

1. Recruiter Call (30 mins) You'll meet our Engineering Hiring Lead to discuss your experience and learn more about Monzo. They'll be your partner and guide throughout the interview process.
2. Initial Call (1 hour) You'll meet with one of our VPs of Engineering. They'll ask about your previous experience, in particular people, product, and technical leadership. They’ll also make time to tell you about Monzo and answer your questions. 
3. Loop Stage (4 hours) The Loop stage is one stage that consists of 4 x 60 min interviews that take place over 1-2 days (depending on your availability).

At all stages we’ll create space for you to ask as many questions as you have, you’re interviewing us as well!

Our average process takes around 3-4 weeks but we will always work around your availability. You will have the chance to speak to our recruitment team at various points during your process but if you do have any specific questions ahead of this please contact us on tech-hiring@monzo.com.

What’s in it for you:

????This is a unique role, we’re open to discussions around base salary + stock options & benefits 

✈️ We can help you relocate to the UK  

✅ We can sponsor visas

????This role can be based in our London office, or we're open to distributed working within the UK (with ad hoc meetings in London).

⏰ We offer flexible working hours and trust you to work enough hours to do your job well, at times that suit you and your team.

????Learning budget of £1,000 a year for books, training courses and conferences

➕And much more, see our full list of benefits here

#LI-EP1 #LI-REMOTE

UK Hybrid | ????£105,000 - £135,000 + Benefits

Our Specialist Services team is undergoing a period of transformation as we continue to implement enhanced strategies and product initiatives to support Vulnerable customers at Monzo and we’re looking for a Director of Vulnerable customers to lead the operational teams, policies and strategy.

At Monzo we believe in supporting customers with Vulnerable needs and this is at the heart of what we do.  This philosophy is at the core of our customer service and experience ethos.  We prioritise our customers' well-being by providing clear and easily accessible information about their finances, empowering them to make informed decisions and take control of their money.

We understand that everyone's financial situation is unique, and we’re committed to creating a safe space where our customers feel comfortable discussing their vulnerabilities and seeking assistance when needed. Our supportive approach uses a friendly and approachable tone of voice, ensuring that our customers feel understood, respected, and supported throughout their financial journey with us. By prioritising Vulnerable Customers, we aim to redefine banking and promote a positive and inclusive environment for all.

At Monzo we are committed to delivering exceptional customer experience through innovative product design, and we want to apply the same philosophy to how we support customers with Vulnerable needs.  You will manage a team of operational managers, and strategy managers to create supportive experiences that deliver better customer outcomes.

You will report directly to the Senior Director of Specialist Services and lead the VAIB team (Vulnerability, Accessibility, Inclusivity and Bereavement). The operational team is responsible for ensuring we have the right conversations with customers at the right time to ensure we deliver good customer outcomes.  The successful person will drive forward our strategic thinking around vulnerability, accessibility and financial inclusion and will help to leverage new insights and opportunities emerging in this space whilst scaling the operations safely and efficiently. You will partner with operations and tech leadership to deliver on a robust Monzo wide strategy, balancing the needs of our operational team through this period of change.

How you’ll contribute:

• Leading the Vulnerable support team, scaling and vulnerable customer operations and accountable for key performance metrics; productivity, quality, team performance, service and costs enabling the safe delivery of change into the operation to allow us to scale and grow at pace
• Driving improvements in efficiency and customer experience with a high focus on quality and good customer outcomes
• Enhancing our vulnerable customers strategy, leveraging technology and new ways of working that drive improvements in our customer experiences and support improvements in accessibility and financial inclusion
• Exploring our use of channels and the channel mix we use to serve our customer needs

You should apply if:

• You’re an experienced Operations Director working within a UK bank or financial services company (including FinTech)
• You have deep subject matter expertise in customer vulnerability, accessibility, financial inclusion 
• You have experience in leading complex operational teams for a regulated lender
• You have deep knowledge of UK consumer credit regulations
• You have track record of delivering strategies in a complex operational environment
• You are comfortable working in a fast-moving and changing company you can influence senior stakeholders and have a track record of solving complex problems and driving operational improvements that have real tangible impact
• You are comfortable leading large multi site operations and have a track record of developing high performing teams and delivering outstanding results
• You're resilient and comfortable working in a fast paced environment where the day to day job is constantly evolving and changing
• You’re hands-on and great at delivery & execution

The interview process:

Our interview process involves 4 main stages: 

• Recruiter call
• Technical interview
• Behavioural interview
• Final interview with Senior Director of Specialist Services

Our average process takes around 3-6 weeks, possibly longer with the upcoming Festive season. You will have the chance to speak to our recruitment team at various points during your process but if you do have any specific questions ahead of this please contact me on NinaEbanks@monzo.com.

Please also use that email to let us know if there's anything we can do to make your application process easier for you, because of disability, neurodiversity or any other personal reason.

What’s in it for you:

???? £105,000 - £135,000 ➕ plus stock options & benefits 

????This role can be based in our London office, but we're open to distributed working within the UK (with ad hoc meetings in London).

⏰ We offer flexible working hours and trust you to work enough hours to do your job well, at times that suit you and your team.

???? Learning budget of £1,000 a year for books, training courses and conferences

➕ And much more, see our full list of benefits here

#LI-REMOTE #LI-NE

????London or Remote UK | ????circa £72,000 + Benefits | Hear from the team ✨

Internal Audit

Internal Audit is Monzo’s Third Line of Defence, and we’re here to help Monzo grow safely.  We’re looking for a passionate Technology Audit Manager to help cover Monzo’s technology platform, information security, data protection and data management risks.  

You’ll be working alongside a Technology Senior Audit Manager, and report into the Head of Audit for Technology, Operations and People.     

Your day-to-day

You will: 

• Deliver against the technology audit plan covering Platform, Security and Data.
• Form an independent view of the Platform, Security and Data risks facing Monzo, and how this evolves as the company scales – in customers, products, geographies.  
• Build strong relationships with key stakeholders, and develop a deep understanding of Monzo’s technology stack.
• Embed data in our core processes to inform what we do, and how we do it.   
• Support internal audit processes, including audit universe refresh, risk assessments and capacity planning.
• Monitor and check if internal audit issues are addressed.   
• Make sure the principles of integrity, objectivity, confidentiality, and competency are applied and upheld.

You should apply if you:

• Can quickly and constantly learn about new technologies and tools. 
• Are a self starter who can adapt to, and is comfortable with, change.   
• Have a relevant audit or assurance related qualification – such as Certified Internal Auditor (CIA), Certified Information Systems Auditor (CISA), Certified Information Security Manager (CISM). 
• Have expertise in technology platform, information security, data protection or data management risks and regulations.   

The Interview Process:

Our interview process involves 4 main stages: 

• Call with our Hiring Team
• Role Specific Interview
• Behavioural Interview
• Call with our Chief Internal Auditor

Our average process takes around 2-3 weeks but we will always work around your availability. You will have the chance to speak to our recruitment team at various points during your process but if you do have any specific questions ahead of this please contact us on business-hiring@monzo.com.

What’s in it for you:

???? Circa £72,000 salary dependant on experience ➕ stock options ➕ benefits 

????This role can be based in our London office, but we're open to distributed working within the UK (with ad hoc meetings in London).

⏰ We offer flexible working hours and trust you to work enough hours to do your job well, at times that suit you and your team.

???? Learning budget of £1,000 a year for books, training courses and conferences

➕ And much more, see our full list of benefits here

If you prefer to work part-time, we'll make this happen whenever we can - whether this is to help you meet other commitments or strike a great work-life balance.

????Remote | ???? £34,000 - £44,000 + Benefits | Hear from the team ✨ 

⭐Our People team

The Employee Relations Advisor (referred to as People Advisor internally), works in partnership with others in the People collective to create positive working relationships between Monzo and its people. They support managers to ensure they are skilled to manage various employee relations (ER) issues in their teams, in line with Monzo’s People Policies, applying consistency and fairness throughout.

????You’ll play a key role by...

• Provide timely advice to managers to help them resolve ER issues fairly and consistently, in line with Monzo’s People policies and agreed service levels;
• Ensure all formal ER cases are logged and managed accurately in the case management system;
• Develop, communicate and implement Monzo-wide People policies and procedures, and ensure existing policies are fit for purpose and comply with all relevant legislation;
• Proactively analyse and use People data to highlight trends and make suggestions to improve engagement and reduce risk;
• Design, deliver and facilitate relevant ER training to managers;
• Provide note-taking support in formal ER cases, where required;
• Stay up-to-date with legislation changes and industry trends and make recommendations for change where required;
• Support other tasks, projects or initiatives in the People collective, where required.

????We’d love to hear from you if…

• You have experience in managing a high volume caseload of varied and complex ER cases , including sickness absence, disciplinary, grievance, performance and appeals. 
• You have a detailed understanding of employment law and ER best practice;
• You’re confident managing conflict and giving advice that others may disagree with;
• You’re able to build strong, trusting relationships with multiple stakeholders at various levels of seniority;
• You’re highly organised, able to multitask, and comfortable working with changing priorities;
• You’re passionate about providing empathetic, kind people experiences even in the toughest of circumstances;
• You love problem solving and getting to the root of problems in a fair, consistent, and timely manner;

It would also be great, but not essential, if you:

• Have experience working in a fast-paced FinTech or Financial Services business;
• Are CIPD qualified;
• Have experience with Google Suite and Slack

????What’s in it for you

????£34,000 - £44,000 ➕ share options.

????This role can be based remotely anywhere in the UK, or our London or Cardiff office

⏰We offer flexible working hours and trust you to work enough hours to do your job well, and at times that suit you and your team. 

????£1,000 learning budget each year to use on books, training courses and conferences.

????We will set you up to work from home; all employees are given Macbooks and for fully remote workers we will provide extra support for your work-from-home setup. 

➕ Plus lots more! Read our full list of benefits.

???? The application journey has 3 key steps

1. Application questions
2. Recruiter call
3. Role specific and Values interview

This process should take around 2-3 weeks, however due to festive holidays this may be longer - your schedule is really important to us, so we promise to be as flexible as possible! 

You’ll hear from us throughout the application process, but if you’ve got any questions, please reach out to hiring@monzo.com. You can also use this email address to let us know if there’s anything we can do to make the process easier for you because of disability, neurodiversity or anything else.

We’ll only close this role once we have enough applications for the next stage. Please submit your application as soon as possible to make sure you don’t miss out. 

If you’d prefer to work part-time, please let us know and we'll make this happen if we can.

#LI-REMOTE#LI-DR

????London / UK Remote | ???? Senior Engineer II (L60) £115,000 - £150,000 + Benefits|Technology- Engineering | 

About our Engineering Teams:

We have around 300 engineers out of roughly 2,500 people in total - and we have big ambitions. There are many interesting challenges ahead, and we're happy for people to move between teams or to specialise, whatever you prefer. As an engineer here you'd be able to work directly with anyone across the company, and we run regular knowledge-sharing sessions so you’ll learn heaps about everything from how banks work to effective communication.

We contribute toopen source softwareas much as possible. Ourblogis a good place to learn even more about what we do!

What you’ll be working on: 

We rely heavily on the following tools and technologies:

• Goto write our application code (there’s an excellent interactive Go tutorialhere)
• Cassandrafor most persistent data storage
• Kafkafor our asynchronous message queue
• Envoy Proxyfor RPC
• KubernetesandDockerto schedule and run our services 
• AWSfor most of our infrastructure
• Reactfor internal web dashboards
• We also have two physical datacenter sites with actual cables to connect to various third parties

Your day-to-day   

This role is all about collaborating across disciplines to test hypotheses and make a difference to customers. As a product backend engineer you’ll work in a squad alongside product managers, marketers, user researchers, designers, mobile engineers, web engineers, data analysts, business analysts, writers and more! 

Together you’ll build and support a particular part of Monzo. Our product squads belong to our widercollectives(a word we use to describe self-governing business units of ~100 people). They are; Money, Borrowing, Fincrime, Customer Operations, Platform, Personal Banking & Business Banking. They’re all looking for additional Backend Engineers right now, we do a standard interview process across all our collectives and at the end we will find the best match for you based on your skills, experience, preferences and aligning with the business need! 

Our backend engineers have a variety of different backgrounds. As long as you enjoy learning new things, we’d love to talk to you. We do not ask for formal qualifications or degree requirements for any of our engineering roles.

You should apply if:

• you have strong experience working on the backend of a technology product
• you want to be involved in building a product that you (and the people you know) use every day
• you have a product mindset: you care about customer outcomes and you want to make data-informed decisions
• you’re comfortable working in a team that deals with ambiguity
• you’re interested in distributed systems and writing resilient software
• you have some experience with strongly-typed languages (Go, Java, C, Scala etc.).
• you think you’d enjoy the kind of work we’re doing

We're on the look out for L60 Engineers at the moment, you can read more in our Engineering Progression Framework we are also hiring on L40 & L50, our interview process will determine your levelling. 

The Interview Process:

Our interview process involves three main stages: 

1. Initial Call 
2. Take home task or pair coding exercise 
3. Final interview including a system design and a behavioural interview 

Our average process takes around 2-3 weeks but we will always work around your availability. You will have the chance to speak to our recruitment team at various points during your process but if you do have any specific questions ahead of this please contact us ontech-hiring@monzo.com 

One of our engineers has written a detailed blog on their experience through this process, for extra details, hints and tips please seehere.

What’s in it for you:

???? £115,000 - £150,000 base salary ➕ plus stock options 

✈️We can help you relocate to the UK 

✅ We can sponsor visas.

????This role can be based in our London office or remotely across the UK (with ad hoc meetings in London).

⏰We offer flexible working hours and trust you to work enough hours to do your job well, at times that suit you and your team.

????Learning budget of £1,000 a year for books, training courses and conferences

➕And much more, see our full list of benefitshere 

We're usually always hiring for Backend Engineers, so there's no closing date for this job.

#LI-Remote

#LI-HJ1

UK Remote ???? £48,000 to £65,000 + Benefits | Hear from the team ✨

We’ll close this role once we have enough applications for the next stage. Please submit your application as soon as possible to make sure you don’t miss out.

What you’ll be doing:

We have an amazing opportunity for an Operations Manager in Financial Health to support our leadership team on a 12 month fixed term basis. 

Monzo’s mission is to make money work for everyone, and this is especially important to us when our customers need help with their Monzo borrowing products, or may be struggling to repay. 

As our lending portfolio grows, we are seeing increasing queries from customers and inevitably from people falling into financial difficulties and who are potentially vulnerable. These conversations/queries/tasks are often technical or sensitive in nature, requiring our Fin Health COps to have a deep level of knowledge on our lending products, the assessment of customers affordability and potential vulnerabilities and how to meet our regulator’s high expectations.

To facilitate this, you’ll have the opportunity to lead teams working on a broad variety of financial difficulties, both customer facing and backoffice. Every person in our team cares deeply about their work and the impact that it can have on Monzo and our customers. 

We work in teams of around 11 people, working on a variety of tasks. Some teams have an additional focus on specific types of work that are more complex in nature, while others have a more diverse set of skills.

Each Operations Manager supports and coordinates the work of their COps. You’ll directly manage around 6 Team Managers, and help them build successful teams and achieve their professional development goals. 

You’ll organise people around you, be a point of escalation, and take appropriate action whenever you see a problem coming - whether it’s a service challenge, a risk associated with a financial difficulties task, or an urgent personal issue. 

You’ll listen to your people, guide them through the challenges associated with scaling a company like Monzo, celebrate their every success, and drive the right outcomes for our customers and Monzo.

You’ll also have responsibility for some disciplinary and grievance matters and work closely with your colleagues in other COps teams and the People team to make sure that we apply these policies fairly across all areas of the COps team.

Your day-to-day

• Partnering closely within Fin Health Group to deliver portfolio performance and changes at pace
• Instilling a culture focused on the completion of accurate, efficient work, and risk-awareness, in a team that needs to be laser-focused on both the customer experience and meeting regulatory requirements
• Impacting how Monzo’s lending products evolve to make sure that we have the customer at the centre of everything we do which hasn’t always been the case in this industry.
• Identifying opportunities for automation and efficiency - driving through changes
• Helping Team Managers excel in their roles by having regular 1:1s, giving and receiving candid feedback, interpreting and acting on management information, coaching through challenging problems.
• Contributing to a high performance culture.
• Running group sessions for leaders, e.g knowledge sharing sessions.
• Support in the interviewing and hiring of new leaders and COps.
• Helping us become an exceptional place to work for the ambitious, highly-motivated, and mission-led COps that we hire.
• Support our UK and SA teams deliver quality outcomes to our Fin Health Customers
• Support our domain in achieving our service levels 

You should apply if:

• You have significant experience working in a leadership position as an existing OM
• Experience in leading teams working in collections or recoveries within the financial difficulties space is preferred but not essential 
• Experience leading back office, technical teams and with 3rd party service providers is highly desired but not essential   
• You’ve led successful, large teams to achieve their goals and have an empathetic leadership style.
• You’re as comfortable working 1:1 as communicating with large groups.
• You empower your people to find solutions themselves.
• You are an effective advocate and communicator of change.
• You can motivate multiple teams working on ongoing operational work.
• You are very hands-on and solve problems when you spot them.
• What we are doing at Monzo excites you!
• You are comfortable working and communicating remotely.

????What’s in it for you

???? £48,000 to £65,000 + Benefits

????£1,000 learning budget each year to use on books, training courses and conferences.

????We will set you up to work from home; all employees are given Macbooks and for fully remote workers we will provide extra support for your work-from-home setup. 

➕ Plus lots more! Read our full list of benefits.

????The application journey has 5 key steps

1. Submit your CV and answer the application questions
2. 30 minute video Recruiter Call
3. Leadership interview
4. Values interviews
5. Final chat with Hiring Manager

We expect that due to the upcoming Festive period, interviews will take place in January 2025.

We have some guidelines on using Artificial Intelligence (AI) to ace an application and interview at Monzo. You can read them here.

You’ll hear from us throughout the application process, but if you’ve got any questions, please reach out to ninaebanks@monzo.com. You can also use this email address to let us know if there’s anything we can do to make the process easier for you because of disability, neurodiversity or anything else.

#LI-REMOTE #LI-NE

????Remote, UK | ???? | £25,200 - £28,000 (depending on the experience displayed in the CV and interview) +Benefits | Hear from the team ✨

Condensed shifts working 4 longer days with 3 days off per week, shifts will be 9am - 7/7:30pm and 11:30am/12 - 10pm, working 4 full weekends in a 12 week rota. 

Please only apply for this role if you have worked in a Fraud role within Financial Services.

????We’re on a mission to make money work for everyone.

We’re waving goodbye to the complicated and confusing ways of traditional banking. 

With our hot coral cards and get-paid-early feature, combined with financial education on social media and our award winning customer service, we have a long history of creating magical moments for our customers!

We’re not about selling products - we want to solve problems and change lives through Monzo ❤️

⭐Our Prevent team

What you'll be doing: The Fraud Investigator role within our Prevent pillar provides vital intervention and response to Monzo customers who are experiencing potential active fraud attempts on their funds across two main channels:

• Authorised card payment fraud 
• Authorised faster payment fraud

* Please note, as part of your role you will be required to make outbound calls.

Our Mission in the Financial Crime & Fraud Collective is to earn and keep our customers’ trust, support Monzo’s safe growth, and contribute to building a safer society. Our Fraud Investigators are crucial to the success of this mission.

????You’ll play a key role by:

Fraud Investigators within our Prevent pillar work within unregulated but critical deadlines.  

Key responsibilities include:

• Gathering evidence from flagged transaction data 
• Use of Monzo’s values to investigate the nature of suspicious transactions with empathy and attention to detail over the phone and via chat
• Use of Monzo’s values to reassure and support customers through the process of identifying active fraud
• Independently make decisions on cases and release or block flagged transactions 
• Collaboratively make decisions on cases and release or block flagged transactions 
• Triaging cases 
• Reviewing limit increase requests from customers
• Submitting accounts for closure where first party concerns are held following investigation (in line with relevant guidance)
• Safeguarding compromised accounts and taking appropriate remedial action to ensure customers can resume safe usage of their Monzo account
• Providing advice and support to victims of fraud on how they can protect themselves in the future
• Completing any post-investigation activity as required

Shifts:

• You’ll need to be available Monday to Sunday between  9am and 10pm, you will work 4 days and have 3 rota’d days off per week. In a 12 week rotation you’ll work 4 full weekends and have 4 weeks of 10pm finishes. 

????We’d love to hear from you if:

• You are able to start on Monday 17th February 2025 and attend 6 weeks training, Monday to Friday 9am to 5:30pm (please note that we do not allow holidays or appointments during training)
• Experience in banking or other financial services such as FOS, HMRC
• A law enforcement background 
• You're great at explaining things to people
• You're excited by our mission of making money work for everyone.
• Excellent English written & verbal communication skills
• Ability to be persuasive and empathetic
• Familiarity with common fraud typologies
• Confidence in investigating and problem solving and confident & concise decision-making
• Ability to work well independently & be collaborative with the wider team
• Values driven approach in line with Monzo’s core values
• You are a UK resident currently living in the UK and have the right to work in the UK.

???? The application journey has 2 key steps:

• some initial application questions (please take your time, we read these carefully!)
• Recruiter call - this is an informal chat and no need to prepare anything!
• A remote interview, lasting approximately 1 hour
• The next start date is Monday 17th February 2025.

Our average process takes around 2-3 weeks. You will have the chance to speak to our recruitment team at various points during your process, but if you do have any specific questions ahead of this please contact us on sophiewalker@monzo.com

????What’s in it for you

• This is a distributed (work from home) role, but you can be based in our Cardiff office if you would prefer to work in an office environment
• Learning budget of £1,000 a year for books, training courses and conferences
• Please note that no holidays or appointments are permitted during the training period

To work remotely you'll also need:

• to work from home in the UK in a safe, private and distraction free environment
• a solid internet connection (download speed - 10mbps; upload speed - 5 mbps)

Equipment:

• We'll provide you with a Macbook laptop on your first day. There's no need to supply your own.
•  You do need to own your own smartphone, this will be needed each time you log into our customer support system.
  
  

Equal Opportunity Statement

Diversity and inclusion are a priority for us and we’re making sure we have lots of support for all of our people to grow at Monzo. At Monzo, we’re embracing diversity by fostering an inclusive environment for all people to do the best work of their lives with us. This is integral to our mission of making money work for everyone. You can read more in our blog, 2023 Diversity and Inclusion Report and 2023 Gender Pay Gap Report.

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

#LI-Remote #LI-SS

????London, Cardiff or Remote (UK)  | ???? £70,000 to £90,000 + Options +  Benefits

Our team:

Our Borrowing business is growing rapidly across both existing products and the planned launch of new initiatives. We aim to create a genuine feel-good factor when it comes to personal credit, and are looking for driven, analytical and creative individuals to help us achieve this goal.

With your experience of developing unsecured retail credit risk strategies and building best in class credit capabilities, you'll help drive the success of Monzo's borrowing propositions. You will be responsible for developing our credit and pricing strategies for one of our unsecured lending products (Flex, personal loans or overdrafts).  You will work with colleagues across teams to make sure we are building profitable lending portfolios and amazing products for our customers.

Your day-to-day:

• Leading initiatives to improve our credit underwriting, boost growth and/or manage portfolio risk.
• Supporting the design and roll-out of new lending strategies by finding patterns in the data and translating these into insights.
• Monitoring the performance of our existing strategies, and iterating to improve them.
• Collaborating with people from engineering, marketing, product, risk and control to design and deliver product changes.
• Developing our credit control and portfolio management frameworks to support our growing portfolios.
• Developing, maintaining and refining our credit models to assess net present value of new lending cohorts to drive strategic business decisions.
• Building, maintaining and owning the database tables and dashboards that provide insights and promote rapid, data-driven decisions.
• Supporting the design and roll-out of new products and customer journeys.
• Assessing how the lending portfolio of particular products will perform over time.
• Mentoring and up-skilling more junior members of the team.

You should apply if:

• You have extensive experience in unsecured retail lending (e.g. personal loans, credit cards, overdrafts, buy now pay later etc.).
• You have a deep understanding of how the unsecured retail lending market works including the impact of pricing dynamics on portfolio performance.
• You have a deep understanding of lending economics and have experience developing and deploying underwriting strategies and credit models.
• You have strong analytical and data capabilities, backed up by technical coding skills. SQL is a must-have, Python and Looker experience is a plus..
• You have a strong understanding of the regulations that apply to lending in the UK.
• You thrive in a fast-paced environment and are keen for the chance to improve our products and help ship changes to our customers
• You are a strong communicator, able to cut through complex problems and articulate decision points, particularly to senior leadership.
• You have experience in project management and coordination across teams.
• You work well collaborating in a team with diverse skill-sets and personality types.
• You are highly motivated and energised by the idea of bringing positive impact to our customers and Monzo.

The interview process:

Our interview process involves 4 main stages:

1. Recruiter call
2. Initial call
3. Take home task
4. Final stage (x3 interviews) consisting of a case study, role specific interview and values interview

Our average process takes around 3-4 weeks but we will always work around your availability. You will have the chance to speak to our recruitment team at various points during your process but if you do have any specific questions ahead of this please contact us on tech-hiring@monzo.com.

What’s in it for you:

???? £70,000 to £90,000 + stock options + benefits

✈️ We can help you relocate to the UK

✅ We can sponsor visas

????This role can be based in our London office, but we're open to distributed working within the UK (with ad hoc meetings in London).

⏰ We offer flexible working hours and trust you to work enough hours to do your job well, at times that suit you and your team.

???? Learning budget of £1,000 a year for books, training courses and conferences

➕ And much more, see our full list of benefits here

#LI-SL1  #LI-Remote

????London or Remote UK | ???? £85,000 to £108,000  + Benefits | Product at Monzo

About Monzo: 

We’re here to make money work for everyone and we're doing things differently. For too long, banking has been obtuse, complex and opaque.

We want to change that and build a bank with everyone, for everyone. Our amazing community suggests features, test the app and give us constant feedback so we can build something everyone loves.

We're focused on solving problems, rather than selling financial products. We want to make the world a better place and change people's lives through Monzo.

About Business Banking and the Visibility & Control Team:

Since its launch four years ago, Monzo Business Banking has been dedicated to delivering the very best of Monzo to small businesses. Today, it's an award-winning service, empowering over 500,000 businesses across the UK. In October, we opened our doors to bigger small businesses, ushering in the next phase of our mission to make money work for businesses.

The Visibility & Control team’s mission covers two areas. First, to help businesses understand their performance and manage their cash flow effectively by providing useful insights and dashboards. And second, to simplify financial admin, such as accounting, through smart integrations with other platforms.

As part of our growth, we’re building a second squad in this space and are looking for a Product Manager to support our ambitious plans and meet the ever-evolving needs of our business customers.

What you’ll be doing: 

• You’ll lead a cross-functional team to design, build and grow products to support our business customers. You’ll do this by building a deep understanding of their needs, as well as what is and isn’t possible from commercial, regulatory, operational and technical perspectives. Using this to set a product strategy.
• You’ll communicate effectively with people at all seniority levels. You’ll get people inspired by the product vision and you’ll share the right context with the right people at the right time.
• You’ll lead planning processes and associated roadmap prioritisation to get your team working on the highest impact priorities that contribute to wider business goals. 
• You’ll work iteratively and collaboratively with design, engineering, research, data science, product marketing, compliance and many others to refine your plan and execute against it effectively.

Your day-to-day   

• Leading workshops with your team to hypothesise solutions to key customer pain points identified in research
• Presenting your latest product strategy to stakeholders at Product Review and gathering feedback and challenge
• Running research calls to better understand how customers run their businesses today, identifying where we’re uniquely placed to help make managing a business easier.
• Researching and understanding market trends, industry best practices, and opportunities for Monzo to pursue
• Breaking down a long-term strategy into clear goals and tracking progress against targets

You should apply if you:

• Have extensive experience shipping successful, customer-centric digital products in a fast-growing company.
• Are passionate about building products that delight customers while driving commercial success.
• Start from first principles, having built products that tackle long-standing customer problems in innovative ways, breaking from industry norms.
• Are data-driven, metrics-focused, and honest about your work’s performance, with a drive for continuous improvement.
• Are creative and capable of teasing out novel ideas and solutions from your team.
• Are comfortable collaborating across design, data, user research, marketing, and engineering disciplines.
• Excel at working with diverse teams and perspectives, thoughtfully challenging and influencing those you work with.
• Communicate clearly and persuasively to a range of audiences, structuring your messages effectively.
• Are a fast learner who is humble, curious, and eager to develop yourself and others.
• Are excited by what Monzo is building

The interview process:

Our interview process involves 4 main stages: 

• Recruiter Call 
• Initial Call with Hiring Manager 
• Experience Loop, consisting of x3 hour long interviews to assess Project Walkthrough, Case Study and Leadership.
• Final chat with a member of our leadership team

Our average process takes around 5-6 weeks but we will always work around your availability. You will have the chance to speak to our recruitment team at various points during your process but if you do have any specific questions ahead of this please contact us on tech-hiring@monzo.com

What’s in it for you:

???? £85,000 to £108,000 depending on experience ➕ stock options & benefits 

✈️ We can help you relocate to the UK 

✅ We can sponsor visas 

????This role can be based in our London office, but we're open to distributed working within the UK (with ad hoc meetings in London).

⏰ We offer flexible working hours and trust you to work enough hours to do your job well, at times that suit you and your team.

???? Learning budget of £1,000 a year for books, training courses and conferences

➕ And much more, see our full list of benefits here

????London or Remote UK | ???? £115,000 to £150,000  + Benefits | Product at Monzo

About Business Banking at Monzo
Since its launch four years ago, Monzo Business Banking has been dedicated to delivering the very best of Monzo to small businesses. Today, it's an award-winning service, empowering over 500,000 businesses across the UK. In October, we opened our doors to bigger small businesses, ushering in the next phase of our mission to make money work for businesses

The Role
We’re looking for a Group Product Manager to lead the Spend Management domain within Business Banking. In this role you’ll define the strategy and product vision for Monzo’s Spend Management solutions focusing on introducing new features, driving product-led growth and helping our customers streamline their finances

What you’ll be doing: 

• Strategic planning: Develop a product strategy informed by customer insights, market opportunities, and business goals. Translate long-term strategies into actionable plans and prioritise effectively to maximise impact.
• Driving product development: Lead a cross-functional team to design, build, and scale products for our business customers by deeply understanding their needs and the regulatory, operational, and technical constraints.
• Leading and mentoring: As the product leader for the Spend Management domain you’ll be providing direction, supporting the team's development, and fostering a high-performing product culture.
• Cross-functional collaboration: Work iteratively with teams across design, engineering, research, data science, product marketing, compliance, and other areas to refine and execute your strategy.
• Communicating effectively: Inspire stakeholders with the product vision and share the right context with the right people at the right time.
• Shaping the collective strategy: Support the Product Director by contributing insights and building a cohesive narrative for the broader Business Banking product strategy.
• Enhancing the product discipline: As a senior member of the team, help develop the product discipline within Business Banking and across Monzo

You should apply if you:

• Have proven experience at setting, communicating and executing on a clear and ambitious strategy across multiple products, bonus if this has been in the spend management space.
• Have extensive experience shipping successful, customer-centric digital products in a fast-growing company.
• Are passionate about building products that delight customers while driving commercial success.
• Start from first principles, having built products that tackle long-standing customer problems in innovative ways, breaking from industry norms.
• Are data-driven, metrics-focused, and honest about your work’s performance, with a drive for continuous improvement.
• Are creative and capable of teasing out novel ideas and solutions from your team.
• Are comfortable collaborating across design, data, user research, marketing, and engineering disciplines.
• Excel at working with diverse teams and perspectives, thoughtfully challenging and influencing those you work with.
• Communicate clearly and persuasively to a range of audiences, structuring your messages effectively.
• Are a fast learner who is humble, curious, and eager to develop yourself and others.
• Are excited by what Monzo is building

The interview process:

Our interview process involves 4 main stages: 

• Recruiter Call 
• Initial Call with Hiring Manager 
• Experience Loop, consisting of x3 hour long interviews to assess Project Walkthrough, Case Study and Leadership.
• Final chat with a member of our leadership team

Our average process takes around 5-6 weeks but we will always work around your availability. You will have the chance to speak to our recruitment team at various points during your process but if you do have any specific questions ahead of this please contact us on tech-hiring@monzo.com

What’s in it for you:

???? £115,000 to £150,000 depending on experience ➕ stock options & benefits 

✈️ We can help you relocate to the UK 

✅ We can sponsor visas 

????This role can be based in our London office, but we're open to distributed working within the UK (with ad hoc meetings in London).

⏰ We offer flexible working hours and trust you to work enough hours to do your job well, at times that suit you and your team.

???? Learning budget of £1,000 a year for books, training courses and conferences

➕ And much more, see our full list of benefits here

????London OR UK Remote | ????£110,000 - £160,000 + Benefits | Hear from the team ✨ 

⭐ Our Risk & Controls team

We’re looking for a Director to join our Risk & Controls Discipline (RCD) and partner with our Product squads, to drive fresh thinking within the first line risk management space, and help us achieve the next phase of our growth ambition. The successful person will help our senior leaders and product owners to shape and implement controls, and run all aspects of Monzo’s enterprise risk management framework. Directors at Monzo join the company-wide Senior Leadership Team and are expected to lead both within their role but also make a broad impact across the organisation

???? You’ll play a key role by...

• Leading the Product RCD squads, which includes partnering with our Retail, Business Banking and Wealth product squads, as well as overseeing our Marketing controls and Financial Promotions reviews
• Overseeing ongoing compliance with the Consumer Duty, including accountability for annual Board reporting and ongoing product reviews
• Demonstrating delivery of good customer outcomes in product design, through a data-led approach
• Enabling fast, safe ‘shipping’ of product changes by supporting risk assessments and change processes
• Being the ‘go to’ partner for C-Suite and Executive leaders including the Chief Product Officer, General Managers for Wealth & Business Banking, and VP - Marketing, partnering on a range of risk topics
• Monitoring issues & actions, control design testing, supporting implementation of new / updated frameworks and monitoring and testing control effectiveness and execution
• Build a ‘data first’ and automation culture across controls - leveraging the opportunities Artificial Intelligence presents - to build out a more predictive and forward-looking control environment
• Partner for growth into new markets, products and regulatory jurisdictions

???? We’d love to hear from you if…

• You’re an exceptional risk / control professional with experience at a UK bank, financial services company (including FinTech) or in a transferable control type role in a different industry
• You can influence senior stakeholders and have a track record of solving complex risk problems in matrix environments
• You have a strong track record in managing product risk - and are ‘hands on’ in doing so - with experience growing new business ‘in control’
• You’re a data driven control leader 
• You're resilient and comfortable working in a fast paced environment where the day to day job is constantly evolving and changing
• You’re hands-on and great at delivery & execution
• You’re curious and collaborative - you’re great at asking incisive questions to pick things up and act on them quickly
• It would be a plus if you have experience at a fintech / challenger bank, experience in deploying Artificial Intelligence and / or experience working in a scaling environment and/or technology company on your career journey

???? What’s in it for you

???? £110,000 - £160,000 (depending on experience) ➕share options

✅ We can sponsor your visa

???? This role can be based in our London office, but we're open to distributed working within the UK (with ad hoc meetings in London)

⏰ We offer flexible working hours and trust you to work enough hours to do your job well, and at times that suit you and your team. 

???? £1,000 learning budget each year to use on books, training courses and conferences.

???? We will set you up to work from home; all employees are given Macbooks and for fully remote workers we will provide extra support for your work-from-home setup. 

➕ Plus lots more! Read our full list of benefits.

????The application journey has 3 key steps

• Recruiter call (30 mins)
• Initial Call w/ Hiring Manager (30 min)
• 2 hours of technical and behavioural interviews

This process should take around 2-3 weeks - your schedule is really important to us, so we promise to be as flexible as possible! We have some guidelines on using Artificial Intelligence (AI) to ace an application and interview at Monzo. You can read them here.

You’ll hear from us throughout the application process, but if you’ve got any questions, please reach out to business-hiring@monzo.com. You can also use this email address to let us know if there’s anything we can do to make the process easier for you because of disability, neurodiversity or anything else.

#LI-Remote #LI-OS1

????London / UK Remote | ???? £80,000 - £110,000 + Benefits|Technology- Engineering | 

About our Engineering Teams:

We have around 300 engineers out of roughly 2,500 people in total - and we have big ambitions. There are many interesting challenges ahead, and we're happy for people to move between teams or to specialise, whatever you prefer. As an engineer here you'd be able to work directly with anyone across the company, and we run regular knowledge-sharing sessions so you’ll learn heaps about everything from how banks work to effective communication.

We contribute toopen source softwareas much as possible. Ourblogis a good place to learn even more about what we do!

What you’ll be working on: 

Monzo is an appealing target for criminals who try to launder illegally gained funds through our accounts or fraudulently convince our customers to give them their money. In the Financial Crime collective we strive to protect Monzo, our customers, and indirectly the society from financial crime. We tackle all types of financial crime, including money laundering, tax evasion, and terrorist financing.

We are looking for Web Engineers to help us build amazing internal tools that help our teams in protecting customers and fighting financial crime. We are building a new team focused on efficiency. This small team will focus on identifying and rapidly implementing the most impactful improvements. You will work closely with our domain experts and to build and optimise exceptional tools that enable our financial crime teams to efficiently investigate cases. You will be working with a modern technology stack which includes React, TypeScript, GraphQL, Storybook, Cypress, Playwright, and many more.

Every day you’ll be:

• Working closely with the Product Manager and Operations and Risk Domain Experts.
• Identifying and scoping opportunities for impactful projects.
• Actively contributing to every stage in the product development lifecycle within your team, and owning the development of new features from start to finish.
• Working closely with our backend engineers to design APIs to support new frontend features.

You should apply if:

• You love building products in cross disciplinary teams using an iterative approach, driven by user feedback and data insight.
• You care deeply about providing a great user experience for our users.
• You have an interest in building performant web experiences and designing/building UI that makes it easy for users to accomplish what they need.
• You enjoy diving deep into dashboards, metrics, and then making decisions/recommendations based on impact.
• You enjoy working in a large front-end codebase with many stakeholders.
• You understand the importance of prioritisation in your work to ensure a good balance between development velocity and code quality.
• You have developed modern component-oriented JavaScript applications using frameworks and libraries (e.g React, Vue, Angular, Flow/Typescript, Webpack etc).
• You are a keen learner and love sharing your knowledge with others.

The Interview Process:

Our interview process involves three main stages: 

1. Recruiter Call
2. Initial Call 
3. Technical Interview
4. Final interview including a system design and a behavioural interview 

Our average process takes around 3-4 weeks but we will always work around your availability. 

You will have the chance to speak to our recruitment team at various points during your process but if youdo have any specific questions or want to talk through reasonable adjustments ahead of or during application please us at any point ontech-hiring@monzo.com

What’s in it for you:

???? £80,000 - £110,000 base salary➕ plus stock options 

✈️We can help you relocate to the UK 

✅We can sponsor visas.

????This role can be based in our London office, but we're open to distributed working within the UK (with ad hoc meetings in London).

⏰We offer flexible working hours and trust you to work enough hours to do your job well, at times that suit you and your team.

????Learning budget of £1,000 a year for books, training courses and conferences

➕And much more, see our full list of benefits here 

#LI-Remote #LI-TT1

????London/ UK remote | ???? £78,000 - £110,000 base salary per year ➕ share options | Benefits | Technology 

About our Mobile Engineering Practice

Our mobile engineers have a variety of different backgrounds

There are ~30 iOS engineers at Monzo and we’re looking for more to join the team. We have several non-graduates; only some of us studied Computer Science; some of us have worked in huge companies; some have only ever worked in startups; others are former consultants. As long as you enjoy learning new things, we’d love to talk to you.

Monzo works in project-based sprints in small, interdisciplinary teams

We have 350+ engineers out of roughly 4,000 people in total - and we have big ambitions. There are many interesting challenges ahead, and we're happy for people to move between teams or to specialise, whatever you prefer. As an engineer here you'd be able to work directly with anyone across the company, and we run regular knowledge-sharing sessions so you’ll learn heaps about everything from how banks work to effective communication.

Your day-to-day:

We’re searching for product-aware iOS engineerswith a passion for great UI and UX to join our team. You understand the need for tested, resilient code balanced against the need to move fast and iterate.

You’ll be working on a product that is a part of day to day life for more than 11 million people already, and your work here will shape the way that people interact with their finances.

This role is all about collaborating across disciplines to test hypotheses and make a difference to customers. As an iOS engineer at Monzo you'll work in a small, autonomous product squad alongside Android Engineers, Backend Engineers, User Researchers, Product Designers, Product Managers, QA Testers, Data Scientists and Business Analysts.

Your mission will depend on the squad, but currently mobile engineers are working on the core personal banking experience, paid products, lending products, business banking and internal operations. We also have a small squad dedicated to enabling other mobile engineers to move faster.

You and your team will be responsible for an overall company goal, rather than building a specific feature - you'll have the opportunity to have impact on bothwhatwe build, andhowwe build it.

Every week we meet as a discipline to discuss tools, techniques, problems we're encountering across the company and work together to improve our codebase and processes.

You'll report to an engineering manager who will meet with you every 2 weeks 1:1, their mission is to help you develop and grow as an engineer.

Our iOS app

At Monzo, you'll get to work with industry standard tools and technologies - and help us define what great looks like for iOS engineers.

Our app is 100% Swift, built using a Model, View, View-Model architecture (MVVM). We use Coordinators to ensure we can re-use screens wherever possible, and avoid tightly coupling one screen to another. We make heavy use of protocols and extensions throughout our app.

Our networking stack is built upon Alamofire, using a generic interface to easily de-serialise objects of a certain type, and we mirror our backend micro-service architecture by building individual services to house our API logic.

We persist objects using Realm when we need to.

Our testing stack comprises of unit tests for business logic, stubbed API tests for pseudo-integration tests, snapshot tests for UI, and XCUITest for testing user input and sequencing.

We've published some talks and blog posts about how we work:

• Working with backend services on iOS
• Pushing Protocols to their Limits
• Our mobile release process: An illustrated story

You should apply if:

• You care about the impact your work has on our customers, and optimise for impact rather than the number of lines of code you output
• You are excited about and have experience in programming in Swift
• You’ve shipped and iterated on at least one app in the App Store
• You have a product mindset: you care about customer outcomes and you want to make data-informed decisions
• You love turning excellent design into beautiful products
• You’re comfortable working in a team that deals with ambiguity
• You have an understanding of the principles of computer science

The Interview Process:

Our interview process involves three main stages: 

1. Initial Call 
2. Take home task or pair coding exercise 
3. Final interview including a system design and a behavioural interview 

Our average process takes around 2-3 weeks but we will always work around your availability. 

You will have the chance to speak to our recruitment team at various points during your process but if you 

do have any specific questions or want to talk through reasonable adjustments ahead of or during application please us at any point on tech-hiring@monzo.com 

Please also use that email to let us know if there's anything we can do to make your application process easier for you, because of disability, neurodiversity or any other personal reason

One of our engineers has written a detailed blog on their experience through this process, for extra details, hints and tips please see here.

What's in it for you

???? £78,000 - £110,000 base salary per year ➕ plus stock options + Benefits, we also provide all of our engineers with the latest MacBook Pro.

✈️ We can help you relocate to the UK 

✅ We can sponsor visas but please note we aren't able to support remote working outside of the UK at the moment

???? This role can be based in our London office, but we're open to distributed working within the UK (with ad hoc meetings in London)

⏰ We offer flexible working hours and trust you to work enough hours to do your job well, at times that suit you and your team

????Learning budget of £1,000 a year for books, training courses and conferences

➕ And much more, see our full list of benefitshere

If you prefer to work part-time, we'll make this happen whenever we can - whether this is to help you meet other commitments or strike a great work-life balance.

#LI-Remote

#LI-TT1

????London OR Remote (UK) | ???? £86,000 - £100,000 (dependent on experience) + Benefits | Hear from the team ✨

⭐️ Our Risk and Controls team

Like any other regulated bank, we need to make sure we are managing our risks and controls, and are fully compliant with regulation. But at Monzo, we want to do so while continuing with our agile “test and learn” approach to launching products our customers love. We are looking for a Senior Risk & Controls Manager to help us further embed our conduct risk framework (especially Consumer Duty) across the business.

???? You’ll play a key role by...

• Support the business in developing and enhancing controls that protect our customer and business needs now and in the future
• Use data to demonstrate we are delivering good customer outcomes 
• Develop briefings for Executive and Board level review, including our annual Consumer Duty board report
• Lead regulatory responses and briefings
• Ensure the first line proactively consider and incorporate Consumer Duty requirements in products and features 
• Innovate and improve on the effectiveness of governance and risk management process to ensure they work forMonzo
• Embed robust regulatory, conduct, and operational risk practices and culture
• Foster positive and collaborative relationships across the three lines of defence
• Ensure governance-related requirements are met 
• Coordinate conduct risk governance and oversight meetings
• Responsible for coordinating and supporting the first line in “business as usual” activities to comply with the Consumer Duty
• Manage and report on the risk and control environment (risks, controls, issues, incidents, remedial actions, etc)
• Manage regulatory and audit deadlines and submissions

????We’d love to hear from you if…

• You have a comprehensive understanding The Consumer Duty and how it practically applies day-to-day
• You have hands-on, practical experience with:
• Implementing and embedding The Consumer Duty in a pragmatic way - including building new, and improving existing, processes and tools that are easy to understand and use for people who may not be in the detail of the Duty
• Co-ordinating activity and driving consistency in how the Duty is being embedded across Monzo and different teams
• Using data to create monitoring at an appropriate level to give visibility and meaningful insights
• You have experience with embedding conduct risk in the day-to-day
• You have experience with organising and managing risk governance meetings / committees, and collating data and writing supporting commentary
• You have considerable risk and control experience with consumer financial products in a regulated environment - including experience with RCSAs, control testing, and issue and action management
• You’re excited about helping Monzo scale in a compliant, thoughtful, and controlled way
• You’re resilient and comfortable working in a fast-paced and ambiguous environment where the day-to-day job is constantly evolving and changing
• You are a self-starter, and able to work independently and make prioritisation decisions

The Interview Process:

Our interview process involves 4 main stages: 

• Short call with a recruiter 
• 30 minute video-call call with the hiring manager
• 2 x 60 minute interviews conducted via GoogleMeet

Our average process takes around 2-3 weeks but we will always work around your availability. You will have the chance to speak to our recruitment team at various points during your process but if you do have any specific questions ahead of this please contact us on business-hiring@monzo.com

We’ll only close this role once we have enough applications for the next stage. Please submit your application as soon as possible to make sure you don’t miss out. 

What’s in it for you:

???? £86,000 - £100,000 ➕ plus stock options & benefits 

????This role can be based in our London office, but we're open to distributed working within the UK (with ad hoc meetings in London).

⏰ We offer flexible working hours and trust you to work enough hours to do your job well, at times that suit you and your team.

???? Learning budget of £1,000 a year for training courses and conferences ➕ And much more, see our full list of benefits here

???? We will set you up to work from home; all employees are given Macbooks and for fully remote workers we will provide extra support for your work-from-home setup.

#LI-REMOTE

#MY-1