Jobs at Monzo Bank

Leads operational performance and excellence across Operations by establishing performance standards, analyzing data, identifying bottlenecks, and driving continuous improvement. Partners with People, Data, Technology, and learning teams to develop measurement frameworks, coaching programs, workforce planning insights, and AI-enabled predictive analytics. Acts as the trusted authority on operational performance, aligning global standards with domain needs and translating complex insights into actionable outcomes for senior leaders.

Investigate complex and high-risk anti-money laundering alerts for business accounts, recommend Suspicious Transaction Reports, make risk-based onboarding decisions, conduct enhanced due diligence, and provide financial crime expertise to operational teams. The role requires strong English and Italian communication skills, experience with business banking financial crime investigations, and knowledge of UK and EU financial crime risks.

Leads Operations strategy and commercial performance during a 12-month leave cover. Responsibilities include P&L and unit economics analysis, strategic recommendations, roadmap coordination, investment evaluation, cross-functional alignment, and delivery of initiatives improving operational scalability, efficiency, and profitability. The role partners with Operations, Product, Engineering, Finance, and senior leadership to manage priorities, risks, dependencies, and execution.

Lead approximately 12 Fraud Investigators on the overnight shift, overseeing performance, wellbeing, coaching, development, quality, service levels, complaints, risk controls, and employee relations. The manager will analyze performance and absence data, provide feedback, support hiring, embed operational changes, maintain documentation, and escalate insights across the Fraud domain while fostering an empathetic, high-performing team culture.

Provides second-line fraud compliance oversight, assurance, challenge, and risk management in a regulated financial services environment. Conducts reviews of fraud regulations, processes, controls, rules, and monitoring; produces data-led reports and recommendations; tracks remediation; supports risk assessments, assurance planning, change management, training, and continuous improvement. The role partners with stakeholders to strengthen controls, support fair customer outcomes, and meet regulatory expectations.

Conduct third-party and supplier security assurance, security control testing, PCI DSS assessments, regulatory reviews, and audits. Evaluate security evidence, identify risks and control gaps, improve policies and governance, support security inquiries, and advise engineering and product teams on secure changes. The role also drives remediation, process automation, risk prioritization, and continuous improvement while mentoring less experienced analysts.

Leads Monzo’s global People Operations strategy across People Technology, People Analytics, Global Mobility, and Operations & Payroll. Develops multi-year technology and AI roadmaps, advances automation and self-service, strengthens analytics and governance, oversees payroll infrastructure, manages vendors and budgets, and ensures compliance with GDPR, employment laws, and payroll regulations. Partners with executives and leads four functional teams during Workday implementation, AI adoption, and European expansion.

Lead operational tax activities across the UK and Europe, including compliance, reporting, controls, and regulatory change. Advise on customer tax liabilities, FATCA, CRS, ISA reporting, CT61s, and related requirements. Partner with Product, Engineering, Legal, Finance, Financial Crime, and market teams to embed tax considerations into new products and markets. Own processes, controls, and operational tax strategy while acting as the subject matter expert for the business.

Own end-to-end recruitment for technical roles across engineering and design teams. Build talent pipelines through sourcing, referrals, and applications; partner with hiring managers to define skills and assessments; deliver an inclusive, high-quality candidate experience; and improve recruiting processes using data. The role requires adaptability, strong stakeholder management, resourcefulness, and the ability to assess technical talent beyond job titles or qualifications.

Leads engineering teams across people, product, and technical delivery. Manages approximately 7–10 engineers, supports career development through coaching and feedback, ensures engineering excellence, partners with technical and product leaders, drives delivery outcomes, communicates with stakeholders, and contributes to organization-wide engineering practices. The role requires prior software engineering experience, strong technical judgment, delivery leadership, autonomy, and the ability to build and motivate high-performing teams.

Lead technical development and production deployment of ML models for search, personalization, ranking, and recommendations. Build scalable, explainable ML solutions, own end-to-end impact, collaborate with backend and product teams, and iterate on experiments using cloud-native data at scale.

Leads and develops a team of Data Scientists and other Data professionals, setting strategic direction and identifying high-impact opportunities. Partners with Product, Engineering, and senior stakeholders to shape product strategy and influence decisions through experimentation, causal inference, statistical modelling, machine learning, and analytics. Ensures analytical work drives measurable customer and commercial outcomes while collaborating with other data disciplines on tooling and infrastructure. Also contributes to hiring, coaching, technical standards, and the broader Data Science practice.

Lead a financial crime data science team focused on detecting, preventing, and mitigating financial crime. Partner with Product, Risk, Engineering, and control owners to shape data strategy, generate strategic insights, improve product decisions, and deliver rigorous analytics and machine learning solutions. Hire, develop, and retain data scientists and analysts while supporting innovation through business intelligence, experimentation, causal inference, and self-serve analytics.

Lead the design of high-quality web experiences that help customers discover Monzo. Use research, data, experimentation, and strong visual and interaction design to improve customer and commercial outcomes. Partner with Product, Engineering, Data, and Research, shape product direction, solve ambiguous problems, mentor designers, and use AI to improve the design workflow.

Leads product design for Monzo’s Payments business area, setting design strategy and vision, partnering with Product and Engineering leadership, shaping roadmaps, and driving high-quality execution. Builds and develops a high-performing design team, coaches designers, raises design quality, strengthens collaboration and craft, and expands design’s influence across the organisation and customer experience.

The Finance Data Manager will analyze complex financial and operational datasets, translate business requirements into scalable data assets, and deliver management reporting and commercial insights. Responsibilities include collaborating on data pipelines, automating financial reporting with code and AI, building reporting solutions, improving processes, and partnering with stakeholders across the business.

Supports and optimizes Anaplan financial planning models by managing change requests, assisting with model building, testing enhancements, maintaining data integrity, managing access, monitoring performance, and troubleshooting issues. Provides user training and documentation for FP&A and finance business partner teams, while collaborating with architects, model builders, and finance stakeholders. Uses AI tools to improve processes and problem-solving.

Lead ML strategy and delivery for Workforce Management: forecasting, routing, assignment, escalation and time-to-completion prediction. Build, ship and maintain production ML systems, coach and grow a team of ML scientists, work cross-functionally to turn operational problems into pragmatic ML solutions, and improve customer and operational outcomes.

The Staff Product Designer will lead design projects, set long-term design vision, mentor designers, and collaborate across teams to enhance customer experiences at Monzo.

Leads the Payments data strategy and partners with Product, Engineering, and Design to shape payment products, commercial optimization, customer growth, metrics, architecture, and operating models. Builds and scales a high-performing, full-stack data organization spanning data science, analytics engineering, machine learning engineering, and analytics. Serves as a trusted Payments Leadership partner, translating technical, product, and commercial perspectives into high-impact decisions.