Jobs at Monzo Bank

Investigates customer fraud claims involving card payments, faster payments, and account takeover. Gathers evidence through chat and calls, makes decisions on claims up to £5,000, escalates higher-value cases, safeguards compromised accounts, recommends account closure when appropriate, and supports fraud victims with preventative guidance. The role requires empathy, sound judgment, attention to detail, strong communication, and the ability to meet regulated and internal deadlines.

Leads Monzo’s Growth and Marketing data function, building and developing high-performing Data teams while shaping marketing measurement, experimentation, growth strategy, metrics, and data products. Partners with senior leadership to guide investment decisions across markets and customer segments, translate complex business challenges into technical solutions, and improve data-driven decision-making. Requires strong Data Science expertise, commercial judgment, stakeholder influence, and experience leading teams at Director level or above.

Manage month-end close, group consolidation, financial reporting, management commentary, and financial controls. Support audits, new product accounting, accounting policy assessments, chart of accounts integrity, and process improvements. Use SAP S/4HANA, SQL, automation, and AI to improve reporting efficiency and scalability while partnering with Finance, product teams, and external auditors.

Lead information security projects across third-party security, governance, and vulnerability management. Represent Security in company-wide projects, identify and manage risks, develop security policies and procedures, mentor Security Analysts, monitor emerging threats, and collaborate with audit and risk teams to assess security controls. The role is a 12-month fixed-term position with UK-based remote or London work options.

Own and improve financial crime controls covering exits, defunds, law enforcement, and acceptable use across UK and European banking entities. Monitor control performance using data and trend analysis, identify and prioritize risks, investigate incidents, recommend remediation, and ensure appropriate control coverage for new products. Act as a subject matter expert, lead cross-functional initiatives with Product, Operations, and Engineering, and influence compliant, customer-focused solutions.

Leads fraud strategy and risk management across UK and EU banking products. Designs and oversees fraud controls, investigation processes, reporting, threat intelligence, and performance analytics. Partners with Product, Engineering, Data, and Operations teams to deliver scalable fraud prevention initiatives and manage large-scale change. Coaches and develops a high-performing fraud risk team while balancing customer experience, regulatory obligations, and business objectives.

Leads Monzo’s global tax strategy and team across the UK, Europe, and future markets. Oversees direct, indirect, employment, transfer pricing, and customer taxes; advises on product development, international expansion, and group structures; manages tax authority relationships, audits, and compliance. Partners with executives, product, engineering, and treasury teams while modernizing tax operations through AI, workflow tools, and automation.

Lead product marketing for a multi-product Collective: set one-year strategy, drive market intelligence, shape product strategy and positioning, own launch sequencing and briefs, embed product-market fit into squads, and coach/raise standards for a small team. Partner with Integrated Marketing to translate propositions into go-to-market execution across UK and European markets.

Own the roadmap and delivery of Monzo’s internal controls and risk product platform. Build low-code prototypes, automated workflows, API integrations, AI-enabled tools, and real-time risk monitoring. Lead adoption across risk teams, guide two data and automation specialists, and partner with Product, Engineering, Data, Operations, and Risk stakeholders to replace manual control processes with scalable self-service solutions.

Drive the full sales cycle for SMB business banking customers, from prospecting and discovery through demos, closing, account switching, onboarding, and activation. Manage lead pipelines, forecasting, follow-ups, and sales targets while delivering consultative customer service. Collaborate with marketing, product, risk, and operations teams, share customer insights, and ensure regulatory compliance, data protection, and consumer duty requirements.

Lead Monzo’s EU Data team and shape expansion strategy across European markets. Own data strategy, measurement foundations, experimentation, forecasting, goal setting, and product-market-fit analysis. Represent Data at executive level, influence commercial and product decisions, build cross-business learning loops, and develop a high-performing full-stack Data organization of individual contributors and managers.

Leads strategically important data science initiatives across complex business domains. Shapes data strategy, develops measurement frameworks, applies experimentation, causal inference, forecasting, optimization, and decision science, and partners with senior leaders to drive measurable outcomes. Remains hands-on with complex analyses, experiments, models, and prototypes while establishing technical standards, governance, reproducibility, and documentation. Coaches data scientists and analytics engineers and stewards critical data products end to end.

Lead product-focused data science work: run quantitative analyses and large-scale A/B tests, enable product teams with measurement, drive lifetime value analysis with finance, and partner with engineers to ensure correct data collection and actionable insights.

Lead complex, company-wide technical programmes across Operations, product, engineering, risk, compliance, and senior leadership. Responsibilities include defining roadmaps, milestones, priorities, dependencies, and risks; removing blockers; driving technical and organizational change; improving operational effectiveness; and ensuring adoption and measurable outcomes across multiple teams and markets.

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.

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.

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.