Monzo

Role Description You'll play a key role by: - This role sits as part of a multidisciplinary squad, collaborating with other Machine Learning Scientists, Data Scientists, Backend Engineers, Operations specialists, Product managers, and Risk managers. - Leveraging your deep experience of developing and deploying advanced Machine Learning models to: - Automatically and accurately detect suspicious user behaviours while minimising impact to genuine customers and operational costs. - Adapt quickly and appropriately to changing fraud and financial crime trends, ensuring our detection systems remain performant through time. - Design machine learning solutions that scale globally. - The technical approaches you take to solve these problems will be very much in your hands and we’ll strongly encourage and support experimentation and innovation. - Justifying and demonstrating effectiveness along the way, ensuring the approach meets our business and customer needs. Qualifications - What we’re doing here at Monzo excites you! - You have a track record of deploying advanced Machine Learning models tackling real business problems with demonstrable impact, preferably in a fast moving tech company. - You're impact driven and excited to own the end to end journey that starts with a business problem and ends with your solution having a measurable impact in production. - You have a passion for sharing knowledge and raising the technical bar across the team. - You have a self-starter mindset; you proactively identify the most impactful issues and opportunities and collaboratively tackle them without being told to do so. - Using advanced ML techniques to ensure Monzo’s customers money stays safe, even if their card, phone or account is compromised, sounds exciting to you. - You have extensive experience writing production Python code and a strong command of SQL. - You are comfortable using them every day, and keen to learn Go lang which is used in many of our backend microservices. - You have experience developing and shipping deep learning, graph-based, and/or sequence-based ML architectures to production and delivering business impact. - You thrive working on ambiguous problems and have a track record of helping your team and stakeholders resolve that ambiguity. - You have strong communication skills and are able to explain complex technical concepts to non-technical stakeholders. - You want to be involved in building a product that you and the people you know use every day, with a product mindset that prioritises customer outcomes and data-informed decisions. - You're excited about fast-moving developments in Machine Learning and can communicate those ideas to colleagues who are not familiar with the domain. - You’re adaptable, curious and enjoy learning new technologies and ideas. Requirements - Experience in supporting your team in shaping the ML strategy of your area. - Experience working with financial crime, operations and in regulated institutions. - Commercial experience writing critical production code and working with microservices. - Experience in evaluating ML models in live environments such as through A/B tests. Benefits - We’ll help you relocate to the UK. - 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!

Role Description We’re on a mission to make money work for everyone. We’re waving goodbye to the complicated and confusing ways of traditional banking. After starting as a prepaid card, our product offering has grown a lot in the last 10 years in the UK. Our UK customers can also save, invest and combine their pensions with us. 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! Web Foundations builds scalable infrastructure for Monzo's international expansion and equips marketing across our organisation to create content independently. The squad’s remit includes: - Maintaining our public facing website monzo.com - Ensuring that it scales for international expansion - Building our component library - Maintaining our content management system Every day you’ll be: - Working closely with the Product Manager and other cross-discipline peers. - 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 other engineers to scope and build out functionality to support new frontend features. Qualifications - 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, secure, scalable 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. Requirements - We have plenty of non-graduates: only some of us studied Computer Science; some of us have worked in huge companies; some have only ever worked in startups and others are former consultants. - As long as you enjoy learning new things, we’d love to talk to you. Benefits - Salary range for the role is £85,000 - £115,000 depending on experience, plus Incentive Awards tied to your performance and other benefits. - This role can be based in our London office by Liverpool Street, but we're open to distributed/remote working. - We can help you relocate to London and we offer visa sponsorship. - 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. - 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. Company Description Diversity and inclusion are a priority for us and we are making sure we have lots of support for all of our people to grow at Monzo. We provide opportunities for sponsorship and mentorship; we are creating partnerships with organisations dedicated to supporting underrepresented groups. 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.

Role Description We’re on a mission to make money work for everyone. We’re waving goodbye to the complicated and confusing ways of traditional banking. After starting as a prepaid card, our product offering has grown a lot in the last 10 years in the UK. As well as personal and business bank accounts, we offer joint accounts, accounts for 16-17 year olds, a free kids account and credit cards in the UK, with more exciting things to come beyond. Our UK customers can also save, invest and combine their pensions with us. 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 ❤️ About our Senior Financial Crime Business Banking Investigator Team: - The Senior Financial Crime Business Banking Investigator team serves as Monzo’s frontline defence against complex economic crime, safeguarding our ecosystem and customers, from startups to established SMEs, against sophisticated fraud and money laundering. - This critical operational team builds deep subject matter expertise to ensure financial integrity across the entire customer lifecycle. - The team is responsible for conducting rigorous onboarding and ongoing compliance checks, unravelling complex financial crime typologies, and directly mitigating risk through thorough investigation, reporting, and account closures. You’ll play a key role by: - Taking ownership of the most complex FinCrime Business Banking tasks, including Enhanced Due Diligence (EDD) for high-risk businesses, Complex Customer Reviews, and multi-jurisdictional money muling investigations. - Writing, reviewing, and submitting high-quality Suspicious Activity Reports (SARs) to the National Crime Agency (NCA), ensuring they meet the highest legal and evidential standards. - Maintaining a regular schedule on core investigative tasks to sustain your competency levels, directly support the domain’s Service Level Agreements (SLAs), and remain connected to frontline challenges. - Actively coaching Investigators on complex financial crime typologies, best practice, and performance improvement to help drive a culture of excellence. - Working closely with our Operations Analysts to share emerging trends and ensure that operational guidance is continuously updated and effectively embedded across the domain. Qualifications - Deep KYB & AML expertise, with significant experience conducting end-to-end business due diligence (KYB/EDD) and complex investigations within a regulated financial setting. - Skilled researcher, with a proven ability to leverage open-source intelligence and analysis to thoroughly corroborate customer profiles and transactional activity. - Strong grasp of UK and international financial crime trends affecting business accounts and the UK SAR regime. - Ability to thrive in a fast-paced environment, maintaining high flexibility and adapting positively to shifting priorities, new guidance, and process changes at short notice. - Impact-driven, with a genuine desire to protect Monzo and its customers by making a tangible difference in the detection and prevention of financial crime. - Leadership and improvement skills, ideally with experience mentoring peers, a track record of escalating process improvements, or a relevant qualification (such as ICA or ACAMS). Requirements - You will work 37.5 hours per week, Monday to Friday, from 9:00am to 5:30pm. - You will also work one full weekend (Saturday and Sunday) once every 4 weeks, with 2 set days in lieu provided when working the weekend shift. - We cannot approve any time off during your first 6 weeks of employment with us due to training. Benefits - Salary range of £31,100 - £39,350 + Incentive Awards tied to your performance. - Guaranteed time off on your birthday if it falls on a scheduled work day (outside of your training period). - This role is fully remote and based within the UK. - A £1,000 annual budget to spend on books, training courses, and conferences. - All employees are provided with MacBooks, and fully remote workers receive extra support for their work-from-home environment. - Plus lots more!

Role Description We’re on a mission to make money work for everyone. We’re waving goodbye to the complicated and confusing ways of traditional banking. After starting as a prepaid card, our product offering has grown a lot in the last 10 years in the UK. As well as personal and business bank accounts, we offer: - Joint accounts - Accounts for 16-17 year olds - A free kids account - Credit cards in the UK Our UK customers can also: - Save - Invest - Combine their pensions 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 ❤️ Location: London / UK Remote Position: Senior Engineer Salary: £95,000 - £130,000 + Incentive Awards tied to your performance Qualifications - Significant professional experience in software engineering - Experience writing, testing, and deploying robust backend services using strongly typed languages - Hands-on experience with AWS and/or GCP - Proficiency with Kubernetes - Experience with Infrastructure as Code (e.g., Terraform) - Curiosity about systems and modern distributed applications - Excitement to build a platform that enables success for everyone at Monzo - Comfortable working in a fast-paced team with ambiguity Requirements - Enhancing and maintaining foundational tools and systems - Working hands-on with Kubernetes clusters, AWS infrastructure, and configuration management using Terraform - Integrating and managing various open-source components - Building and maintaining services that abstract and orchestrate infrastructure - Designing and implementing backend services (APIs, controllers, etc.) - Developing software for complex projects like infrastructure migrations, high-scale traffic management, or security tooling Benefits - £95,000 - £130,000 base salary - Incentive Awards tied to your performance - Relocation assistance to the UK - Visa sponsorship available - Flexible working hours - Learning budget of £1,000 a year for books, training courses, and conferences - And much more, see our full list of benefits Company Description 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. 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.

Role Description We’re building the machine learning and optimisation systems that help Monzo provide fast, efficient and resilient customer support at scale. You’ll lead Machine Learning for our Workforce Management vertical: - Ensure Monzo has the right human support supply to meet customer demand. - Work on demand forecasting, real-time supply <> demand matching, problem routing and escalation, and predictive models. - Exciting opportunity for someone close to technical work, such as a Tech Lead, Team Lead, Senior Machine Learning Scientist or Senior Machine Learning Engineer. Not everything here is about LLMs. You’ll work on rigorous ML, forecasting, optimisation and operations research problems where quantitative thinking, pragmatic delivery and strong product judgement really matter. You’ll lead a growing team of Machine Learning Scientists, embedded in product squads working alongside: - Data scientists - Backend, mobile and web engineers - Product managers - User researchers - Designers - Operations specialists Qualifications - Recent experience as a hands-on Machine Learning practitioner (Senior IC, Tech Lead, Team Lead or ML manager). - Strong foundations in ML, statistics, forecasting, optimisation or operations research. - Experience building, shipping or owning ML systems in production. - Ability to explain complex ML ideas clearly to technical and non-technical people. - Enjoyment in coaching others; open to first-time management roles. - Energy in ambiguous problem spaces. - Focus on customer outcomes and building efficient systems. - Adaptable, curious and excited by quantitative problems. Requirements - Ability to move between technical detail and business context. - Experience in creating models that are useful, reliable, monitored and safe. - Coaching and developing Machine Learning Scientists through regular 1:1s, feedback and technical guidance. - Creating healthy ways of working for the team: clear priorities, strong technical standards, good documentation, sensible monitoring. - Contributing to the wider Machine Learning discipline at Monzo. Benefits - Salary: £113,200 - £153,200 + Incentive Awards tied to your performance. - Relocation assistance to the UK. - Visa sponsorship available. - Flexible working hours. - £1,000 learning budget each year for books, training courses and conferences. - Setup for remote work with Macbooks and additional support for home office setup. - Plus lots more!

Role Description We’re on a mission to make money work for everyone. We’re waving goodbye to the complicated and confusing ways of traditional banking. After starting as a prepaid card, our product offering has grown a lot in the last 10 years in the UK. Our UK customers can also save, invest and combine their pensions with us. 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! 🔑 You’ll play a key role by: - Being there for our customers when they need us the most. - Guiding customers, creating a pathway out of financial hardship. - Supporting the growth and development of more junior team members. - Helping to deliver a number of strategic changes which consistently lead to good customer outcomes. - Working with analysts, product managers, engineers, and operations staff across Monzo to implement proposed changes. - Using qualitative and quantitative data sources to analyze the impact of recent changes. - Working with external partners to ensure they adhere to Monzo’s standards. - Documenting and using data to ensure the execution of our strategy is in line with expectations. Qualifications - Experience of working with external partners including relationship management and auditing. - Experience in Collections and Recoveries strategies. - Understanding of the regulatory landscape including CONC, SYSC, Consumer Duty and the CCA. - Leadership experience (directly or indirectly) and ability to drive forward strategic projects. - Ability to identify, articulate and mitigate risks associated with strategic changes. - Strong judgement and ability to make trade-offs between what is desired and what is feasible. - Proven ability to gain approval for proposed business changes. - Highly resourceful and a self-starter; excels at researching and mapping out unfamiliar regulatory frameworks. - Comfortable working in a fast-moving, ambiguous and changing company. - Experience working cross-functionally with engineering, risk, operations and finance teams. - Collaborative, strategic problem solver who loves working hard towards a deadline. Benefits - £53,100 - £71,900 (depending on experience) + Incentive award tied to performance. - Flexible working hours and trust to work enough hours to do your job well. - £1,000 learning budget each year to use on books, training courses and conferences. - Setup to work from home; all employees are given Macbooks. - Extra support for your work-from-home setup for fully remote workers. - Plus lots more! Application Process - Initial Recruiter Screening Conversation. - Initial Interview with the Hiring Manager. - Role Specific Interview. - Behavioural Interview. This process should take around 3-4 weeks - your schedule is really important to us, so we promise to be as flexible as possible! Diversity and Inclusion 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. 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.

Role Description We're looking for a Tech Recruiter to join our Hiring team to help us source and hire talented, diverse people into our tech recruitment team. - Working with Hiring Managers to structure and run great hiring processes. - Helping hiring managers identify the skills they’re looking for and how best to assess these. - Challenging their thinking and asking the right questions to figure out what’s needed. - Managing hiring processes from beginning to end and convincing candidates to join us. - Caring deeply about diversity and inclusiveness, ensuring candidates have an amazing experience. - Finding the right candidates from a range of backgrounds and making them feel welcome at Monzo. - Moving mountains in the background to make the hiring process effortless and pleasant. - Passionate about refining hiring processes to make them simpler and more effective. - Using data to evaluate what’s going well and where improvements can be made. Qualifications - Experience recruiting for fast-paced, product-focused companies, especially in tech. - Deep care for inclusiveness and diversity. - Love for sourcing and pride in resourcefulness. - Empathy, adaptability, and respect for candidates’ needs and priorities. - Ability to adapt approach to work with a range of stakeholders with different needs. - Ability to assess skills without relying on previous job titles or qualifications. Requirements - Experience recruiting in-house at a startup or scale-up (preferred). - Experience working directly with senior stakeholders (preferred). Benefits - Salary: £45,000 - £65,000 dependent on experience. - Location: London or remote within the UK available, with occasional travel to the London office. - Flexible working hours with trust to work enough hours to do your job well. - Learning budget of £1,000 a year for books, training courses, and conferences. - And much more, see our full list of benefits.

Role Description As an Engineering Director, you'll lead a distributed engineering organisation across the UK, Spain and remote locations. You'll partner closely with Product, Design, Data, Operations, Risk, Compliance and executive stakeholders to solve complex problems that span organisational boundaries. - Lead a distributed engineering organisation spanning multiple squads, markets and countries. - Build and develop Engineering Managers, Senior Engineering Managers and senior technical leaders. - Partner with Product, Design, Data, Research, Operations, Risk and Compliance leaders to define and execute Monzo's European strategy. - Drive alignment and execution across numerous collectives to ensure Europe receives the capabilities it needs to succeed. - Shape how Monzo approaches market expansion, localisation, regulatory requirements and multi-market product development. - Influence priorities and outcomes across teams that do not directly report to you. - Create clarity and momentum in highly ambiguous problem spaces where ownership and solutions are not always obvious. - Design and evolve organisational structures, operating models and planning processes that allow Monzo to scale effectively across Europe. - Help identify and validate product-market fit in new markets while balancing short-term delivery and long-term strategic investments. - Partner closely with executive leadership to shape the future of Monzo's European business. Qualifications - Experience leading large engineering organisations through other leaders, including Engineering Managers, Senior Engineering Managers and senior individual contributors. - Successfully operated in highly complex organisations where outcomes depend on collaboration across many teams and functions. - Exceptional at building relationships and influencing without direct authority. - Ability to navigate ambiguity and create clarity where goals, ownership or priorities are not yet fully defined. - Experience scaling organisations through periods of rapid growth, organisational change or market expansion. - Enjoy solving organisational and business problems, not just technical ones. - Ability to balance strategy and execution, translating ambitious goals into tangible outcomes. - Comfortable making decisions in environments where there is rarely a perfect answer. - Strong track record of building high-performing leadership teams and developing future leaders. - Energised by the challenge of building something new and helping shape the future of Monzo's international expansion. Requirements - Experience leading large engineering organisations. - Ability to operate in complex organisations. - Exceptional relationship-building skills. - Strong problem-solving capabilities. - Experience with organisational growth and change. - Ability to balance strategy and execution. - Strong decision-making skills. - Experience in building leadership teams. - Passion for building and shaping new initiatives. Benefits - Base salary £170k - £225k + Equity + Benefits. - Relocation assistance to the UK. - Visa sponsorship available. - Flexible working hours. - Learning budget of £1,000 a year for books, training courses and conferences.

Role Description We’re on a mission to make money work for everyone. We’re waving goodbye to the complicated and confusing ways of traditional banking. After starting as a prepaid card, our product offering has grown a lot in the last 10 years in the UK. As well as personal and business bank accounts, we offer joint accounts, accounts for 16-17 year olds, a free kids account and credit cards in the UK, with more exciting things to come beyond. Our UK customers can also save, invest and combine their pensions with us. 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 ❤️ About our Analytics Engineering Team: - Works in the intersection between data, engineering and our collectives - Money, Borrowing, Operations and Financial Crime and beyond. - Responsible for building downstream data models from backend services. - Aims to make our Data Warehouse a genuine competitive advantage for Monzo. - Supports decision making, Business Intelligence, key financial reconciliation processes and best in class analytics and Data Science. You'll be an individual contributor in our Analytics Engineering team, working across a variety of projects to: - Spot patterns in the way we build our Data Warehouse and optimise our BI platform, Looker. - Load and transform even more data. - Minimise our cloud costs. - Contribute using our best practices, keeping quality high. We are at an exciting stage in our growth and have roles available across Growth and Finance. Qualifications - Some experience and a passion for Data Modelling, ETL projects and Big Data as an engineer, developer or analyst. - Confidence with SQL and data modelling. - Comfortable with general Data Warehousing concepts. - Attention to detail. - Ready to be part of a growing team in new areas of growth! Requirements - Support the building of robust pipelines and data models downstream of backend services (mostly in BigQuery). - Build with optimisation of our Data Warehouse in mind, spotting and raising opportunities to reduce complexity and cost. - Help define and manage best practices for our Data Warehouse. - Follow our established best practices and standards defined by the team. - Investigate and effectively work with colleagues from other disciplines to monitor and improve data quality within the warehouse. Benefits - Salary: £57,800-£75,000. - Visa sponsorship available. - Flexible working hours. - £1,000 learning budget each year for books, training courses and conferences. - Work from home setup including Macbooks and additional support for remote workers. - Incentive Awards tied to your performance. - Plus lots more! Company Description 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. 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.

Role Description We’re on a mission to make money work for everyone. We’re waving goodbye to the complicated and confusing ways of traditional banking. Our product offering has grown significantly in the last 10 years in the UK, including: - Personal and business bank accounts - Joint accounts - Accounts for 16-17 year olds - A free kids account - Credit cards Our UK customers can also save, invest, and combine their pensions with us. 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 looking for a Credit Model Validation Manager to join our growing Borrowing (lending) business. Our Credit Model Validation team provides independent oversight and challenge to our model development teams to help Monzo grow safely and ensure that the models we use deliver good outcomes for our customers. You’ll have a particular focus on models used for customer-level decisioning and defining our credit strategies, including: - Underwriting scorecards - Origination PD models - Net Present Value (NPV) / unit economics models Strong data and analytical skills are a must, as is deep expertise in credit risk modelling. You’ll have hands-on experience in either model validation or model development within a financial services environment. Qualifications - Strong background and practical experience in credit model development and/or validation - Exposure to decision science scorecards, origination/underwriting PD models, and NPV/unit economics modelling - Data-driven with strong analytical skills - Deep understanding of statistical techniques for credit and model risk - Confident using SQL and Python - Experience with data visualisation tools such as Tableau or Looker is a plus - Strong written and verbal communication skills - Ability to articulate problems and solutions clearly - Track record of building and maintaining trusting relationships with stakeholders - Impact-driven and proactive in identifying issues and opportunities - Passionate about technology Requirements - Leading hands-on independent validation of models used for credit decisioning - Supporting oversight and validation of broader credit risk models - Developing deep understanding of Monzo’s credit models - Reviewing ongoing model performance monitoring - Performing statistical analyses to assess model performance - Improving our Model Risk Framework - Writing clear and impactful model validation reports - Partnering with colleagues in the first line of defence credit strategy and modelling teams - Embracing new and innovative technology Benefits - £79,000 - £93,000 + Incentive Awards tied to your performance - Flexible working hours - £1,000 learning budget each year - Support for work-from-home setup - Additional benefits available Company Description 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. We’re an equal opportunity employer, and 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.