Monzo Bank

• Conduct quality checks on senior fraud investigators to drive performance and identify coaching opportunities. • Handle feedback from L20 Investigators and work alongside EU Senior manager & EU Operations analysts to improve process/guidance. • Manage personal & professional development of a team of senior investigators. • Foster a positive, supportive, and high performance culture in the team with high levels of engagement. • Chair employee relations cases and make decisions consistent with Monzo’s values. • Work with Senior Manager on building EU team from scratch and how to scale the team for future growth.

• Provide technical leadership and ship impactful ML-based solutions • Collaborate with cross-functional product squads including product managers, data scientists, and engineers • Design and develop advanced real-time Machine Learning models • Identify and scope impactful opportunities to tackle Financial Crime and Fraud

• Technical leader and individual contributor in Machine Learning • Build and ship models to help customers search for financial products • Develop and deploy advanced ML models to 15 million customers • Involve user and product embeddings and personalised ranking algorithms • Support experimentation and innovation to solve customer problems

• Create engaging security awareness content across channels including Slack, email, presentations, training, and events. • Develop micro-learning, behavioural nudges, and awareness campaigns that encourage secure habits across Monzo. • Manage the day-to-day delivery of the security awareness programme, including campaigns, content, documentation, and reporting. • Translate complex security topics into clear, practical guidance that helps Monzonauts make confident decisions. • Use behavioural insights, metrics, and user feedback to continuously improve security awareness and influence the roadmap. • Partner with Security, People, Tech, Risk, and Customer Operations to improve security behaviours, reduce user friction, and communicate emerging threats.

• Leading from the front by being the key point of contact and bringing it all together for important projects • Defining and breaking down scope, getting buy-in and prioritization • Baselining project plans, managing activity flow metrics, identifying critical path and dependencies, proactively resolving issues • Allocating spend, forecasting and tracking actuals, proactively preventing over-spend and managing contingencies • Ensuring benefits are defined, quantifiable and achieved • Securing internal and external resources; managing virtual teams • Ensuring clear roles and responsibilities, early escalation, and clear decision making • Managing risks and issues within risk and issue management framework • Producing regular reporting in an effective and efficient manner • Sharing and implementing best practices in project/program management

• Supporting the implementation and operation of Monzo’s risk management framework, including embedding of the risk and control self assessment process and 2nd line oversight and monitoring • Partnering with teams to help develop new products and features by embedding good risk practices, particularly Finance and Wealth / Investment departments • Managing and following up on risk events that happen at Monzo, partnering with teams to find solutions and identify risks and controls • Conducting in-depth reviews of different areas of the business, their adoption and implementation of technology, regulatory compliance and reporting on operational risk matters to oversight committees • Reviewing and assessing changes to operational processes that impact on our company risk profile • Analysing Operational Risk data such as incidents, external event scanning and operational losses to provide insights and identify any trend(s) and/or risk(s). • Promoting and helping embed a strong risk culture, making risk meaningful and relevant to everyone at Monzo. You will share best practice that it is easy for everyone to understand

• Architecting Borrowing’s data layer at scale. • Designing and governing data products. • Building feature stores and reusable analytical assets. • Scaling our analytics engineering infrastructure. • Driving cross-product data consistency. • Being a senior technical partner for Borrowing’s data estate. • Leading through influence and leverage.

• Gathering evidence from flagged transaction data and customers’ claim submissions and probing further where needed. • Using Monzo’s values to investigate suspicious transactions with empathy and attention to detail. • Reassuring and supporting customers through the process of identifying active fraud. • Safeguarding compromised accounts and ensuring customers can resume safe usage of their Monzo account. • Providing advice and support to victims of fraud on future protections. • Communicating with other banks about potential fraudsters in the customer base. • Communicating with CIFAS regarding potential fraudsters. • Engaging with law enforcement about crimes discovered during investigations. • Submitting accounts for closure based on investigation findings.

• Lead the strategy and planning of areas of Core banking, including sizing of opportunities and stakeholder alignment • Execute customer lifecycle CRM journeys across multiple touch points • Interpreting data insights into actionable opportunities • Work across the full Monzo suite of products to ensure we’re targeting the correct moments in a users lifecycle with the right products and features • Be the overseer of always on communications across all CRM products • Create and embed processes and ways of working with the wider CRM team and data analysts • Work closely with team members to collaborate and help deliver a range of campaigns across multiple channels • Monitor campaign performance and ensure campaigns are executed safely • Campaign QA (helping to check through set up thoroughly as a second pair of eyes before launch) • Collaborate with other CRM Managers in developing effective segmentation strategies to target relevant audiences for each campaign • Deliver campaigns with a test and learn data driven approach • Owning existing processes and always-on campaigns within the team, and keeping these documented and up to date

• Taking ownership of the most complex FinCrime Business Banking tasks, including Enhanced Due Diligence (EDD) for high-risk businesses, Complex Customer Reviews (e.g., sensitive areas like Sexual Services flags), 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.