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! We’re not about selling products - we want to solve problems and change lives through Monzo ❤️ 🔑You’ll play a key role by... - Perform independent model validations of FinCrime/Fraud models using proportionate modelling techniques depending on the level of complexity applied. - Write clear and impactful model validation reports and present the findings in relevant committees. - Review of any FinCrime/Fraud model changes and provide recommendations to first line teams to ensure the models remain fit for purpose. - Build relationships with first line of defence Fincrime/Fraud modelling teams and wider risk teams to support the embedding of the model risk framework. - Support team lead in reviewing ongoing model performance monitoring to ensure the FinCrime/Fraud models are performing within risk thresholds. - Support the broader Model Oversight team with model validation activity in other disciplines to manage peak demand. - Research and learn latest modelling and validation techniques. - Support the effective operation of the Model Risk Oversight Committee as a regular attendee. - Support the promotion and embedding of a strong risk culture. Qualifications - You are highly motivated and energised by the idea of bringing positive impact to our customers and Monzo. - You are self-motivated and thrive in a fast-paced environment. - You have great attention to detail while keeping an eye on the big picture. - You are a great communicator, able to articulate complex problems. - You can provide effective challenge whilst building strong, respectful relationships. - You are keen to grow your knowledge in both business and technology. Requirements - Experience in developing and/or validating any of Financial Crime, Fraud, Credit, Interest Rate, Liquidity, Regulatory capital, Stress testing and/or forecasting models. - In-depth knowledge of statistical techniques for management of risks. - Experience of managing a modelling project through its full lifecycle. - Strong technical skills such as SQL or Python. - Working knowledge of machine learning models: gradient boosted trees, etc. - Some understanding of Customer Risk assessment controls at point of Current Account application. - Experience in transaction driven business or similar industry. Benefits - £59,500 to £70,000 (depending on experience) + Incentive Awards tied to your performance + benefits. - This role can be based in our London office, but we're open to distributed working within the UK. - Flexible working hours and trust you to work enough hours to do your job well. - £1,000 learning budget each year to use on books, training courses and conferences. - 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.

Title: Sr Mgr, Enterprise Risk Mgmt The Location: GA, US The Division: Risk Job Id: 9115 Salary Range: $140,000 - $185,000 Job Description: We’ve Got You Under Our Wing We are the duck. We develop and empower our people, cultivate relationships, give back to our community, and celebrate every success along the way. We do it all…The Aflac Way. Aflac, a Fortune 500 company, is an industry leader in voluntary insurance products that pay cash directly to policyholders and one of America's best-known brands. Aflac has been recognized as Fortune’s 50 Best Workplaces for Diversity and as one of World’s Most Ethical Companies by Ethisphere.com. Our business is about being there for people in need. So, ask yourself, are you the duck? If so, there’s a home, and a flourishing career for you at Aflac. Work Designation. Depending on your location within the continental US, this role may be hybrid or remote. - If you live within 50 miles of the Aflac offices located in Columbus, GA or Columbia, SC, this role will be hybrid. This means you will be expected to work in the office for at least 60% of the work week. You will work from your home (within the continental US) for the remaining portion of the work week. Details of this schedule will be discussed with your leadership. - If you live more than 50 miles from the Aflac offices located in Columbus, GA or Columbia, SC, this role will be remote. This means you will be expected to work from your home, within the continental US. If the role is remote, there may be occasions that you are requested to come to the office based on business need. Any requests to come to the office would be communicated with you in advance. What does it take to be successful at Aflac? - Acting as a Champion for Change - Acting with Integrity - Communicating Effectively - Demonstrating Initiative - Developing Talent - Managing Performance - Pursuing Self-Development - Serving Customers - Supporting Change - Supporting Organizational Goals - Working with Diverse Populations What does it take to be successful in this role? - Knowledge of insurance products, operations and related regulations - Excellent presentation, oral, written, and interpersonal communications skills to effectively interact with Aflac’s senior management, and internal and external business contacts - Knowledge of legal, political, economic and environmental impacts on insurance products and the organization’s operations - Strong project management, leadership, and practice development skills - Ability to manage multiple work streams simultaneously and to meet deadlines - Personnel and talent management skills and experience - Good judgement related to people and talent Education & Experience Required - Bachelor's Degree in Risk Management, Finance, Accounting, Business Administration or a related field - Ten years of professional job-related experience - Experience formulating, executing and managing Enterprise Risk Programs including risk framework, risk culture, limit setting, and managing risk appetite - Experience developing and / or governing a Risk and Control Self-Assessment (RCSA) Program, and / or Process, Risk, and Control Inventory (PRCI) Program and / or an Issue Management Program - Five years in a leadership/supervisory capacity Or an equivalent combination of education and experience Education & Experience Preferred - Master's Degree in related field - Financial Risk Manager (FRM), Certified Public Accountant (CPA), Chartered Financial Analyst (CFA), Associate of the Society of Actuaries (ASA), Fellow of the Society of Actuaries (FSA), Chartered Enterprise Risk Analyst (CERA), Certified Risk Management Professional (CRMP), or other risk management or related designation - Insurance or financial institution experience Travel Less than or equal to 10% Principal Duties & Responsibilities - Leads and guides enterprise-wide risk strategic initiatives including the creation of enterprise risk policies and practices covering elements such as risk identification, assessment, appetite and limit setting, monitoring and reporting. Advises team members on risk management practices and facilitates communication with business leaders and local risk teams. - Collaborates with various departments on business strategies and risk management activities, staying abreast of changes and communicating to team members and other stakeholders as needed. - Leads and guides enterprise risk reporting in order to provide stakeholders a holistic view of the company’s risk profile and risk management activities, including reporting to regulators (i.e ORSA), various rating agencies, risk committees, and other ad-hoc reporting to leadership and/or the Board. - Directs and strategizes the placement of enterprise-wide Property & Casualty and Executive & Management Liability coverage and other necessary insurance and surety programs for Aflac Inc.’s operations to reduce risk and losses. Ensures appropriate coverage is maintained and retains effective relationships with insurance carriers and brokers; stays abreast of emerging insurance news and events, which could impact Aflac’s insurance portfolio. - Monitors industry trends, regulatory developments and ERM best practices and makes recommendations to leadership, the Chief Global Risk Officer and other stakeholders. - Ensures that consistent and constructive feedback is provided to employees through performance evaluations and other means of communication; monitors progress of new employees and identifies training needs of new and experienced employees. Assesses team skills to ensure that capability exists to provide required services to business stakeholders. - Participates on and may lead enterprise-wide large and/or complex projects that require the highest level of expertise; leads project teams focused on risk management practices, design, development, integration, and enhancement activities. - Challenges and directs the ERM team to proactively monitor projects and/or existing processes, looking for ways to improve the accuracy, timeliness, relevance, etc. - Drives and leads the development, coordination, communication, and implementation of strategic risk management initiatives, as directed by leadership. - Maintains professional and technical knowledge by attending educational workshops, reviewing professional publications, participating in professional development and establishing personal networks; benchmarks state-of-the-art practices that are appropriate for the organization. - May direct and strategize the placement of enterprise-wide Property & Casualty and Executive & Management Liability coverage and other necessary insurance and surety programs for Aflac Inc.’s operations to reduce risk and losses; ensures appropriate coverage is maintained and retains effective relationships with insurance carriers and brokers; stays abreast of emerging insurance news and events, which could impact Aflac’s insurance portfolio. - Performs other related duties as required. Total Rewards The salary range for this job is $140,000 - $185,000. This range is specific to the job and salary offers consider a wide range of factors that are considered in making compensation decisions, including, but not limited to: education, experience, licensure, certifications, geographic location, and peer compensation. The range has been created in good faith based on information known to Aflac at the time of the posting. At Aflac, it is not typical for an individual to be hired at or near the top of the range for the role to allow for future and continued salary growth, and compensation decisions are dependent on the circumstances of each case. This salary range does not include any potential incentive pay or benefits, however, such information will be provided separately when appropriate. In addition to the base salary, we offer an array of benefits to meet your needs including medical, dental, and vision coverage, prescription drug coverage, health care flexible spending, dependent care flexible spending, Aflac supplemental policies (Accident, Cancer, Critical Illness and Hospital Indemnity offered at no costs to employee), 401(k) plans, annual bonuses, and an opportunity to purchase company stock. On an annual basis, you’ll also be offered 11 paid holidays, up to 20 days PTO to be used for any reason, and, if eligible, state-mandated sick leave (Washington employees accrue 1-hour sick leave for every 40 hours worked) and other leaves of absence, if eligible, when needed to support your physical, financial, and emotional well-being. Aflac complies with all applicable leave laws, including, but not limited to, sick and safe leave, and adoption and parental leave, in all states and localities.

• Monitor the IT project portfolio, ensuring visibility of status, risks, and deliverables • Lead and support governance forums and executive meetings • Monitor and analyze KPIs and performance indicators • Perform budget control (planned vs. actual) and support financial planning • Structure and track action plans, risks, audits, and vulnerabilities • Drive continuous improvement of IT processes based on industry best practices • Prepare dashboards and executive presentations for leadership

• Provide operational support to the underwriting and credit review process. • Assist credit risk in analyzing customer financial statements and overall business financial health. • Iterate with customer success, product and engineering teams on the customer experience. • Interact with customers and partners directly on requests. • Educate internal teams and customers on Slope’s risk policies. • Work directly with internal and external stakeholders on documentation of procedures. • Partner with data science, customer success, and credit risk to develop KPIs. • Ensure timely repayment from customers through outbound and inbound communication.