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 ❤️
London/Cardiff/UK Remote | £85,000 - £115,000 + equity + Incentive Awards tied to your performance + Benefits ✨
This role sits at the heart of Monzo’s Control Discipline change agenda, supporting the delivery of a future, technology-first, and data-driven risk management model. As Monzo scales into new products and markets, this role will be instrumental in embedding agility, automation, and intelligence into how we manage risks and controls across the business.
⭐ Our Controls team
The role will sit within the Controls organisation, working closely with cross-functional teams across the organisation including Technology, Data and Risk & Compliance. As this is a newly established team, this roleholder needs to bring a flexible and adaptable mindset, as well as a willingness to deal with ambiguity as the team establishes its operating rhythm and embeds itself within the wider business.
You’ll play a key role in...
- Leading the Control Discipline data and technology strategy and roadmap, making sure it aligns with Monzo’s expansion plans and Group Risk strategy.
- Creating a scalable operating model: Working with Risk & Control leads to design and deliver a service model that supports a global organisation.
- Risk & control data transformation: Partnering with Data and Engineering to translate risk management needs into technology and data requirements to achieve the scaling objectives and help Risk Engineering prioritise needs accordingly to support the transformation agenda.
- Real-time risk management: Supporting the shift from manual risk assessments to ‘always on’ risk management. This involves working with other risk managers to identify data-driven triggers, designing automated monitoring systems, and creating alerting mechanisms that empower risk owners to act on emerging threats in real-time rather than at a point in time.
- Platform Evolution: Working with 2nd Line and Technology to evolve our Risk & Control application strategy to deliver simplification, automation and enhanced user value.
- Innovation and AI: Championing AI in risk management by identifying enterprise partners to build sustainable solutions with Monzo, running PoCs and experiments where necessary, and building business cases to use AI-driven solutions in risk management. Where necessary, leading the contract negotiations and relationship management.
- Programme Management Office (PMO): Owning the transformation programme roadmap, including any reporting requirements to executives and committees, and keeping stakeholders engaged and consulted throughout the transformation lifecycle.
- Maintaining a central view of all initiatives, set milestones, identifying possible risks and dependencies, and tracking delivery against milestones.
- Supporting the ongoing development of our processes, systems and controls to ensure that they are scalable and aligned to our strategy.
- Managing project schedules, setting milestones, identifying possible issues and clearly communicating them to stakeholders.
- Technology & Data risk mindset: Instilling a culture of being technology and data led in the Control Discipline, identifying and partnering with culture carriers in the Discipline, to make sure the transformation programme delivers sustainable value.
- Collaboration, Communication & Leadership: Bringing excellent stakeholder management, building strong partnerships with Risk, Data, Product, Engineering, Procurement, 3rd parties, and Control leads to deliver change.
We’d love to hear from you if…
- You have programme management experience in a financial services environment
- You have experience in leading teams (preferably Risk and Control teams) through change programmes
- You have experience in implementation of Risk and Control systems and processes
- You have an open mind, are able to operate in a a fast-paced, sometimes unstructured environment, and can think outside the box
- You see the enormous opportunity offered by AI and are comfortable building and writing prompts to solve real control problems
- You think ‘tech and data’ first and constantly seek ways to improve processes
- You are hands-on and take satisfaction in supporting colleagues, projects or tasks however big or small - and can take a range of stakeholders on the journey with you
- You’re excited by what we’re doing at Monzo
ℹ️ This role isn’t for you if…
- You aren’t comfortable with ambiguity, or thinking from first principles
- You don’t enjoy working in a fast-paced environment
- You aren’t happy taking an MVP approach and doing what’s good enough for now with iterative changes to follow
What’s in it for you
£85,000 - £115,000 ➕Incentive Awards tied to your performance.
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! Read our full list of benefits.
The application journey has 3 key steps
- Short call with a Monzo Recruiter
- Video-call with Hiring Manager (30 mins)
- Full-Loop: 3 x video-call interviews covering Technical, Behaviours, and Leadership)
This process should take around 4-5 weeks - your schedule is really important to us, so we promise to be as flexible as possible!
We have some guidelines on using Artificial Intelligence (AI) to ace an application and interview at Monzo. You can read them here.
⏳We’ll only close this role once we have enough applications for the next stage. Please submit your application as soon as possible to make sure you don’t miss out.
#LI-REMOTE
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Equal opportunities for everyone
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. You can read more in our blog, 2026 Diversity and Inclusion Report and 2025 Gender Pay Gap Report.
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.
If you have a preferred name, please use it to apply. We don't need full or birth names at application stage