We’re on a mission to make money work for everyone.

We’re waving goodbye to the complicated and confusing ways of traditional banking.

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 ️

We’re looking for an experienced leader to scale our fincrime and fraud program for the US. This pivotal role will ensure that our strategies, systems and processes effectively detect, prevent, and respond to financial crimes and fraudulent activities while supporting our growth objectives. You will work closely with senior leadership, legal/compliance teams, and Product/Eng partners to build robust, proactive measures against financial crime risks.

• Strategy Development: Build and implement anti-financial crime, fraud prevention, and risk management strategies that align with regulatory requirements, industry best practices, and Monzo’s objectives
• Data Analysis: Build and refine rules and models to improve customer and transaction decisioning
• Technology Integration: Collaborate with Data, Product, and Eng teams to implement solutions for detecting and preventing financial crimes as Monzo scales
• Vendor Management: Own supplier relations, including evaluation, onboarding and managing performance of 3rd party tools and technology
• Team Leadership: Build and lead a high-performing fraud operations team to meet SLAs. Foster a culture of continuous improvement, professional development, and collaboration.
• Policy and Procedure Oversight: Implement and enforce policies and procedures related to financial crime and fraud prevention, including BSA/AML and KYC requirements, through rules and controls
• You’ve built and scaled successful fincrime and fraud programs within fintechs
• You are proficient in SQL and are familiar with writing fraud and AML rules within Risk platforms
• You make data driven decisions to optimize both risk prevention and customer experience
• You are a problem solver, and can simplify complex fincrime problems for technical and non-technical audiences
• You’re an action-oriented problem solver, and have built scalable processes
• You have built strong relationships and collaborate with partners to reach alignment and resolve issues
• You can drive clarity amidst ambiguity and focus on the things that matter
• You’re a team player and can roll up your sleeves to get things done

Not ticking every box? That’s totally okay! Studies show that women and people of colour might hesitate to apply unless they meet every single requirement. At Monzo, we’re dedicated to creating a diverse and welcoming team. If you’re passionate about this role and keen to learn and grow with us, we encourage you to apply— even if you don’t have everything that's listed just yet. Drop us your application, we’d love to hear from you!

What’s in it for you

This role will be based out of our San Francisco office

We have a hybrid working schedule, and trust you to work enough hours to do your job well, at times that suit you and your team

Learning budget of $1,500 a year for books, training courses and conferences

Generous 401k with 4% employer match

And much more, see our full list of benefits here

The application journey has 4 key steps

• Initial Call
• Interview with Hiring Manager
• Take Home Task
• Cross Functional Interviews (Virtual and In Person)

This process should take around 3-4 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.

You’ll hear from us throughout the application process, but if you’ve got any questions, please reach out to hiring@monzo.com. You can also use this email address to let us know if there’s anything we can do to make the process easier for you because of disability, neurodiversity or anything else.

#LI-EL1

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 , 2024 Diversity and Inclusion Report and 2024 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

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