As a Senior Financial Crime Risk Manager at Monzo, you will support the European Risk & Compliance function, ensuring Monzo Bank Europe complies with regulatory obligations and effectively manages financial crime risk. This 12-month fixed-term contract involves constructive regulatory engagement, strategic oversight of Financial Crime Operations, cross-functional collaboration, and data-driven reporting to align teams with Monzo's Financial Crime vision and strategy for EU expansion.

Must Have

• Support Director of Fraud & Financial Crime Risk (MLRO) in regulatory engagement
• Ensure First Line of Defence Financial Crime Operations are effective
• Combine hands-on execution with strategic thinking
• Partner with Product, Risk, Engineering, Operational, and Change teams
• Use data to create compelling presentations and reports for Financial Crime prioritisation
• Oversee and co-ordinate Monzo Bank Europe’s compliance monitoring & assurance activities
• Define Financial Crime requirements for expansion to new jurisdictions
• Collaborate across the company to remove roadblocks and solve complex challenges
• Support MLRO in performance of delegated duties and attendance at key forums/committees
• Formulate and execute strategic projects aligned with Monzo's EU expansion

Good to Have

• Depth of expertise in Financial Crime risks and regulatory requirements within banking or payments in Ireland and other EU jurisdictions
• Passionate about Financial Crime and protecting Monzo and our customers
• Curious, multi-tasker who thrives in fast-paced, varied environments
• Track record of driving outcomes by building consensus and influence
• Strong analytical skills
• Problem solver who takes initiative to create high impact for stakeholders
• Excel at stakeholder management and coordination across multiple teams
• Organised, detail-oriented, and have excellent time management skills
• Communicate effectively and clearly

Perks & Benefits

• Share options
• Flexible working hours
• 34 days annual leave (including public holidays)
• €1,200 learning budget each year
• Private healthcare scheme
• Pension scheme (Monzo matches up to 6%)
• Wellbeing benefits (financial education, women’s and men’s health support, mental health benefits, including coaching and counselling)

Senior Financial Crime Risk Manager (Fixed Term Contract)

Ireland

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🚀 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 ❤️

Hear from our UK team about what it's like working at Monzo ✨

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📍Dublin | 💰€85,000 - €103,500 + share options + Benefits | Hear from the team ✨

⭐ What we’re looking for:

As a Senior Financial Crime Risk Manager who can support our European Risk & Compliance function, you'll play a critical role in ensuring that Monzo Bank Europe implements solutions to comply with our regulatory obligations and effectively manage risk. This is a 12 month Fixed Term Contract.

• Regulatory Engagement: Support the Director of Fraud & Financial Crime Risk (MLRO) in constructive engagement with the Central Bank of Ireland and other regulatory bodies.
• Strategic Oversight: Ensure that First Line of Defence Financial Crime Operations are operating effectively, providing advice and challenge as appropriate.
• Strategic Doer: Combine hands-on execution with strategic thinking to align cross-functional teams with our Financial Crime vision and strategy.
• Stakeholder Collaboration: Partner with Product, Risk, Engineering, Operational and Change teams across Monzo jurisdictions to coordinate and contribute to key initiatives, ensuring alignment across teams.
• Data-Driven Insight and Storytelling: Use data to create compelling presentations and reports that support Financial Crime prioritisation.

🔑 You’ll play a key role by…

• Overseeing and co-ordinating Monzo Bank Europe’s compliance monitoring & assurance activities with colleagues across the three lines of defence.
• Defining Financial Crime requirements for expansion to new jurisdictions and working with Product, Risk and Technical teams to define solutions and deliver these.
• Collaborating across the company to remove roadblocks and solve complex challenges relating to Monzo's EU expansion.
• Supporting the Director of Fraud and Financial Crime Risk (MLRO) in the performance of delegated duties and attendance at key forums/committees.
• Formulating and executing strategic projects aligned with Monzo's EU expansion.

🤩 We'd love to hear from you if…

• You have a depth of expertise in Financial Crime risks and regulatory requirements within banking or payments in Ireland and other EU jurisdictions.
• You are passionate about Financial Crime and protecting Monzo and our customers.
• Are a curious, multi-tasker who thrives in fast-paced, varied environments.
• You have a track record of driving outcomes by building consensus and influence.
• You have strong analytical skills.
• You are a problem solver who takes initiative to create high impact for stakeholders.
• Excel at stakeholder management and coordination across multiple teams.
• Are organised, detail-oriented, and have excellent time management skills.
• Communicate effectively and clearly.

🙌 What’s in it for you

💰💰€85,000 - €103,500 + share options + benefits

📍This role will have a hybrid working model, based in our Dublin office

⏰ 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.

🏝 Annual Leave - 34 days including public holidays (24 holiday days + 10 public holidays)

📚€1,200 learning budget each year to use on books, training courses and conferences

🏥 Private healthcare scheme

💰 Pension scheme: the minimum contribution is 4% and Monzo matches any additional contributions that you make up to a maximum of 6%

💛 Wellbeing benefits: financial education, women’s and men’s health support, mental health benefits, including coaching and counselling

🌈 The application journey has 4 key steps

• 30 min call with the Recruiter
• 30 min call with the Hiring Manager
• 2 hours of technical and behavioural interviews
• Final call with senior leadership

This process should take around 2-3 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.

#LI-MOS1

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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, 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 😊