Lead the independent validation of credit decisioning models, including machine learning and NPV models, to ensure they are fit for purpose and governed. Provide challenge to model developers and improve the Model Risk Framework to align with regulatory guidelines.
Monzo
49 Remote Job Openings at Monzo
Lead the credit risk function for business borrowing by designing and implementing credit and pricing strategies. Manage a team of analysts to monitor portfolio performance and support the roll-out of new lending products.
Lead the strategy and development of workforce systems to optimize demand forecasting, capacity planning, and service performance. Build and scale a high-performing team to create production-grade data products that support live operational decisions.
Build and maintain systems that enable internal teams to train, deploy, and serve machine learning models and AI features safely. Develop backend services, Python libraries, and low-latency serving systems to support fraud checks and credit decisions.
Provide second-line oversight of the Treasury investment portfolio, focusing on wholesale credit risk, liquidity, and market risks. Conduct independent credit reviews, stress testing of ABS and CLO structures, and monitor Treasury Dealing controls.
Lead the strategy and execution of CRM campaigns for Core Banking to drive customer engagement and growth. Manage automated lifecycle journeys across email, push, and in-app channels while collaborating with data analysts and product teams.
Lead complex financial crime investigations for business banking, including Enhanced Due Diligence and multi-jurisdictional money muling cases. Responsible for submitting high-quality SARs to the NCA and coaching other investigators on crime typologies.
Deliver assurance reviews across key regulations and processes to manage compliance and conduct risks. Provide actionable feedback and high-quality reports to stakeholders to strengthen the control environment.
Build and optimize robust downstream data models in BigQuery to support internal reporting, machine learning, and regulatory use cases. Define and manage best practices for the data warehouse, including payload design, metadata standards, and data governance.
Serve as a data architect for Operations data, designing scalable models in BigQuery to support reporting, ML, and regulatory use cases. Lead the re-architecture of data domains and establish best practices for data warehouse standards and governance.
Collaborate within a cross-functional squad to build and support specific parts of the Monzo banking platform. Focus on creating performant web experiences and resilient backend services to solve customer problems.
Lead and develop a team of Machine Learning specialists to build and improve models that detect financial crime and fraud. Partner with cross-functional stakeholders to translate ambiguous fraud problems into reliable, high-impact ML controls.
Lead the Fraud & Disputes Risk team to develop and embed effective fraud controls and prevention-first tools. Collaborate with Product, Engineering, and Data teams to protect customers across all product lines including banking and wealth.
Lead Monzo's international policy strategy and government relations engagement, focusing on expansion in the EU and US. This involves managing relationships with policymakers and coordinating policy responses across corporate, product, and AI categories.
Lead the planning and production of key prudential deliverables, including the annual group ICAAP and recovery plans. Ensure financial risk is managed within risk appetite and oversee compliance with the Resolution Assessment Framework.
Lead complex mixed-methods research projects to improve customer outcomes and influence Monzo's strategic north star metrics. Provide transparent line management and mentorship to high-performing researchers within the Wealth Collective.
Lead and develop high-performing Financial Crime teams while driving operational excellence in AML and risk processes. Partner with stakeholders to improve workflows and monitor performance metrics to ensure regulatory compliance.
Senior Investigator, Operations Analyst, Financial Crime (Multilingual)
Monzo
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Full Time
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13 days ago
Monzo
Investigate complex high-risk financial crime cases and make risk-based decisions on customer onboarding and monitoring. Partner with cross-functional teams to improve operational processes, controls, and compliance outcomes.
Investigate suspicious transactions and gather evidence to protect customers and the bank from fraud. Coordinate with law enforcement, other banks, and CIFAS to mitigate financial crime risks.
Lead a team of credit analysts to oversee portfolio monitoring, forecasting, and risk-based pricing strategies for the Flex product. Collaborate cross-functionally within a product squad to optimize customer engagement and mitigate losses through data-driven frameworks.
Lead the credit, pricing, and distribution strategies for the Flex market expansion while managing a team of analysts. You will design real-time decisioning journeys and partner with cross-functional squads to optimize lending economics.
Lead the Controls Testing team to manage a programme of design and operational effectiveness testing. Drive the automation of testing through AI and data analytics to optimize the control suite and ensure safe business growth.
Lead offensive security projects by simulating real-world attacks to uncover vulnerabilities across systems, infrastructure, and products. Partner with engineering teams to improve detection and resilience while producing proof-of-concept exploits to drive fixes.
Lead the integration of Habito's suppliers into Monzo's third party risk management framework. Design and implement operational processes to ensure compliance with global risk regulations and governance models.
Set the long-term design vision and lead large, end-to-end design projects in ambiguous problem spaces. Partner with cross-functional leaders to execute product strategies and mentor designers to foster a culture of growth.
Establish and lead the technical accounting policy function for Group, UK, and EU regulated entities. Act as the primary technical interface to assess commercial proposals and translate complex standards into actionable business advice.
Lead the creation of product visions and solve complex, ambiguous design challenges to improve customer experience. Drive improvements in design systems and mentor other designers to foster team growth.
Lead the transition to a proactive secure-by-design architecture for core platform primitives and eliminate systemic security risks. Manage a high-performing team of security engineers while collaborating with the CISO and CTO on the long-term security roadmap.
Design and refine credit underwriting and limit strategies to optimize risk and growth for credit card products. Analyze portfolio performance and build profitability models to provide strategic recommendations to senior stakeholders.
You will serve as a data architect for Borrowing data, designing scalable models and maintaining best practices for the data warehouse. Additionally, you will lead technical initiatives to elevate data standards and collaborate with cross-functional teams to support reporting, machine learning, and regulatory requirements.
You will lead a team of analytics engineers to build and scale a high-performance data warehouse while fostering the professional development of your direct reports. Additionally, you will drive data governance best practices and act as a strategic partner to various business collectives to ensure data-driven decision-making.
You will provide expert legal and regulatory advice to product teams to support the development of business banking and merchant payment solutions. Additionally, you will collaborate with cross-functional stakeholders to ensure operational compliance and manage legal risks across the organization.
This is a hands-on engineering leadership (IC) position where the engineer partners with Directors to shape technical and product direction across multiple squads (30-70+ engineers). Responsibilities include being hands-on in coding and architecture, leading complex systems design, and setting a high bar for technical excellence across the collective.
As a backend engineer, you will collaborate with your team to build and support specific parts of Monzo's banking platform. You will work alongside various disciplines to solve interesting challenges and improve customer experiences.
As a backend engineer, you will collaborate with your team to build and support specific parts of Monzo's banking platform. You will work alongside various disciplines to solve interesting challenges and improve customer outcomes.
The Engineering Manager is accountable for delivery across their squad(s) and collaborates with the Technical Lead and Product Manager. They are responsible for fostering engineering excellence and supporting the growth of their team members.
As a product backend engineer, you will collaborate across disciplines to test hypotheses and make a difference to customers. You will work in a squad to build and support a particular part of Monzo.
The Senior Engineering Manager will lead multiple teams and be responsible for structuring, organizing, and supporting their teams to deliver on their mission. They will also be accountable for the technical and delivery outcomes for their area.
The Engineering Manager is accountable for delivery across their squad, collaborating with the Technical Lead and Product Manager. They are responsible for fostering engineering excellence and supporting the growth of their team members.
As a backend engineer, you will collaborate with your team to build and support specific parts of Monzo's banking platform. You will work alongside various disciplines to solve interesting challenges and improve customer outcomes.
As a Senior Engineering Manager, you will lead multiple teams and be responsible for structuring and supporting your team to deliver on their mission. You will also be accountable for the technical and delivery outcomes for your area.
The role involves collaborating within a squad alongside various disciplines to build and support a specific part of Monzo's banking platform. Backend engineers will work on innovative areas, potentially including machine learning and AI applications for tasks like fighting financial crime or building smarter financial tools.
As a product backend engineer, you will collaborate across disciplines to test hypotheses and make a difference to customers. You will work in a squad to build and support a particular part of Monzo.
Collaborate with the team to build and support a specific part of Monzo, working within a squad alongside various disciplines like product managers, designers, and other engineers. The role involves contributing to innovative work, potentially involving machine learning and AI, across collectives like Core Banking, Payments, or Security.
The Engineering Manager is accountable for delivery across their squad(s) and collaborates with the Technical Lead and Product Manager. They are responsible for fostering engineering excellence and supporting the growth of their team members.
As a Senior Engineering Manager, you will lead multiple teams and be responsible for structuring, organizing, and supporting your team to deliver on their mission. You will also be accountable for the technical and delivery outcomes for your area.
As a backend engineer, you will collaborate with your team to build and support specific parts of Monzo's banking platform. You will work alongside various disciplines to solve interesting challenges and improve customer outcomes.
As a product backend engineer, you will collaborate across disciplines to test hypotheses and make a difference to customers. You will work in a squad to build and support a particular part of Monzo.
The Payments Expert will handle complex payment-related issues, providing support to both customers and team members. They will also engage in interbank communications and manage various payment processes.