You will develop and optimize unsecured credit risk and pricing strategies while monitoring the performance of lending portfolios. Additionally, you will build database tables and dashboards to provide insights that drive strategic business decisions.
Monzo
46 Remote Job Openings at Monzo
You will define and track key performance metrics while using statistical tools to uncover trends and insights from people data. Additionally, you will build dashboards and provide actionable recommendations to leadership to drive performance and organizational strategy.
The Senior Manager will own the operational delivery of people governance and accountability frameworks, ensuring compliance with regulatory requirements like SMCR and IAF/SEAR. They will also drive continuous improvement of processes and controls while partnering with cross-functional teams to manage risk and organizational change.
You will define the roadmap for the Credit Platform and lead the evolution of infrastructure that supports credit valuation and decisioning. Additionally, you will hire, coach, and develop a high-performing team of Credit Analysts to drive technical excellence and organizational impact.
Lead a cross-functional squad to build AI-first toolings and automate financial crime investigation workflows. Focus on reducing handling time and improving operational efficiency for Customer Operations while maintaining decision quality.
Conduct comprehensive KYB checks and risk assessments for business customers to prevent financial crime. Investigate suspicious activities and collaborate with Compliance, Legal, and Risk teams to ensure regulatory adherence.
Financial Crime Team Manager, Merchant Acquiring, Business Banking
Monzo
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Full Time
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7 days ago
Monzo
Lead and develop a team of Financial Crime Business Banking investigators focusing on merchant acquiring risks. Manage the full merchant lifecycle including onboarding, underwriting, and ongoing monitoring while ensuring compliance with card scheme rules.
Investigate complex anti-money laundering alerts and recommend the filing of Suspicious Transaction Reports. Perform high-risk customer onboarding decisions and ongoing due diligence while providing financial crime expertise to other teams.
Lead the end-to-end planning and execution of payment product launches across multiple teams and disciplines. Manage program roadmaps, dependencies, and stakeholders to ensure operational effectiveness and speed of delivery.
The role involves managing day-to-day benefits and leave policies, including the end-to-end renewal process and implementation of new programs. It also requires collaborating with internal stakeholders and external brokers to ensure compliance and seamless process design.
Lead research across Core Banking to shape a coherent Personal Banking research strategy and influence company-wide product roadmaps. Manage a team of 6-8 direct and indirect reports while defining the global research operating model.
Lead end-to-end sourcing processes and negotiate commercial terms to deliver measurable value within a defined category. Manage contract execution, renewal planning, and align stakeholders to drive confident commercial decision-making.
Design and build an in-house banking platform focusing on resilient software and distributed systems. Collaborate across disciplines to solve challenges ranging from customer-facing products to underlying infrastructure and security.
Provide second-line oversight of the Treasury investment portfolio, focusing on wholesale credit risk, liquidity, and market risk monitoring. Conduct independent credit assessments and stress testing for ABS and CLO structures to ensure safe growth.
Lead and develop a team of Fraud Investigators, focusing on the setup and scaling of a Spanish-speaking team. Responsible for driving performance through coaching, quality checks, and aggregating operational feedback for leadership.
Lead the design and deployment of advanced real-time ML models to detect financial crime and suspicious user behavior. Provide technical leadership and mentorship within the ML discipline while collaborating with cross-functional product squads.
Lead the development and deployment of advanced ML models to enhance search and discovery for the Monzo Co-pilot. Act as both a technical leader and individual contributor to build scalable, responsible AI solutions for over 15 million customers.
Lead the Machine Learning strategy and delivery for the Workforce Management vertical to optimize customer support supply and demand. Manage and coach a team of ML Scientists while collaborating with cross-functional product squads to ship production ML systems.
Drive the Financial Health strategy to support customers in financial hardship and improve customer outcomes. Collaborate with cross-functional teams to implement strategic changes and monitor portfolio performance using data.
Manage the end-to-end hiring process for tech roles, collaborating with hiring managers to define skill requirements and assessment methods. Focus on sourcing diverse talent and utilizing data to continuously improve recruitment processes.
Lead a distributed engineering organization to scale Monzo's banking operations across European markets. Partner with cross-functional leaders to define strategy, navigate regulatory requirements, and drive alignment across multiple product collectives.
Lead a team of ML scientists to define and execute the Borrowing ML roadmap for UK growth and EU expansion. Oversee the development of underwriting, pricing, and lifecycle decisioning models to improve commercial impact and strategic advantage.
Architect and govern the data layer for the Borrowing domain, transforming complex technical problems into scalable data products. Lead the design of reusable feature stores and infrastructure patterns to support analytics, ML, and regulatory reporting.
Build robust data pipelines and models in BigQuery to support internal reporting, machine learning, and regulatory use cases. Optimize the data warehouse to reduce complexity and cost while defining best practices for data modelling and quality.
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.
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 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.
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 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 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.
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.
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 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.
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 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 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.
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.
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.