Get AI‑powered advice on this job and more exclusive features. 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 ✨ Dublin, Ireland | Competitive remuneration package, share options, benefits Our Finance team Our finance team is growing and we’re hiring a dynamic Director of Finance to lead our EU financial operations. This strategic role involves commercial leadership, shaping financial strategies for growth and efficiency, and providing key insights to business units. You’ll manage budgeting and forecasting, oversee relationships with outsourced providers for accounting and tax, and manage audits. As a leader, you’ll ensure financial integrity and support strategic decision‑making to achieve Monzo’s mission of making money work for everyone. The role you are applying for is a Controlled Function (CF‑1) within the meaning of the Central Bank Reform Act, 2010. For this role, appointment will be conditional on Monzo being fully satisfied that the appointee meets the requirements as set out in the Fitness and Probity Standards 2018 issued by the Central Bank of Ireland. As a CF, the role holder will be subject to Conduct Standards under the Central Bank of Ireland Individual Accountability Framework and will be required to take reasonable steps to ensure that the relevant conduct standards are met. Key responsibilities Play a pivotal role in shaping financial strategies to fuel business growth and operational efficiency across EU operations. Stay abreast of market trends, regulatory shifts, and emerging technologies to continuously enhance and innovate financial processes. Serve as a trusted advisor to the CFO and the Executive team, offering strategic insights and guidance on financial matters. Collaborate with business units, providing financial insights and analytics to inform strategic and operational decisions. Support business initiatives through robust financial analysis and risk assessment, working alongside cross‑functional teams. Cultivate strong relationships with senior stakeholders to understand their objectives and tailor financial support accordingly. Lead the budgeting and forecasting processes for Monzo EU, ensuring alignment with Monzo’s Group strategic goals. Provide detailed financial analysis and modelling to support strategic initiatives and investment decisions. Identify and analyze key financial metrics to assess performance and recommend improvements. Oversee and manage the relationship with the outsourced provider responsible for financial accounting, statutory financial statements, reconciliations, and tax obligations. Develop and enforce SLAs and performance metrics to ensure high standards of service delivery and compliance with accounting standards and tax regulations. Review and approve all financial reports and statements prepared by the outsource provider to ensure accuracy and compliance. Manage both internal and external audit processes, ensuring thorough preparation and facilitating audits to meet all regulatory requirements. Liaise with auditors and ensure any findings are addressed promptly and effectively. Maintain strong internal controls and ensure compliance with all financial regulations and standards. We’d love to hear from you if… Are a Qualified Accountant with proven experience post qualification. Have significant experience in a senior finance leadership role, with strong commercial and financial acumen. Demonstrated expertise in banking, business partnering and driving financial strategy aligned to an organisation’s core mission and values. Proven track record of working in a business, managing cross‑functional teams, with multiple stakeholders, including Executive Committee and Board. Strong leadership and team management abilities, with experience working in a dynamic, fast‑paced environment, proficient in presenting business and financial data in a simple and meaningful way. Exceptional communication and interpersonal skills, with the ability to influence and collaborate at all organisational levels. Familiarity with digital banking and fintech trends is advantageous. Not ticking every box? That’s totally OK! 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 Competitive remuneration package, share options. Hybrid working model, based in our Dublin office 2‑3 days a week. Flexible working hours and trust you to work enough hours to do your job well. 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 – minimum contribution 4% with Monzo matching up to 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 Video call with recruiter (30 minutes). Video call with hiring manager (30 minutes). A round of technical and behavioural interviews (60 minutes and 45 minutes). A final leadership principles call (30 minutes). 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. You’ll hear from us throughout the application process, but if you have any questions, please reach out to business-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, neuro‑diversity or anything else. 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, the 2024 Diversity and Inclusion Report and the 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, neuro‑diversity 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 We’re unlocking community knowledge in a new way. Experts add insights directly into each article, started with the help of AI. #J-18808-Ljbffr
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 ✨ Dublin | €85,000 - €103,500 + share options + Benefits ⭐ What We’re Looking For As a Senior Fraud 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. 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 Operations and Outsourced Services Providers 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 Fraud 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 prioritisation and reporting. 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. Support the evolution of Monzo’s Fraud control framework to prepare for PSR/PSD3, and working with Product, Risk and Technical teams to define solutions and deliver. 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/working groups both internal and external. 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 Fraud risks (e.g. account take over, authorised fraud & insider fraud) and regulatory requirements within Ireland and across other EU jurisdictions. You are passionate about protecting our customers and Monzo from Fraud. 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. 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 #J-18808-Ljbffr
A leading financial institution in Dublin is looking for a Senior Fraud Risk Manager to ensure regulatory compliance and manage fraud risks. This role entails collaboration across teams for Monzo's EU expansion and supporting compliance monitoring activities. Ideal candidates are experienced in fraud risk management within the EU, possess strong analytical skills, and excel in stakeholder management. The position offers a competitive salary ranging from €85,000 to €103,500, along with benefits and a hybrid work model. #J-18808-Ljbffr
Director of Operational Risk & Enterprise Risk Management Join Monzo Bank as the Director of Operational Risk & Enterprise Risk Management. The role is based in our Dublin office, a hybrid model 2–3 days a week with occasional travel across the EU. Competitive salary, share options, private healthcare, pension, annual leave and learning budget provide a comprehensive benefits package. Overview Monzo Bank Europe is an Irish-based subsidiary that drives Monzo’s expansion across the EU. We are seeking a seasoned Director to lead the development, implementation and oversight of risk frameworks in Europe. Reporting to the Chief Risk Officer, the incumbent will provide second‑line oversight of key operational risks, including ICT, Information Security, Payments and Third‑Party and Outsourcing risks, while maintaining EU enterprise risk governance standards. Responsibilities Operational Risk Management Develop, implement and maintain the EU Operational Risk Framework aligned with Monzo Group strategy. Formulate and oversee the operational risk appetite, ensuring alignment with strategic objectives. Lead governance of operational risk policies, performing assurance testing to validate implementation. Lead scenario analysis and validate internal operational risk capital models to ensure capital adequacy. Implement advanced monitoring and Management Information processes, including KRIs and KCIs. Provide second‑line (2LoD) oversight across ICT, Information Security, Payments and Third‑Party/Outsourcing risks. Oversee end‑to‑end collection and analysis of operational loss and incident data, driving root‑cause analysis. Lead the review and oversight of operational resilience initiatives, ensuring compliance under DORA and local regulations. Enterprise Risk Management (ERM) Implement and evolve the Bank’s Risk Strategy and Framework to provide a comprehensive, end‑to‑end view of operations. Formulate and maintain the Bank’s Risk Appetite Framework and Statement (RAS). Lead end‑to‑end Risk Governance cycles, including preparation, management and execution of the Executive Risk Committee (ERC). Design, coordinate and maintain the risk assessment process, ensuring robust risk and control identification. Design and lead a proactive Emerging Risk process, identifying and assessing long‑term external threats. Own and maintain the EU Risk Taxonomy, Risk Register and Impact Matrix. Promote a robust risk culture across the organisation, embedding risk awareness and accountability. Prepare and present holistic risk reports to the Board and Executive Committees. Design and execute targeted risk training programmes for all employees. Lead the ‘Office of the CRO’, overseeing resource planning, budgeting and secretariat services. Leadership Establish and lead the Operational and Enterprise Risk function in Europe. Partner closely with first‑line leaders to embed robust risk management into daily operations. Ensure European Risk frameworks, policies and standards harmonised with Monzo Group activities. Serve as a key member of the second‑line Risk Leadership Team. Spearhead a proactive risk management culture through training and awareness programmes. Qualifications At least 10 years of experience in Operational and Enterprise Risk Management within a banking environment, including a minimum of 5 years in a significant leadership capacity. Strong subject matter expertise across ICT, Information Security, Third Party and Outsourcing, Payments and Business Continuity, with proven navigation of CBI, EBA, and ECB/SSM regulatory landscapes. Proficiency in the full risk toolkit, including RCSA, KRIs/KCIs, Control Testing and Scenario Analysis, alongside core ERM processes. Detailed understanding of digital banking products and the unique risk/control challenges inherent in high‑growth fintech operations. Exceptional communication skills with the ability to influence senior executives and board‑level stakeholders. Ability to thrive in a fast‑paced, evolving environment, translating complex risk concepts into actionable business insights. Passion for fintech and drive to lead Monzo’s expansion across Ireland and the EU. Experience setting up and running operational risk and outsourcing in Ireland/EU. Previous PCF role or equivalent with a financial services institution in Ireland or equivalent jurisdiction. Benefits Competitive salary and share options. Hybrid working model based in our Dublin office. Flexible working hours and trust to work to your own rhythm. Annual leave - 34 days including public holidays. €1,200 learning budget each year. Private healthcare scheme. Pension scheme with Monzo matching up to 6%. Wellbeing benefits covering financial education, mental health support and more. Application Process Introductory screening call with a member of the hiring team. Initial call with the hiring manager. Series of interviews assessing technical, behavioural and leadership skills. This process should take around 2‑3 weeks and we promise to be as flexible as possible. Applications will be considered until we have enough candidates for the next stage. If you’re successful, we’ll work with you to find a suitable start date. Equal Opportunity Monzo is an equal opportunity employer. All applicants will be considered without attention to age, ethnicity, religion, sex, sexual orientation, gender identity, family or parental status, national origin, or veteran, neurodiversity or disability status. We encourage applicants to use a preferred name at the application stage. #J-18808-Ljbffr
A leading fintech company is seeking a Director of Operational Risk & Enterprise Risk Management based in Dublin. This hybrid role involves overseeing risk frameworks across the EU and managing key operational risks such as ICT and information security. Ideal candidates have 10+ years' experience in risk management within a banking environment, strong leadership skills, and expertise in fintech operations. The position offers a competitive salary, share options, private healthcare, and a generous learning budget. #J-18808-Ljbffr
