Director of Fraud

• Lead Monzo's Fraud & Disputes Risk team as Fraud Director, working as part of the wider Fraud & Disputes Group Leadership Team. • Be at the forefront of innovation, employing the latest technologies to craft prevention-first tools that keep Monzo several steps ahead of criminals. • Work across Monzo's global teams covering all product lines including current accounts, business banking, borrowing, and wealth. • Work remotely from anywhere in the UK or from Monzo's London or Cardiff offices, with flexible working hours.

• Have significant experience leading highly effective risk teams, ideally in a regulated and fast-paced environment. • Have deep knowledge of fraud regulations in the UK and EU. • Know how to work hand-in-hand with Product, Engineering, and Data teams, finding the balance between a product-led mindset and deep fraud risk expertise. • Have experience prioritising and developing innovative fraud management strategies, using the latest technology to scale and implement them. • Quickly and confidently understand, articulate, and respond to emerging trends and risks across the fraud landscape. • Speak to and influence senior internal and external stakeholders with confidence and in line with Monzo's values. • Be a great manager and coach with a track record of developing high-performing teams, using continuous feedback to empower individuals and drive tangible impact. • Be data-driven with the ability to self-serve and use technology to solve problems and identify opportunities.

• Have experience leading fraud risk teams specifically within a digital bank or fintech environment. • Bring experience building and embedding fraud controls across multiple product lines simultaneously. • Have experience working across global teams and managing fraud risk in multiple jurisdictions. • Bring experience with machine learning and AI-powered fraud detection and prevention systems. • Have experience creating a positive team culture across a large, cross-functional fraud group.

• Lead the Fraud & Disputes Risk team at Monzo, working as part of the wider Fraud & Disputes Group Leadership Team. • Build strong and trusted relationships with Fraud Product, Engineering, Data, and Operations teams. • Work collaboratively to build and embed effective fraud controls and processes for customers while creating a positive culture across the Fraud Group. • Work across Monzo's global teams covering all product lines including current accounts, business banking, borrowing, and wealth. • Employ the latest technologies to craft and develop prevention-first tools that keep Monzo ahead of criminals. • Ensure the continued trust and safety of customers by staying at the forefront of fraud innovation. • Lead, coach, and develop a high-performing team using continuous feedback to empower individuals and drive tangible impact.

We have been Monzo customers for years and have always loved their beautiful, simple app UI. We believe their product has a positive impact on millions of customers, motivating them to be more conservative with their spending and helping them save money. Monzo, as a company, has consistently grown over the past 10 years and is known for its strong company culture, generous benefits, and leadership that strives to be truly transparent and cares about its colleagues. It is a company that helps you advance your career and grow as a professional, working with great teams. If you like to join a thriving, upcoming bank and help millions of customers lead a financially sound life, Monzo gives you the opportunity to push ahead.

• Earn £136,000–£180,000 plus incentive awards tied to performance. • Work remotely from anywhere in the UK or from Monzo's London or Cardiff offices. • Work flexible hours that suit you and your team. • Access a £1,000 annual learning budget for books, training courses, and conferences. • Receive a full work-from-home setup including a MacBook, with extra support for fully remote workers.

Monzo is on a mission to make money work for everyone. Starting as a prepaid card, the product offering has grown over 10 years in the UK to include personal and business bank accounts, joint accounts, accounts for 16–17 year olds, free kids accounts, credit cards, savings, investments, and pension combining. The Financial Crime & Fraud Collective works to protect Monzo's community, earning and keeping customers' trust while making sure the bank grows safely.