Machine Learning Manager, Fincrime

• Lead ML specialists across different seniority levels in Monzo's Fraud group, building controls that protect customers from scams, stolen-card fraud, account takeover, and other fast-changing threats. • Help the team deliver high-impact ML systems while growing a healthy, inclusive, and high-performing team, reporting to the Senior ML Manager for the FinCrime Collective. • Work on ambiguous fraud problems and turn them into reliable controls that make a measurable difference for customers across a bank with over 15 million users. • Work remotely from anywhere in the UK or from Monzo's London or Cardiff offices, with flexible working hours.

• Have managed Machine Learning specialists and delivered through others, wanting to move further into people management. • Have strong ML judgement and be able to guide teams through the full model lifecycle from problem framing and feature/model development through to deployment, monitoring, governance, and iteration. • Be comfortable working in ambiguous, high-impact problem spaces where there often isn't one right answer. • Build trusted relationships with Product, Risk, Engineering, Data, and senior stakeholders, and know how to bring the right people into the right conversations early. • Focus on outcomes over process and help a team prioritise work that protects customers and moves the business forward. • Know what good looks like for production ML systems and raise the bar through coaching, review, standards, and pragmatic decision-making. • Communicate clearly with technical and non-technical audiences, especially when explaining trade-offs, risks, and recommendations. • Care deeply about building inclusive teams where people with different levels of experience can grow, challenge each other, and do high-quality work sustainably.

• Have experience in fraud, financial crime, risk, regulated environments, or customer protection. • Bring experience with model explainability, reproducibility, and observability in production ML systems. • Have experience contributing to ML discipline-wide practices around hiring, ways of working, and cross-team patterns. • Bring experience with model governance and documentation in a regulated financial services environment. • Have experience building ML controls for real-time fraud detection or transaction monitoring.

• Manage, coach, and develop a team of Machine Learning specialists, helping them do the best work of their careers through regular 1:1s, clear feedback, and thoughtful development plans. • Help the Fraud group focus ML effort on the highest-impact problems, balancing customer protection, regulatory expectations, operational impact, and delivery pace. • Partner with PMs, Risk Partners, Engineering Managers, Data Managers, and senior ML/Data colleagues to shape roadmaps, unblock delivery, and make clear trade-offs. • Create the conditions for high-quality ML delivery: reliable model development, deployment, monitoring, governance, documentation, and ownership across the full model lifecycle. • Hold a high bar for ML excellence in Fraud including model performance, explainability, reproducibility, observability, and safe operation in production. • Make sure ML products are owned, maintained, and improved over time rather than treated as one-off projects. • Build a strong team culture where people give and receive useful feedback, learn from each other, and work well with cross-functional partners. • Contribute to the wider Machine Learning and Data discipline at Monzo including hiring, improving ways of working, and sharing patterns that help other teams move faster and more safely.

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 £113,200–£153,200 plus incentive awards tied to performance. • Receive visa sponsorship and relocation assistance to the UK. • 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 and Fraud team builds controls that help protect customers from scams, stolen-card fraud, account takeover, and other fast-changing threats, with Machine Learning central to spotting risk, making better decisions, and keeping customers safe.