Remote in the UK 🇬🇧 | 💰 £29,450 - £37,000 (+ £2,500 Multilingual Premium) + Benefits

👋 Hey there! We're Monzo, the bank that's making money work for everyone. We're all about waving goodbye to old-school banking and creating magical moments for our customers. This is an exciting time to join us as we continue to grow, and in this role as a Senior Investigator you'll play a key part in supporting our customers.

🔑You’ll play a key role by...

• Investigating complex or high-risk anti-money laundering alerts on business accounts.
• Responsible for recommending Suspicious Transaction Reports (STR) be by Monzo Bank EU.
• Making business onboarding decisions in high-risk or complex cases.
• Conducting ongoing due diligence on high-risk business accounts.
• Providing financial crime expertise and support to other operational teams across the business.
  
  

🤩We’d love to hear from you if…

• You have strong English written and verbal communication skills.
• You are Fluent in Italian both written and verbal communication skills.
• You have strong experience of conducting high-risk business banking screening or complex business financial crime investigations.
• You have experience making independent, risk-based financial crime decisions in a regulated financial services firm.
• You have knowledge of the current financial crime landscape in the UK and the EU, and associated financial crime risks.

The working hours to be covered by the team will be 7am - 6.30pm and this will be based on 8.5 hours per day (with a 1 hour lunch included).  This will include 1 in 4 weekends.  The successful candidate will be required to be flexible in order to meet our customer demand. The start for the role will be in September 2026 and you must be able to commit to the first 8 weeks of training Monday to Friday 9am-5.30pm. No holidays/time off will be authorised during this period.

🙌 What’s in it for you

💰£29,450 - £37,000 (+ £2,500 Multilingual Premium) 

🎂 We guarantee to approve time off on your birthday if it falls on a day you’re scheduled to work and it’s outside of your training period.

📍 This role is remote based in the UK.

📚£1,000 learning budget each year to use on books, training courses and conferences.

🏡 We will set you up to work from home; all employees are given Macbooks and for fully remote workers we will provide extra support for your work-from-home setup.

➕ Plus lots more! Read our full list of benefits.

🌈 Ready to join the Monzo adventure?

Apply now and help us make money work for everyone in the EU!

The application journey has 4 key steps

• Application questions.
• Call with a Recruiter.
• Interview to discuss your previous experience and technical knowledge and values.
• The final step will consist of a Italian language assessments

Not ticking every box? That’s totally okay! Studies show that women and people of colour might hesitate to apply unless they meet every single requirement. At Monzo, 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!

We have some guidelines on using Artificial Intelligence (AI) to ace an application and interview at Monzo. You can read them here.

Our average process takes around 5 weeks but we will always work around your availability.

We may close the advert should we have sufficient applications so please get your application in as soon as possible to avoid disappointment.

London/UK Remote | 💰£53,000 - £70,000 + Benefits  ✨

As our first Product Operations Manager for Acquiring, you will own the "0 to 1" operational build-out. You will be responsible for ensuring that when a merchant accepts a card payment, the money moves accurately, unhappy paths like chargebacks are managed smoothly, and support is world-class.

Our Product Ops team ⭐

Product Ops at Monzo sits at the intersection of product, tech and operations. Product Ops managers are responsible for ensuring that the products we build can be serviced sustainably and to the high quality that Monzo customers expect.

Product Ops is a relatively new team at Monzo, so while your day to day will be spent with the acquiring team, you will also be partly responsible for shaping the future of product operations at Monzo, and how it can become a key part of our delivery functions.

🔑 You’ll play a key role by supporting…

• Hardware, chargeback, and regulation insight: You’ll act as a source of knowledge within the product team on key topics that are new in acquiring - hardware support, chargeback handling and reconciliation as well as regulation and schemes rules
• Operational Delivery: You’ll ensure accurate, efficient, compliant, and delightful design (from scratch!) and delivery of key operational elements. You’ll define how we handle problems like chargebacks, reconciliation issues, hardware support, aiming for maximum automation while protecting Monzo and our merchants. 
• Performance management: You’ll also be responsible for ensuring we meet SLAs, KPIs and are making improvements where necessary across areas.
• Best Practices: You’ll champion best practices within the team and customer operations for all internal operations, both supplier-facing, customer-facing, and internal to Monzo.
• Product Development: You’ll share customer feedback, pain points and ideas with the Product Team, and help them shape our product and ensure we build the right technical solution for our teams and customers.
• Customer Service Collaboration: You’ll collaborate hand-in-hand with our customer operations team to ensure we build the appropriate processes, communicate efficiently, compliantly, and empathetically with our customers.
• Fincrime & Fraud collaboration: You’ll partner with FinCrime and Fraud to strike the balance between frictionless and safe for us and our merchants in our product, and how we tackle alerts and prevent new risk vectors. 

🤩 We’d love to hear from you if…

• You have significant experience in operations for an acquirer or card acceptance provider. 
• You understand the lifecycle of a card transaction from the merchant's perspective (Auth, Capture, Settlement, Refund, Chargeback) and are comfortable unpicking a reconciliation issue
• You are experienced tackling the complexity of physical card machines: from shipping and activation to security, troubleshooting, and returns
• You know scheme rules, PCI-DSS, chargeback processes, fraud risks for acquiring inside and out
• You’re excited by building and scaling operations from scratch to serve millions of small businesses.
• You love solving problems, take a structured approach to them, and are a systems thinker. You don’t just fix a problem once, but find the fix that makes it disappear.
• You’re analytical in developing scalable operational strategies and well-versed at leveraging data to inform your thinking.
• You enjoy 'getting things done' at pace and achieving tangible outcomes and thrive in ambiguity.
• You pride yourself on strong attention to detail.
• You work collaboratively with people at all levels and across functions and cultures.

🙌 What’s in it for you

💰 £53,000 - £70,000➕ Benefits

📍This role can be based in our London office, but we're open to distributed working within the UK (with ad hoc meetings in London) 

⏰ 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. 

📚 £1,000 learning budget each year to use on books, training courses and conferences.

🏡 We will set you up to work from home; all employees are given Macbooks and for fully remote workers we will provide extra support for your work-from-home setup. 

➕ Plus lots more! Read our full list of benefits.

🌈 The application journey has 3 key steps

• Short call with  Monzo Recruiter
• Video-call with the Hiring Manager
• Full Loop: 2 x GoogleMeet interviews (45 - 60 minutes each)

This process should take around 4-6 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.

⏳We’ll only close this role once we have enough applications for the next stage. Please submit your application as soon as possible to make sure you don’t miss out. 

🚩 Please note: We are not able to offer visa sponsorship for this role. Only applicants with Right to Work in the UK will be considered.

#LI-REMOTE

#CM-1

📍 London / UK | Salary dependent on experience + Stock Options + Benefits 

Flex is one of Monzo’s fastest-growing and most commercially significant products. Four years ago, we reinvented the credit card experience—building something simpler, more transparent, and genuinely useful. Today, over a million customers use Flex.

We’re looking for a Product Director to lead Flex into its next phase of growth.

This is a high-impact, deeply commercial role at the intersection of product and credit. You’ll define how we scale borrowing responsibly, expand into new segments, and continue building products customers genuinely love.

You’ll work closely with Engineering, Credit, Data, Design, and senior leadership to identify new opportunities, optimise performance across complex segments, and deliver at pace.

What you’ll be working on…

Set the strategy for Flex

• Set direction for one of Monzo’s most important revenue-driving products
• Identify and unlock new commercial opportunities across customer segments
• Navigate complex trade-offs between growth, risk, and customer outcomes

Drive commercial performance

• Work closely with Credit teams to shape propositions across multiple risk segments and cohorts
• Interrogate performance deeply — from unit economics to long-term profitability curves
• Identify and drive new commercial opportunities

Champion the customer

• Ensure Flex remains rooted in strong customer outcomes, not just revenue
• Push for simple, transparent, and delightful experiences
• Advocate for customer experience alongside commercial outcomes

Build and lead a high-performing team

• Manage and develop a team of Product Managers
• Deliver multiple high-impact initiatives through your direct reports
• Raise the bar on product thinking and foster a culture of high standard and high velocity

🌟 What We’re Looking For

Commercial Thinking 

• Strong commercial instinct — you think in terms of trade-offs, economics, and outcomes
• Comfortable operating in complex environments (e.g. multiple segments and cohorts with different commercials)
• Able to engage deeply with Credit and Data partners
• Experience in lending, credit cards, or adjacent borrowing products 

Consumer Focus

• You start with the customer never lose track of their needs
• You’re willing to challenge revenue-driven decisions when they conflict with good customer outcomes
• You have strong product taste and care deeply about experience quality

Execution & Leadership 

• Proven ability to deliver in fast-paced environments with multiple workstreams
• Comfortable going deep in the detail while leading through others
• Strong cross-functional leadership across technical, credit, and governance stakeholders

What’s in it for you:

💰Base salary dependent upon experience + Stock Options + Benefits

✈️ We can help you relocate to the UK  

✅ We can sponsor visas

📍This role can be based in our London office, but we're open to distributed working within the UK (with ad hoc meetings in London).

⏰ We offer flexible working hours and trust you to work enough hours to do your job well, at times that suit you and your team.

📚Learning budget of £1,000 a year for books, training courses and conferences

➕And much more, see our full list of benefits here

#LI-AC1