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Manage and oversee Fraud and Financial Crime operations and outsourced partners, monitor metrics, drive remediation with product and tech teams, support assurance and audit activities, liaise with MLRO and 2LOD, and enable automation and vendor performance to mitigate fraud across products.

The Enterprise Risk Manager will manage risk processes, support the Risk Appetite Framework, execute risk assessments, and promote risk culture across the organization.

Senior second-line-of-defence role providing technical leadership and independent validation across financial risk: IRRBB, model validation, ICAAP/ICAAP stress testing, liquidity/ALM oversight, regulatory submissions, risk reporting, and advisory support to Treasury/Finance. Ensures governance, documentation, and regulatory alignment while presenting to committees and supporting remediation and audit readiness.

Lead 2nd-Line assurance over Monzo Europes risk framework: plan and execute effectiveness and thematic reviews across conduct, financial crime, fraud, credit, operational, ICT and information security risks; identify remediation, engage stakeholders, contribute to governance and risk culture, and report findings to senior management and the Board.

Lead forecasting, budgeting and multi-year planning for EU business areas. Prepare management reporting and insights for senior leadership, drive commercial performance through financial analysis, partner with stakeholders to inform investment decisions, build business cases, and improve financial processes and forecasting accuracy.

Provide company secretarial and corporate governance support for Monzo Europe in Dublin: manage Board and committee logistics and minutes, ensure statutory and regulatory compliance (CRO filings, registers), maintain governance policies and processes, support KYC corporate requests, and act as governance business partner to stakeholders and board members.