Senior Fraud Risk Manager

🚀 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 ❤️ 📍London/Cardiff/UK Remote | 💰£108,700 - £140,000 + equity + Incentive Awards tied to your performance + Benefits ✨ Our Financial Crime & Fraud Collective ⭐ We’re all about building trust and keeping our community safe while helping Monzo grow. The Financial Crime & Fraud Collective is at the heart of this work. As a Senior Fraud Risk Manager, you’ll lead the charge in keeping fraudsters at bay so our customers can bank with total confidence! You’ll get to work across current accounts, business banking, international accounts, and more. While you’ll be managing people and programs, you should also be excited to roll up your sleeves and get hands-on. We need a crack team of crime fighters to help us stay one step ahead as we continue to grow. 🔑 You’ll play a key role by... Helping to lead our fast-growing global Fraud & Disputes Risk team and work alongside leaders across our cross-functional Fraud Squads. We’re looking for a proactive, collaborative leader who really knows fraud risk management inside and out - spanning several of our authorised fraud, unauthorised fraud, first-party fraud, and disputes specialisms You’ll build great relationships with our Product, Engineering, Data, and Operations teams to design smooth, effective fraud controls, investigation processes, and reporting. You’ll also champion a positive team culture and make sure key fraud initiatives stay on track. Your Core Focus Areas include: • Fraud Strategy & Operational Execution: Join squad leadership to turn our big-picture fraud vision into practical roadmaps for our UK and EU Banks. You’ll strike the perfect balance between smart protection controls and a seamless customer experience. • Control Framework & Fraud SME: Be our go-to expert on fraud typologies and prevention tools, overseeing end-to-end design and rollout of strong controls. • Threat Intelligence & Performance Analytics: Embed data and threat monitoring to catch new fraud trends early, turning insights into quick control improvements. • Cross-Functional Coordination: Partner closely with Product, Engineering, and Ops to keep initiatives aligned and moving forward. • People Leadership & Capability Building: Coach, mentor, and grow a fantastic fraud risk team while supporting everyone’s personal and professional development. 🤩 We’d love to hear from you if… • You have strong experience leading fraud strategy and risk teams, ideally in a fast-moving, regulated environment. • You know UK & EU fraud regulations inside out. • You’re skilled at building tech-driven fraud strategies that scale across operations. • You have a proven track record of delivering end-to-end projects and large-scale change programs. • You stay plugged into industry trends and can quickly respond to new fraud risks. • You excel at balancing fraud risk with business goals and collaborating to ship new products safely. • You’re a supportive coach who loves developing high-performing teams. • You’re an empathetic communicator who aligns messaging with our core values. • You’re data-driven, comfortable self-serving data, and love using tech to solve problems. • You hold a relevant industry qualification (such as ICA, Cifas, ACAMS, or CFE). 🙌 What’s in it for you 💰 £108,700 - £140,000 ➕Incentive Awards tied to your performance. 📍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 • 30 min call with the recruiter • 30 min hiring manager call • 2 hours of technical and leadership principle interviews This process should take around 4-5 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. #LI-OS1 #LI-REMOTE 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, 2026 Diversity and Inclusion Report and 2025 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 st