<strong><em>🚀 We’re on a mission to make money work for everyone.<br><br></em></strong>We’re waving goodbye to the complicated and confusing ways of traditional banking.<br><br>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.<br><br>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!<br><br>We’re not about selling products - we want to solve problems and change lives through Monzo ❤️<br><br><strong>📍 London or Remote UK | 💰 up to £85,000 + Benefits<br><br>⭐️ Our Risk and Controls team<br><br></strong>Like any other regulated bank, we need to make sure we are managing our risks and controls, and are fully compliant with regulation. But at Monzo, we want to do so while continuing with our agile “test and learn” approach to launching products our customers love. We are looking for a Risk & Controls Manager to help our 2LOD Enterprise Risk Team and 1LOD Risk & Control Discipline partner with Habito stakeholders to ensure we successfully roll-out and embed our risk management framework and change controls across the company.<br><br><strong>The Role<br><br></strong>As a Risk & Control Manager on a <strong>12 month fixed term contract</strong>, you will use your passion for risk and control to support our integration with Habito across all components of our risk framework. Monzo is a fast-paced and ever changing environment: flexibility, and openness to pivot and focus on different components of our risk frameworks is a must.<br><br>Teams across the first line in Monzo seek guidance from the Risk & Control Discipline on how to ensure they are compliant with regulations and Monzo’s Enterprise Risk Management Framework and they also rely on us to create a risk aware culture that distinguishes Monzo in both banking and technology. Within the Habito integration plan, you will lead the way in creating our approach for real-time risk management by accurately identifying and documenting risks, issues and controls, and also setting the standard on our consumer duty integration activities.<br><br><strong>🔑 You’ll play a key role by...<br><br></strong><ul><li>Helping to innovate and improve the embedding of existing of change, governance and risk management process to ensure they work for Habito</li><li>Supporting Habito to develop and improve controls that protect our customer and business needs now and in the future</li><li>Manage and report on Habito' risk and control environment (risks, controls, issues, incidents, remedial actions, etc.) across both product and operational support domains</li><li>Help embed robust regulatory, conduct, and operational risk practices and culture </li><li>Identify and set up appropriate risk appetite metrics and embed reporting of these for Habito</li><li>Foster positive and collaborative relationships across the three lines of defence<br><br></li></ul><strong>🤩We’d love to hear from you if…<br><br></strong><ul><li>You have considerable risk and control experience, across operational and conduct risk in a regulated environment</li><li>You have a demonstrable ability to lead risk assessments, with a data-led approach to risk identification, assessment and treatment</li><li>You have an understanding of how risk frameworks work in practice</li><li>You have experience with issue and action management</li><li>You’re excited about helping Monzo and Habito scale in a compliant, thoughtful and controlled way</li><li>You’re resilient and comfortable working in a fast paced and ambiguous environment where the day to day job is constantly evolving and changing</li><li>You are able to meet people where they are at, and be the a bridge between internal teams</li><li>You are a self-starter, and able to work independently and make prioritisation decisions<br><br></li></ul>It would be a bonus if you have experience in risk management in mortgage brokerage firms or Consumer Duty and experience applying these regulations and principles to day-to-day work<br><br><strong>🌈 The Interview Process<br><br></strong>Our interview process involves 4 main stages:<br><br><ul><li>Short call with a recruiter </li><li>30 minute video-call with the hiring manager</li><li>Full-Loop (2 x 60 minute interviews conducted via GoogleMeet)<br><br></li></ul><strong>🙌 What’s In It For You<br><br></strong>💰 up to £85,000<br><br>📍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)<br><br>⏰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.<br><br>📚£1,000 learning budget each year to use on books, training courses and conferences.<br><br>🏡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.<br><br>➕ Plus lots more! Read our full list of benefits.<br><br>This process should take around 2–3 weeks – your schedule is really important to us, so we promise to be as flexible as possible! Please note that the start date for this role is<strong> May 2026<br><br></strong>We have some guidelines on using Artificial Intelligence (AI) to ace an application and interview at Monzo. You can read them here.<br><br>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.<br><br><strong>Equal opportunities for everyone<br><br></strong>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, 2024 Diversity and Inclusion Report and 2024 Gender Pay Gap Report.<br><br>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 status, national origin, or veteran, neurodiversity or disability status.<br><br>If you have a preferred name, please use it to apply. We don't need full or birth names at application stage 😊<br><br>