Senior Machine Learning Scientist, Financial Crime

Were on a mission to make money work for everyone.

Were 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 aspersonal 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 andcombine 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!

Were not about selling products - we want to solve problems and change lives through Monzo

Hear from our UK team about what its like working at Monzo

Cardiff London or Remote UK Salary stocks benefits Hear from the team

About Fincrime:

Our Machine Learning Scientists play a crucial role in our financial crime team directly impacting Monzos profitability by mitigating fraud and scams which are often major cost drivers for banks. They ensure customer safety and significantly influence the overall customer experience. The tangible benefits of their work whether for customers or the company provide immense satisfaction.

Their responsibilities span various financial crime domains including fraud detection and prevention transaction monitoring for suspicious activities customer risk assessment and the development of operational tooling.

Youll play a key role by:
This role sits as part of a multidisciplinary squad collaborating with other Machine Learning Scientists Data Scientists Backend Engineers Operations specialists Product managers and Risk managers. Youll play a key role by leveraging your deep experience of developing and deploying advanced Machine Learning models as to:

• Automatically and accurately detect suspicious user behaviours while minimising impact to genuine customers and operational costs.
• Adapt quickly and appropriately to changing fraud and financial crime trends ensuring our detection systems remain performant through time.
• Design machine learning solutions that scale globally.

The technical approaches you take to solve these problems will be very much in your hands and well strongly encourage and support experimentation and innovation. Well be expecting you to justify and demonstrate effectiveness along the way making sure the approach meets our business and customer needs.

You should apply if:
What were doing here at Monzo excites you!

• You have a track record of deploying advanced Machine Learning models tackling real business problems with demonstrable impact preferably in a fast moving tech company.
• Youre impact driven and excited to own the end to end journey that starts with a business problem and ends with your solution having a measurable impact in production.
• You have a passion for sharing knowledge and raising the technical bar across the team.
• You have a self-starter mindset; you proactively identify the most impactful issues and opportunities and collaboratively tackle them without being told to do so.
• Using advanced ML techniques to ensure Monzos customers money stays safe even if their card phone or account is compromised sounds exciting to you.
• You have extensive experience writing production Python code and a strong command of SQL. You are comfortable using them every day and keen to learn Go lang which is used in many of our backend microservices.
• You have experience developing and shipping deep learning graph-based and/or sequence-based ML architectures to production and delivering business impact.
• You thrive working on ambiguous problems and have a track record of helping your team and stakeholders resolve that ambiguity.
• You have strong communication skills and are able to explain complex technical concepts to non-technical stakeholders
• You want to be involved in building a product that you and the people you know use every day with a product mindset that prioritises customer outcomes and data-informed decisions.
• Youre excited about fast-moving developments in Machine Learning and can communicate those ideas to colleagues who are not familiar with the domain.
• Youre adaptable curious and enjoy learning new technologies and ideas.

Nice to haves:

• Experience in supporting your team in shaping the ML strategy of your area
• Experience working with financial crime operations and in regulated institutions
• Commercial experience writing critical production code and working with microservices
• Experience in evaluating ML models in live environments such as through A/B tests

Whats in it for you

Well help you relocate to the UK.

We can sponsor your visa.

This role can be based in our London office but were 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.

1000 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.

Our interview process involves 3 main stages.

We promise not to ask you any brain teasers or trick questions!

• 30 minute recruiter call
• 45 minute call with hiring manager
• 1 take home task
• 2 x 1-hour video calls with various team members

Our average process takes around 3-4 weeks but we will always work around your availability.

You will have the chance to speak to our recruitment team at various points during your process but if you do have any specific questions ahead of this please contact us on

Equal opportunities for everyone

Diversity and inclusion are a priority for us and were making sure we have lots of support for all of our people to grow at Monzo. At Monzo were 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.

Were 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.

If you have a preferred name please use it to apply. We dont need full or birth names at application stage