Senior Accounting & Financial Operations Analyst

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

Senior Accounting & Financial Operations Analyst - Monzo US

New York San Francisco or Remote $89300 - $120800 share options Benefits Hear from the team

At Monzo were building the future of digital banking - one that puts people first not fees. We believe money should work for everyone helping you grow save and spend in ways that actually fit your life.

We started in the UK and became one of the most loved digital banks trusted by millions. Now were bringing that same energy innovation and heart to the U.S. - empowering people to take control of their finances with clarity simplicity and confidence.

Our U.S. team is on a mission to make digital banking that grows your money your way. Whether its cashback rewards that fit your real habits high-yield savings with no hidden catches or smart budgeting tools that simplify life everything we build is designed to lift people up not trip them up

But what truly sets Monzo apart isnt just our product - its our people. Were a team of builders problem-solvers and big thinkers united by a shared belief that finance can (and should) be fair transparent and empowering. We care deeply about the work we do and the impact it has on real peoples lives.

If youre ready to make a difference and help build a bank that rewards people for being themselves come join us. Lets grow together.

About Us

Monzo Group is a leading financial technology company with over 13 million customers in the UK committed to providing modern banking the last few years weve built a banking app that our customers love with extremely high daily engagement an industry leading net promoter score and award-winning customer support. Weve raised over $1 billion from Capital G Googles growth fund Ribbit Capital TenCent YCombinator Stripe Coatue and others - most recently at a $5.9 billion valuation in 2024.

Were just getting started in the US. Were an agile full stack team operating like an early stage startup but with the financial operational and engineering platform muscle of a larger company. Were focused on building an amazing US product shipping and iterating quickly and deepening our product market fit. Were looking for highly driven enterprising people to help us achieve our mission to make money work for everyone.

Our Finance team:

Were looking for an experienced commercially minded Senior Accountant to help lead our US financial accounting function and play a key role in building a world-class finance organisation. This role is suited to a qualified accountant with strong technical foundations who is ready to take ownership of core accounting processes and partner closely with the business as we scale.

Youll be responsible for ensuring high-quality financial reporting and robust controls while helping evolve our accounting processes and systems to support growth. This includes working through complex accounting questions supporting new product launches overseeing supplier and financial operations and contributing to the ongoing development of our global finance infrastructure.

We have an exciting roadmap ahead - including continued growth of our US business expansion into the European Union new product and marketplace launches and significant systems this role youll help ensure we scale in a controlled well-governed way using technology and automation to improve efficiency and insight across financial accounting.

Youll play a key role by...

• Managing a tight process with our internal Finance team to ensure a swift month-end close process (e.g. managing accruals schedules managing our bank accounts and supplier payments liaising with our Tax team to post their numbers etc).
• Understanding the business and our products to write insightful management commentary.
• Working with our engineers and data teams to automate the production elements of this role allowing you to focus on the parts of the role where your knowledge and skills provide the most value.
• Helping understand any differences between US GAAP and IFRS accounting.
• Learning SQL skills to run reports and propose solutions that make our processes efficient and scalable.
• Maintaining existing and develop new controls that protect our financial data and our balance sheet substantiation process.
• Supporting our year end process working with external auditors and our Financial Reporting squad.
• Reviewing new products assessing the accounting and implementing them in our banking platform and accounting system.
• Working with the business to assess the impact of changes in accounting standards and make proposals on accounting policy matters for new products launched.
• Helping maintain the integrity of our chart of accounts and financial static data.
• Helping with payment runs to our growing number of suppliers working closely with our UK Financial Operations team.
• Helping with some of our US tax activities liaising with external advisors and our Group Tax team.
• Resolving miscellaneous inquiries and support the overall finance team wherever needed - from forecasting and valuations to bank transfers transfer pricing and tax policy research!

Wed love to hear from you if

• Youre a qualified accountant with an audit background and have had some experience in financial accounting and control outside of practice. Knowledge of banking would be an asset.
• You have a great eye for detail.
• Youre fascinated by the banking and regulatory landscape and have a good understanding of key financial controls.
• Youre a self-starter and enjoy tackling what needs doing whether its making a bank transfer or pulling together reports for investors.
• Youre comfortable translating complex information into simple words for people with diverse backgrounds.
• Youre interested in using data (SQL skills would be a bonus).
• You thrive in a dynamic and constantly evolving environment.
• What were doing at Monzo excites you!

Not ticking every box Thats totally okay! Studies show that women and people of colour might hesitate to apply unless they meet every single requirement. At Monzo were dedicated to creating a diverse and welcoming team. If youre passionate about this role and keen to learn and grow with us we encourage you to apply even if you dont have everything thats listed just yet. Drop us your application wed love to hear from you!

Benefits

• Great Health Dental and Vision Insurance
• Competitive salary ($89K - $120K)
• Share Options
• Generous 401k with 4% employer match
• 32 days of vacation and public holidays per year (and we require that you take all of your days each year as we believe that well rested employees are more effective!)
• Maternity / Paternity leave
• 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.

The application journey has 4 key steps

• A quick call with a Recruiter
• A video-call with the Hiring Manager
• A role specific case study
• 2 stage interview loop (Role Specific & Behavioural)

This process should take around 3-4 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.

#LI-San Francisco #LI-TP2

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