Enterprise Risk Manager

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

Barcelona or Madrid Spain A base salary range of 53000 - 65000 Incentive Awards tied to your performance benefits Hear from the team

Our Risk team

Monzo Europe is our Irish-based subsidiary and the home for Monzos expansion across the European Union. Newly authorised and scaling across Europe were building a bank that feels radically different: simple transparent and genuinely customer-obsessed and were looking for an experienced Enterprise Risk Manager to help us grow safely and sustainably.

Enterprise Risk is at the centre of our risk governance and this is a rare opportunity to work closely with teams across the business to develop and maintain enterprise risk management processes standards and governance that are robust pragmatic and enable innovation balancing strong risk discipline with Monzos fast-moving collaborative culture.

The role you are applying for is a Controlled Function (CF-2) within the meaning of the Central Bank Reform Act 2010. For this role appointment will be conditional on Monzo being fully satisfied that the appointee meets the requirements as set out in the Fitness and Probity Standards issued by the Central Bank of Ireland. As a CF the role holder will be subject to Conduct Standards under the Central Bank of Ireland Individual Accountability Framework (IAF) and will be required to take reasonable steps to ensure that the relevant conduct standards are met.

Youll play a key role by...

• Working closely with first-line teams to ensure that Enterprise Risk management activities are effectively embedded across the organisation.
• Supporting the coordination and maintenance of our Risk Appetite Framework and Statement across EU ensuring it reflects our Attitude to Risk across all material risks.
• Leading the enterprise risk identification and materiality assessment process refresh covering all material risks inherent to Monzo.
• Executing the risk horizon scanning and emerging risk assessment process coordinating detailed impact analyses across business lines to proactively identify and mitigate future risks.
• Supporting and promoting a strong enterprise risk culture across the organisation by embedding risk awareness at all levels of the bank and delivering comprehensive training and awareness programmes
• Maintaining the EU Risk Taxonomy and risk register ensuring accurate classification and management of risks and controls.
• Maintaining the impact matrix ensuring it accurately reflects the potential impact of identified risks.
• Supporting the delivery of comprehensive risk reports to the Board and Executive Committees.
• Supporting executive governance committees through effective co-ordination administration and continuous improvement of governance processes.
• Support the end-to-end risk governance flow across the EU entity providing committee secretariat support to ensure seamless escalation and regulatory compliance.
• Embedding Enterprise Frameworks Policies and Standards in Europe ensuring they are effectively implemented and take account of Monzo Group activities.

Wed love to hear from you if

• You have a proven track record working in risk management roles within financial services in heavily regulated environments.
• You have proficiency in Enterprise Risk Management (ERM) tools and processes (Risk Frameworks Risk Governance Risk Assessments Risk Appetite Risk Reporting etc.).
• You have strong knowledge of risk regulatory requirements from various European bodies including the CBI EBA ECB/SSM and Basel frameworks.
• You have a strong knowledge of digital banking products operations and associated risks.
• You have excellent analytical relationship management and communication skills.
• You have excellent verbal and written communication skills with the ability to influence and engage senior stakeholders.
• You thrive in a fast-paced environment handling complexity with ease and communicating effectively.
• You are passionate about financial technology and motivated by the opportunity to be at the forefront of banking transformation in Ireland and across the EU.

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!

Whats in it for you

A base salary range of 53000 - 65000 Incentive Awards tied to your performance.

This role will have a hybrid working model based in our Barcelona/Madrid office 2 - 3 days a week however you will be expected to travel to Monzos head offices in Dublin and/or London from time to time.

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.

Annual Leave - 38 days including public holidays

1200 learning budget each year to use on books training courses and conferences.

Private healthcare scheme

Wellbeing benefits: financial education womens and mens health support mental health benefits including coaching and counselling

The application journey has 4 key steps

• An introductory call with a member of the Monzo Recruitment team
• An initial call with the hiring manager
• A set of role specific and behavioural interviews
• A final call with the a member of the Executive team

This process should take around 2-3 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.

Well 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 dont miss out.

If youre successful in applying for this role well work with you to find a start some cases there might be a delay in when you can be released from your current role so that we can make sure things continue to run smoothly. Well be sure to communicate this with you and keep you updated.

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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 2026 Diversity and Inclusion Report and 2025 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