Director of Fraud

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

London Cardiff or UK Remote 136000 - 180000 Incentive Awards tied to your performance Benefits

Our Financial Crime & Fraud Collective

Were all about earning and keeping customers trust while making sure we grow safely. The Financial Crime & Fraud Collective plays a big role in this working hard to protect our community. The Fraud Director is responsible for ensuring we keep fraudsters at bay so customers can bank with confidence.

Youll play a key role by

As a Fraud Director youll lead our Fraud & Disputes Risk team here at Monzo where youll also work as part of the wider Fraud & Disputes Group Leadership Team.

Were looking for a proactive leader with deep understanding and expertise in fraud risk management and strategy. Youll build strong and trusted relationships with our Fraud Product Engineering Data and Operations teams and work collaboratively to help build and embed effective Fraud controls and processes for our customers whilst creating a positive culture across our Fraud Group.

Youll work across Monzos global teams and cover all product lines including current accounts business banking borrowing and wealth. Youll need to be an expert leader and people manager who is equally ready to get hands-on.

We need a team of crime fighters to help us stay one step ahead as we continue to grow. Youll be at the forefront of innovation employing the latest technologies to craft and develop our prevention-first tools that enable us to stay several steps ahead of the criminals ensuring the continued trust and safety of our customers.

Wed love to hear from you if

• You have significant experience leading highly-effective risk teams ideally in a regulated and fast-paced environment.
• You have deep knowledge of fraud regulations in the UK and EU.
• You know how to work hand-in-hand with Product Engineering and Data teams finding the harmonious balance between a product-led mindset and deep fraud risk expertise.
• You have experience prioritising and developing innovative fraud management strategies using the latest technology to scale and implement these.
• Youre able to quickly and confidently understand articulate and respond to emerging trends and risks across the fraud landscape (plugged into latest industry developments).
• You can speak to and influence senior internal and external stakeholders with confidence and in line with Monzos values.
• Youre a great manager and coach with a track record of developing high-performing teams using continuous feedback to empower individuals and drive tangible impact.
• Youre data-driven (able to self-serve) and use technology to solve problems and identify opportunities.

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

136000 - 180000 Incentive Awards tied to your performance.

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.

The application journey has 3 key steps

• 30 min call with the recruiter
• 30 min call with the hiring manager
• 2 hours of technical and leadership principles interviews
• Final 30 min call
  
  

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.

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.

#LI-OS1 #LI-REMOTE

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