Financial Controls 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

London/UK Remote 75000 - 85000 Incentive Awards tied to your performance Benefits

Our Financial Control Team:

Monzo is growing fast - new products new markets and new locations. As we expand we need to make sure we can support our businesses and control our processes so we are growing our team to meet these exciting new challenges!

Our team sits within Monzos Finance collective and our job is getting the numbers right. Were currently a team of five qualified accountants split between our Cardiff and London offices and we ensure the ledgers correct at every month-end. We work closely with all areas of Finance and the product teams to make that happen.

What youll be working on:

Youll be managing a small team of Monzonauts day-to-day to make sure our month-end reporting process runs smoothly and accurately. That will involve reviewing the teams detailed analysis approving journals maintaining and adding to our controls explaining our results to our Financial Reporting team and acting as a key contact for the rest of Finance into the team.

We have some really exciting challenges under way like making sure we maximise our new SAP S4/HANA general ledger expanding into the European Union pushing forward with our automation plans continuing to grow our customer base growing our lending business and adding to our marketplace. Youll work on scaling Monzo in a controlled way while helping us optimise our financial control processes with the help of technology. Youll report to our head of Financial Control and Operations.

Youll play a key role by...

• Supporting the team with their tasks and review their work
• Manage a tight process with the rest of our internal finance team to ensure a swift and accurate month-end financial close
• Understanding the business and our products to write insightful management commentary and challenge where needed to make sure we grow safely and efficiently.
• Working with our engineers and data teams to automate the production elements of the teams role allowing your team to focus on the parts of the role where their knowledge and skills provide the most value.
• Understanding our existing and new accounting systems and make sure we are taking advantage of all features we can to minimise manual elements of reporting as well as helping us make a smooth change to our new ledger.
• Being responsible for ensuring our financial reporting policies procedures and controls are up to date relevant and useful for Monzo and importantly are scalable.
• Working with 2LoD and 3LoD to develop a robust control environment.
• Supporting the full year end process from helping the Financial Reporting team draft the annual report to working with external auditors until final sign-off.
• 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.
• Working closely with our Treasury team and Product Controller as we build out our range of products and hedging capabilities.
• Reviewing and assessing the accounting impact of new contracts working closely with the business and Legal before contracts are signed to establish the correct accounting treatment.
• Resolving miscellaneous inquiries and supporting the overall finance team wherever needed - from forecasting and valuations to bank transfers and tax policy research!

Wed love to hear from you if

• Youre a qualified accountant and have had several years experience managing financial reporting/controlling teams and working in a retail banking environment.
• 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 management or 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!

Whats in it for you

• 75000 - 85000 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 & Cardiff).
• 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.
• Learning budget of 1000 a year for 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
• And much more see our full list of benefits here

The interview process:

Our interview process involves 3 main stages:

• Recruiter Call.
• Role Specific Interview.
• Behavioural Interview.

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.

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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