Machine Learning Manager, Fincrime

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/UK Remote 113200 - 153200 Incentive Awards tied to your performance Benefits

Our Financial Crime and Fraud Team

Financial crime causes real Fraud we build controls that help protect customers from scams stolen-card fraud account takeover and other fast-changing threats all while keeping Monzo smooth and fair for the millions of people who use us every day.

Machine Learning is central to that work. Our ML specialists build ship and improve models that help us spot risk make better decisions and keep our customers safe. We work closely with Product Risk Partners Engineering Data and other disciplines to turn ambiguous fraud problems into reliable controls that make a measurable difference for customers.

Were looking for a Machine Learning Manager to lead ML specialists across different levels of seniority in the Fraud group. Youll report to the Senior ML Manager for the FinCrime Collective and youll help the team deliver high-impact ML systems while growing a healthy inclusive and high-performing team.

Youll play a key role by

• Managing coaching and developing a team of Machine Learning specialists helping them do the best work of their careers through regular 1:1s clear feedback and thoughtful development plans.
• Helping the Fraud group focus ML effort on the highest-impact problems balancing customer protection regulatory expectations operational impact and delivery pace.
• Partnering with PMs Risk Partners Engineering Managers Data Managers and senior ML/Data colleagues to shape roadmaps unblock delivery and make clear trade-offs.
• Creating the conditions for high-quality ML delivery: reliable model development deployment monitoring governance documentation and ownership across the full model lifecycle.
• Holding a high bar for ML excellence in Fraud including model performance explainability reproducibility observability and safe operation in production.
• Making sure ML products are owned maintained and improved over time rather than treated as one-off projects.
• Building a strong team culture where people give and receive useful feedback learn from each other and work well with cross-functional partners.
• Contributing to the wider Machine Learning and Data discipline at Monzo including hiring improving ways of working and sharing patterns that help other teams move faster and more safely.

Wed love to hear from you if

• Youve managed Machine Learning specialists and have delivered through others and want to move further into people management.
• You have strong ML judgement and can guide teams through the full model lifecycle from problem framing and feature/model development through to deployment monitoring governance and iteration.
• Youre comfortable working in ambiguous high-impact problem spaces where there often isnt one right answer.
• You can build trusted relationships with Product Risk Engineering Data and senior stakeholders and you know how to bring the right people into the right conversations early.
• You focus on outcomes over process and can help a team prioritise work that protects customers and moves the business forward.
• You know what good looks like for production ML systems and you can raise the bar through coaching review standards and pragmatic decision-making.
• You communicate clearly with technical and non-technical audiences especially when explaining trade-offs risks and recommendations.
• You care deeply about building inclusive teams where people with different levels of experience can grow challenge each other and do high-quality work sustainably.

Experience in fraud financial crime risk regulated environments or customer protection would be a bonus but its not the only way to be successful here. Were most interested in your ability to lead ML work that has real-world impact.

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

113200 - 153200 Incentive Awards tied to your performance.

We can 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 at times that suit you and your team.

1000 learning budget each year to use on books training courses and conferences.

Well set you up to work from home; all employees are given MacBooks and for fully remote workers well 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

• Recruiter call
• Initial interview with ML/Data leadership focused on your people leadership ML judgement and delivery experience.
• Loop stage likely covering team and stakeholder leadership technical ML judgement and Monzo behaviours.

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.

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