Payments Control Partner

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 71400 - 115000 (Dependent on experience) Incentive Awards tied to your performance Benefits *

Our Risk & Control Discipline (RCD)

Like any other regulated bank we need to make sure we are managing our risks and controls and are fully compliant with our regulation. At Monzo we want to do so while continuing with our agile test and learn approach to launching products. Youll have a supporting role to help our Control Discipline make sure we successfully roll out and embed our risk management framework across the 1st line.

ℹ About the roles

Payments are at the heart of Monzo - enabling millions of customers to send spend and receive money every day.

Behind those customer experiences sits a complex ecosystem of payment products technology and infrastructure operations payment schemes external partners and regulatory obligations.

As a Payments Control Partner youll be embedded within the Payments Collective and act as a first-line risk and control partner across this environment.

Youll build a deep understanding of Payments - its products services technology operations partners regulatory obligations and strategic roadmap - and use this to help the Collective identify and manage its most important risks.

The role spans product and change risk alongside the broader risk and control environment across Payments. Youll help Payments meet its regulatory and scheme obligations respond effectively to incidents and emerging risks and maintain strong governance resilience and assurance.

The aim is to make risk management useful proportionate and embedded in how Payments operates and makes decisions.

Youll play a key role by

• Being a trusted first-line risk partner for Payments building a deep understanding of its products services technology infrastructure operations and regulatory landscape to provide practical well-judged risk advice.
  
  
• Partnering on significant change and strategic programmes working across Product Engineering and Operations to identify and assess risk lead high-quality risk assessments and help teams navigate the right governance route.
  
  
• Shaping and strengthening the Payments risk and control environment bringing a clear view of what a strong scalable and proportionate control environment looks like for a multi-market global Payments organisation identifying gaps and ensuring material risks are effectively managed.
  
  
• Supporting Payments regulatory policy and scheme obligations translating requirements into practical actions and supporting regulatory assessments notifications reporting and submissions where required.
  
  
• Supporting significant incidents and remediation helping teams assess customer regulatory and control impacts coordinate appropriate remediation and ensure lessons are reflected in the wider risk and control environment.
  
  
• Supporting Payments resilience and continuity including Operational Resilience Business Continuity and relevant third-party and exit planning activity.
  
  
• Helping Payments deliver good customer outcomes supporting Consumer Duty monitoring and product reviews and using data and customer evidence to identify where further investigation or action is needed.
  
  
• Supporting governance audit and assurance activity providing clear risk insight to Payments leadership coordinating relevant internal and external assurance activity and ensuring findings are appropriately addressed.
  
  
• Improving how risk management works across Payments working across Product Engineering Operations and specialist teams to simplify automate and embed proportionate risk management into how the Collective operates.

Wed love to hear from you if

• You bring a strong understanding of what good looks like for the control environment of a multi-market global Payments organisation with the experience and judgement to identify gaps and shape how the environment needs to evolve as we scale.
• You understand that Payments risk extends beyond customer-facing products and can connect product operational technology regulatory scheme and resilience risks.
• You have experience independently leading complex risk assessments and providing effective challenge to Product Engineering and Operations teams.
• You have strong knowledge of risk and control frameworks including risk assessment control design and monitoring issue and action management incidents and governance.
• Youre comfortable interpreting regulatory and policy requirements and translating them into practical actions.
• You have experience supporting complex incidents remediation regulatory activity audit or assurance.
• Youre comfortable working with data and using metrics incidents control information and customer evidence to understand the health of a risk and control environment.
• You can move between strategic programmes and ongoing risk management activity prioritising effectively across competing demands.
• You can independently navigate ambiguous and high-complexity problems and know when something requires senior escalation.
• You communicate clearly and can produce high-quality decision-ready material for senior leadership committees auditors and regulators.
• You build strong relationships across Product Engineering Operations Risk Compliance and Legal while remaining comfortable with constructive challenging.
• You are pragmatic and proportionate focusing attention on the risks that matter most and helping teams find practical solutions rather than adding unnecessary processes.

Whats in it for you

71400 - 115000 (Dependent on experience) Incentive Awards tied to your performance Benefits

(*Please note: the Incentive Awards will apply to the permanent opportunity only)

This role can be based in our London office but were open to distributed working within the UK (with ad hoc meetings in London)

The application journey has 3 key steps

• Quick call with a Monzo Recruiter (w/c 21st Sep)
• Short video-call with the Hiring Manager (w/c 28th Sep for successful applicants)
• Full Loop Interviews: 1 x Role Specific Interview 1 x Behavioural Interview (w/c 5th Oct)

We are keen to progress quickly with this process - especially for the fixed-term opportunity that will begin in October. Applicants with immediate availability or short notice periods will be prioritised for the FTC opportunity.

Applications close at 6pm on 25th September

#LI-REMOTE

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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