Monzo

We started Monzo in February 2015 with the mission of building the best current account in the world. In April 2017, we received our full UK banking licence from the FCA and PRA and are now working hard to roll out our free current account later this year.

We're focused on solving problems, rather than selling financial products. We want to make the world a better place and change people's lives through Monzo.We're doing things differently. For too long, banking has been obtuse, complex and opaque.We want to change that and build a bank with everyone, for everyone. Our amazing community of users suggests features, tests the app and gives us constant feedback so we can build something we all love.

Monzo London, UK
May 16, 2018
Full time
We’re searching for an ambitious, intelligent and caring leader who puts the needs of people first. Monzo is an exciting combination of bank and tech start-up, started from scratch in February 2015 to build a bank you’d be proud to call your own. We’re focused on solving problems, rather than selling financial products, making your financial life simpler, and giving you complete control from your smartphone. We’re at the start of our journey to serve a billion people and we’ve made some good progress. We have 300+ staff, half a million lovely customers and a UK banking licence . We’re growing like crazy and that’s both exciting and challenging. That’s where you come in. You will spend your time owning all things ‘people’ and that means improving the way we hire, manage our multi-site offices (we have three so far), train, performance coach, deliver reviews, give feedback, set remuneration, provide benefits and, ultimately, support those who leave us. We’re assembling a diverse, passionate, high performing team and you will be doing the same to achieve our wonderful people dreams. Right now the people team is around 12 strong (including our hiring team) and we need more people and skills to keep the wheels turning and improve the lives of every Monzonaut (our staff!). We have already doubled in size this year and it is entirely conceivable that we grow from 200 to 2,000 in the next few years. We want to keep the hiring bar high, whilst retaining the start-up speed and culture. You’ll help bring the best parts of Airbnb, Stripe, Pinterest, Facebook and Google, whilst also developing something unique to Monzo. Over the last three years, we’ve tried to develop an  inclusive , collaborative and transparent way of working; whether it’s a Slack channel to say ‘thanks’ to one another, signing the  women in finance charter  or maintaining a completely transparent  way of working internally and externally. We’re all continuously learning, embracing change and experimenting with new ideas. This role is pivotal in continuing that. This role will be reporting directly to our Deputy CEO, and you will build great relationships with other members of the senior team, as well as more broadly. You should apply if: You care most about people, how they think and feel You’re interested in how technology can improve people’s lives You’ve been an influential part of a fast-paced tech company that’s grown rapidly You’re super organised You’re a great communicator What we’re doing here at Monzo excites you!
Monzo London, UK
May 16, 2018
Full time
Internally known as Squad Captain Manager. We’re looking for an experienced senior customer support manager to be an empathetic leader for our Squad Captains and Customer Operations (COps) team. Our  customer operations  team is at the heart of Monzo Every person in this team cares about our customers’ problems and is empowered to solve them quickly and with minimal fuss. We work in small squads of 8-10 people, which are split between communication channels and time periods. Some squads specialise in social media responses, helping customers over the phone or responding via in-app chat. As Squad Captain Manager, you’ll provide support and leadership Each Squad Captain supports and coordinates the work of their team members. You’ll directly manage a number of Squad Captains so they can meet their personal and professional development goals. You’ll organise people around you and take quick action when you see a problem coming - whether it’s not enough people covering the right types of queries, a training need, or something going wrong. You’ll listen to your people, guide them through hard times and celebrate their successes. You’ll have responsibility for some disciplinary and grievance matters and work closely with your colleagues in London and Cardiff to make sure that we apply these policies fairly across all areas of COps. Communication between offices is a key challenge You’ll work closely with other Squad Captain Managers and senior stakeholders within COps to share ideas and support each other. You’ll make sure communication between the London and Cardiff offices is seamless, gathering feedback and sharing the same consistent message with all team members. Each day you’ll be: Instilling a strong customer-centric culture and keeping everyone focussed on what really matters: helping our customers with their personal financial lives Helping Squad Captains outperform in their roles by: having regular 1:1s with Squad Captains giving and receiving feedback about people, process and QA coaching, mentoring, and developing high performing squads and captains Running Squad Captain group sessions, e.g. knowledge sharing Supporting the interviewing and hiring of new Squad Captains/COps Helping us become an exceptional place to work for the ambitious, highly motivated COps that we hire You should apply if: You have significant senior management experience, ideally in a customer-centric role You’ve led successful teams to achieve their goals and have an empathetic leadership style You’re as comfortable working 1:1 as communicating with large groups You empower your people to find solutions themselves You can motivate teams working on ongoing operational work You are very hands-on and solve problems when you spot them What we are doing at Monzo excites you! You’ll spend your first months on the frontline To be an effective Squad Captain Manager you’ll need to know the ins and outs of the Customer Support job. You’ll have frontline COps training in your first 2-3 months and then transition into the Squad Captain Manager role. Logistics: The application process consists of a short phone interview, followed by a practical written exercise and a couple of on-site interviews at our office in London.
Monzo United Kingdom
May 16, 2018
Full time
We’re building the world’s best bank, and we can only do this if we hire world-class people. Monzo has grown from less than 150 to over 300 people in the last 6 months, and we aren’t stopping! We're looking for an experienced recruiter who can support that growth by sourcing and hiring talented, diverse people who are just as passionate about our mission.  You’ll spend your time: Helping us hire the right people, across Monzo Figuring out how best to do that Helping support more junior members of the team in being the best recruiters they can be. You’ll work with Hiring Managers to structure and run great hiring processes Our hiring managers are often busy team leads and executives. They’ll need your help to identify what skills they’re looking for and how best to assess these. You’ll be confident challenging their thinking and asking the right questions to figure this out. You’ll own everything about the hiring process from beginning to end, and be skilled at convincing candidates to join us. You’ll care deeply about diversity and inclusiveness, and giving candidates an amazing experience We want to go the extra mile to make sure that every applicant to every job feels valued, respected and never wavers in their support for Monzo, whatever the outcome of their application. You’ll know where to find the right candidates from a range of backgrounds and have ideas about how to make sure they feel welcome at Monzo. And once we’ve decided we want to hire someone, you’ll move mountains in the background to make it an effortless, pleasant process, and keep that excitement burning. You’ll love sourcing and be great at working with external recruiters/headhunters We often work with agencies to find the best candidates for our most senior and hard to fill roles. You’ll be confident building and managing these relationships and enjoy making the most of them. You’ll understand cost-to-hire considerations and be able to decide when we  don’t  need an agency. Because you’ll also be great at sourcing passive candidates yourself, and thinking about how to get the best people interested in Monzo. You’ll be passionate about making processes work better We constantly refine our hiring processes to make them simpler and more effective. You’ll use data to work out what’s going well and where things could be better, and share your findings with other members of the hiring team so we can all improve.  You might already have a specialist area but you’ll be comfortable working on any role We don’t mind if you’re a generalist recruiter, or if you already have a specialism, as long as you’re initially happy getting stuck into hiring any role that needs you. You’ll work closely with other members of the hiring team to solve company-wide hiring problems, share what you already know and learn from their experiences. As the team builds out, you’ll be able to continue specialising as an individual contributor, or explore development into management or leadership. You should apply if: You’ve significant experience recruiting multiple roles, possibly in a range of disciplines You're used to working in a fast-paced environment and dealing with shifting priorities You care deeply about inclusiveness and diversity You love sourcing and pride yourself on your resourcefulness You’re empathetic, adaptable and respectful of candidates’ needs and priorities You can adapt your approach to work with a range of stakeholders with different needs You can tell whether somebody has the skills we’re looking for, without relying on previous job titles or qualifications. It would be great if: You've experience recruiting in-house at a startup You've experience mentoring or managing other recruiters and/or hiring coordinators. Logistics The application process consists of a short phone interview, followed by a practical written exercise with a follow up call, and a couple of on-site interviews at our office in London. We care deeply about inclusive working practices and diverse teams. If you’d prefer to work part-time or as a job-share, we’ll facilitate this wherever we can - whether to help you meet other commitments or to help you strike a great work-life balance. We’re keen to ensure we’re designing a bank that works for everyone, so we particularly encourage applications from different underrepresented demographics.
Monzo United Kingdom
May 16, 2018
Full time
We’re looking for a creative, pro-active, adaptable and organised person to take responsibility for consistent, high quality training and development at Monzo. Monzo is an exciting combination of bank and tech start-up, started from scratch in February 2015 to build a bank you’d be proud to call your own. Over the last year, we’ve grown the team from 50 to more than 300, gained a UK banking licence , reached over half a million lovely customers and have begun to roll out our main product - current accounts! We’d love you to lay the foundations for how Monzo can deliver personal, ambitious training that will be scalable once we’re thousands of people globally. We care deeply about building a supportive and inclusive culture in which everyone can succeed and grow both personally and professionally. We’ve grown so quickly, focussed on hiring talented, ambitious people who continuously look for growth opportunities and strive to challenge themselves. As our learning and development lead, you’ll be responsible for organising training and for helping individuals and their managers to identify great learning opportunities both within work and through outside courses. Success in this role would mean highly engaged people continually learning and understanding what ‘levelling up’ means to them, as well as being supported to get there. You’ll be joining our small but powerful People team, you’ll work across the whole company to deliver training programmes and determine what progression at Monzo looks like. The training at Monzo is currently made up of online self-taught sessions; role-specific training on financial crime or complaints; knowledge-sharing sessions around feedback, interviewing and active listening; and each person has a budget for their own professional development. We’ve also created “Managers at Monzo”, a project aiming to provide support and guidance that equips our managers to excel. Challenges you’ll help us solve: How should we approach Learning and Development? Is it different for people working in customer operations, finance and engineering roles? What are our training and development needs as a company? How can we build career progression frameworks that are concrete enough to be useful, but broad enough to not constrain people’s aspirations? How can we best empower our managers to develop their teams? How can we ensure that new joiners across the company are inducted to Monzo and their roles in a consistent yet tailored way? What training or coaching would help our executive team become even more exceptional? What tools should we use to support with training? What is the most effective way for knowledge experts to deliver training that benefits learners? You’ll also be responsible for instilling a healthy culture of everyday learning and development across the company. You should apply if: You have some experience in learning design, and know how to apply that in a growing tech company You have run training sessions before, and ideally have a training qualification You take great satisfaction in developing people and believe it’s crucial to making a business successful You’re a great communicator and can coach others to share their knowledge in a  compelling, engaging way You’re hands-on and self-motivated, happy to tackle any task however big or small What we’re doing at Monzo excites you!
Monzo United Kingdom
May 16, 2018
Full time
We’re looking for an inquisitive, analytical and empathetic data scientist who will define how overdrafts should work at Monzo, making sure we remain customer centric .  We’re at the start of our journey to serve a billion customers and we’ve made some good progress. We’ve now reached over half a million lovely current account customers and have started rolling out overdrafts. We believe that building a transparent and honest relationship with our customers is essential. This is where you come in. We need someone with a bold vision to lay the foundations for how we should offer overdrafts, making sure we’re not only fully compliant but also fair to our wonderful customer. We’ll soon be starting to explore other unsecured lending products and would love you to help. When our customers need to borrow, we need to make sure that we can offer them affordable overdrafts on terms that are fair and transparent, with no punitive fees or hidden charges. It’s up to you to decide how we achieve this - we’re convinced that we can achieve the best possible outcomes by going beyond traditional credit scoring and affordability assessments. You’ll be joining our data team and will report into our VP Lending, whilst working closely with our Deputy CEO. This role will involve working with various teams across the company, from data, customer operations to design and risk. What you’ll be doing: Designing and iterating credit scorecards to make sure we make good and fair decisions Helping to build other unsecured lending products in the future Determining what internal data is meaningful, and deciding which external data sources we should use, whether these are traditional credit bureaux or perhaps something less conventional Defining how we lend, when we should lend and what good practice looks like Ensuring our product remains fully compliant and also fair to our customers Communicating any changes about lending to our customer operations team, so they can provide our users with the most up to date information efficiently Preparing regular updates on lending to our executive committee and Board. You should apply if: You care deeply about helping customers make better financial choices You’ve been responsible for running one or more unsecured personal lending products You’ve been involved in defining credit decisioning and scorecards before What we’re doing at Monzo excites you!
Monzo United Kingdom
May 16, 2018
Full time
We’re looking for an empathetic, pro-active and driven HR Manager to ensure our Employee Relations work is compliant, supportive, and most importantly useful. You’ll be the source of technical HR knowledge and will support our managers in making sure Monzo continues to be a great place to work. You’ll support a rapidly growing, global team The team is currently ~350 globally and we’ve doubled in size every six months. To make sure our growing team has the support they need, we’ve recently created “Managers at Monzo”, a project aiming to provide support and guidance that equips our managers to excel. This is where you come in. You’ll equip managers with the tools to do their jobs We’re looking for someone to make sure managers across the company, with varying experience and needs, can nurture and develop their teams. You’ll make sure they have the tools they need to support their Monzonauts from day one, giving guidance on progression, performance and difficult conversations. You’ll join our small but powerful People Team You’ll work alongside our Learning and Development Lead to improve progression and performance across Monzo. You’ll ensure that we’re compliant in all of our People matters and make sure we’re able to scale our People processes as we grow. You’ll also be guiding team leads on how to understand the needs of their team and balancing them with team goals. What you’ll be doing: making sure managers at Monzo get guidance on career planning, performance management and the correct benchmarking data to have useful compensation conversations              ensuring we support and give a delightful and respectful experience from day one and throughout the people lifecycle using data from our employee engagement surveys about management and progression to guide decision-making on what we should stop, start and continue doing to support Monzonauts to the best of our ability ensuring our People policies are clear, transparent, scalable and practical to implement - for example around whistleblowing, grievances, and performance management advising on tax and compliance implications for our benefits and job offer decisions act as an ambassador for our feedback culture to ensure it scales as we do. You should apply if: you have good working knowledge of employment law (a CIPD qualification is a plus, but not required) you’re a great listener and have bundles of empathy you love developing people and have experience mentoring/managing others you’re passionate about improving Monzo as a whole through supportive People policies you enjoy empowering people to have difficult conversations what we’re doing at Monzo excites you!
Monzo United Kingdom
May 16, 2018
Full time
We’re looking for someone who is forward-thinking and collaborative to join our legal team of three! Monzo is an exciting combination of bank and tech start-up, started from scratch in February 2015 to build a bank you’d be proud to call your own.  We’re focused on solving problems rather than selling financial products, making your financial life simpler, and giving you complete control from your smartphone. Our Legal team works at the centre of Monzo, enabling different teams to harness the legal intricacies of their everyday roles by providing counsel, guidance and training on all things regulation. You’ll be the source of legal knowledge for our different Monzo teams Every day you’ll advise different teams on a wide range of issues across consumer lending, banking, marketplace and APIs. You’ll help them understand and embrace the legislation applicable to their work. You’ll determine how regulation applies to a digital bank, and strive to continually push the boundaries on our approach to it, as well as the upcoming regulatory changes in the UK and beyond. You’ll help with commercial contracts, employment matters, data protection and IP This will give you an incredible insight into how a fintech business operates and scales. You’ll be an essential part of a small cross-functional team Our Legal team is small but incredibly efficient, using lean methodology principles or tech to streamline processes wherever possible. You’ll be working closely with our Head of Legal and the rest of the team, learning from one another and taking on various projects. You should apply if: you’re a qualified lawyer and have experience working in personal financial services, ideally with experience advising on retail investments, crowdfunding, insurance distribution, mortgages, savings and third-party partnership arrangements you have experience of commercial contracts, employment law, intellectual property and data protection you have solid organisational and project management skills, are able to effectively prioritize a large number of deals and are capable of working under tight deadlines you’re excited about technology, and you’ve worked at or advised fast growing technology companies you love explaining complicated legal requirements and regulatory concepts with simple words you’re a great communicator and have experience building strong relationships with diverse teams Logistics The application process consists of a short phone interview, followed by a practical written exercise, and 2-3 hours of on-site interviews at our office in London. We care deeply about inclusive working practices and diverse teams. If you’d prefer to work part-time or as a job-share, we’ll facilitate this wherever we can - whether to help you meet other commitments or to help you strike a great work-life balance. We’re keen to ensure we’re designing a bank that works for everyone, so we particularly encourage applications from different underrepresented demographics. Competitive salary (taking into account experience and any specialism) plus stock options and other  benefits .
Monzo London, United Kingdom
Jul 28, 2017
Full time
We are looking for a Deputy CRO to join the team at Monzo . We’re a small team (around 90 people) working to create a bank with and for our customers, a bank that you'd be proud to be a part of. As our Deputy CRO, you’ll work closely with our Chief Risk Officer, who reports to the CEO and to the Chairman of the Risk Committee (who is an independent non-executive Director). Our second-line team is currently three people: CRO, Head of Compliance, and Head of Risk. Your responsibilities: Shape and embed our risk appetites: you’ll get a deep understanding of our strategy, and ensure that our appetite for risk in each area of the business is developed in alignment with this. Work with each team to ensure the risks they are taking are aligned with our risk appetite - whether this is low, moderate or high! Help us define our technology risk appetite: both how to set one in a technologically focussed bank, and what ours is. Direct the way that we think about risk and compliance: both working with the rest of the senior leadership team to lead our approach Make risk meaningful and interesting to everyone in the company: leading internal knowledge-sharing sessions that are open to everyone; helping function leads and team leads to understand and appreciate the benefits of managing their risks well; making sure managing risks becomes part of each first-line person’s day to day work. Take a sensitive, balanced approach to risk management: sharing best practices; adapting the language you use to speak about risk so that it is comprehensible and natural for others in the team. Advising on controls: ensuring our controls dashboard has useful content; making sure that each team has aligned their risk controls with metrics they care about in the course of their work. Make sure that our framework for managing risks is well understood through the company, proportionate, and used. With the support and guidance of our CRO, the Board and executive team, we’d expect you to grow into the CRO role, and succeed our current CRO when their contract expires. This means that, in time, you would: assume the Chief Risk function (SMF4), and ideally Compliance Oversight (SMF16) and Money Laundering Reporting (SMF17), all subject to regulatory approval. join our leadership team and become a key contributor to our weekly Executive Committee meetings. become responsible for setting the agenda for our Board Risk Committee. Who we’re looking for: You are hands-on, great at execution, and care about the day to day detail. You’re curious and collaborative - you’re great at asking incisive questions and quick to understand. You’re great at bringing risk to life, and making it meaningful to people from very different backgrounds: you pick up others’ language and adapt to that, rather than imposing risk language into their vocabulary (e.g. ‘code review’ vs ‘change management’) You stand by your principles even when it’s challenging - you’re happy swimming in the opposite direction to everyone else and bringing constructive challenge when it is the right thing to do. You have a background in risk in a closely regulated industry. You have experience managing: 1. Operational risk 2. Technology risk 3. Conduct risk 4. Credit risk (market or liquidity risk experience is much less relevant to our business strategy) We’d be particularly excited if you also have: risk experience in personal financial services familiarity with the ICAAP process previously held a Senior Management Function or Approved Person role.
Monzo London, United Kingdom
Jul 28, 2017
Full time
Our mission is to build the best current account in the world, which means building the best iPhone app in the world. We’re searching for a product-aware iOS engineer to help us on our mission: you'll centre users in the way that you think, and have a passion for great UI and UX. You’ll join our small, collaborative product team to build our current account offering on iPhone. Our team is an evenly matched, cross platform squad of iOS, Android and backend engineers and a tester. We work side-by-side with a talented design team who care deeply about native apps. We work in short “project based” sprints, and have adopted release trains to give us a solid pattern for shipping to users. We test features out internally, then with our passionate beta users before rolling out to the App Store. We generally have a 3-6 month feature roadmap, and don’t fret too much about up-front estimation, striking a balance between fast iteration, and building a stable product our customers can trust. We’re passionate about clean, testable, self-documenting code, we use Swift 3 almost exclusively, and target the most recent SDKs so we can use the latest and greatest device features available to us. We use Realm as a model, and have a flexible, protocol-driven architecture. What you'll work on: A high level version of our  product roadmap  is up on Trello! As part of the product team, you'll work with teams across the company, from customer operations to compliance, lending to financial crime, and we run regular knowledge-sharing sessions so you’ll learn heaps about everything from how banks work to effective communication. If you’re someone who loves collaboration and learning new things, we’d love to hear from you. You should apply if: You’ve shipped and iterated on at least one app in the App Store You write clean, maintainable code and love turning excellent design into beautiful products You have a passion for developing apps that delight users You want to build an app that everyone you know uses every single day You have an understanding of the principles of computer science Nice-to-have but not essential: Familiarity with other programming languages and databases Contributing to open source projects
Monzo London, United Kingdom
Jul 28, 2017
Full time
We're looking for someone who loves solving problems, is not afraid of analysing lots of complex information and is passionate about fighting financial crime (Fincrime). Our Fincrime team works closely with our customer operations team and both are at the heart of Monzo: we're building a bank for and with our customers, and we want to make sure that we and they are protected from the negative effects of all types of financial crime, from fraud to money laundering and everything in between. As a Fincrime analyst, you'll be involved in our financial crime investigations and helping us shape how we handle all the different risks associated with financial crime in a way that balances our regulatory requirements with efficient, streamlined and customer friendly processes. Every day you will be: Reviewing our Fincrime datasets in detail Working directly with customers who have concerns about financial crime, or have questions about transactions Proactively refining our operational Fincrime processes and procedures, so we can continue to protect ourselves and our customers from financial crime without compromising our customers' experience Preparing and submitting some of the official reports we need to make to the different authorities involved in helping the fight against financial crime (such as the banking regulators and the police) Completing analysis of different trends in our Fincrime data to help us spot activity that might be concerning Helping to refine our machine learning engine through your experiences of live investigations Working with the wider Fincrime team to help build a financial crime aware culture across the entire company You'll need to be proactive, spotting patterns in our datasets, our investigations and our processes to help us protect ourselves and our customers from financial crime, and make sure our customers have a truly delightful experience. You will be a great communicator, and have no difficulty explaining things clearly and concisely by email, reports, in-app chat or in meetings. As an early member of our Fincrime team, you'll have plenty of opportunities to progress and define your own role and specialism as the team grows. You should apply if: You love analysing complex, multi source data - both qualitative and quantitative - and reaching well-formulated conclusions and plans of action. You delight in investigating awkward problems, getting to the root cause and fixing it. You are interested in technology and how it can help reduce financial crime. You're friendly, positive, organised and thoughtful. Native-level fluency in another language is a nice-to-have, but not essential. Benefits: Work will generally be on-site in our office in London, UK, where – if successful – you'll join a small hand-picked team of engineers, designers, product people, and banking experts on a mission to change consumer financial services forever.
Monzo London, United Kingdom
Jul 28, 2017
Full time
At Monzo we aim to build the best current account in the world . We are always keen to hear from capable, creative engineers who want to help us accomplish that goal. We're looking for somebody to own our website and web-based product features. This includes our website at monzo.com, our blog , our careers pages , mobile web views, product features like monzo.me and our email newsletters . We’re building a bank for and with our users. A product that’s fair, transparent and a pleasure to use. We see ourselves as something more than a typical current account: we’re setting out to solve all the problems that exist around your financial life in a coherent, meaningful and delightful way. We encourage an open and transparent working environment. You can get involved in any aspect of the business you are interested in and, following Stripe’s example , all emails in the company are visible in an email archive. We regularly run hackathons in which people build things on our third party API and we contribute to open source software as much as possible . We’ve also made our product roadmap public and give sneak peeks of features in our community forum . You will work directly with our Design team  - a horizontal team within Monzo where everyone has a lot of impact on how Monzo looks and works  - to make sure that all these web properties are the best they can be.  Responsibilities Make sure our public web properties are as beautiful and easy to use as our mobile applications Implement web accessibility and responsive design best practices across all properties Implement beautiful responsive emails Drive the direction of our public web stack and improve its self-service capabilities Help across the company (in marketing, hiring, etc) whenever small bits of web work need doing Requirements You should Have excellent knowledge of HTML, CSS, JavaScript and common libraries such as jQuery Be passionate about web technologies, beautiful design and great user experience Enjoy working in a team and be a nice person Be able to turn any mockup into a pixel-perfect responsive web version of the same design Be able to work independently and proactive in asking others for help Be comfortable or keen to learn in the following areas Responsive design Web accessibility CSS module systems and pattern libraries Web performance optimisation Web security SEO and Web Analytics Static Page Generators (e.g. Jekyll, Hugo, …) SPA Frameworks (React, Ember, Angular, ...) Benefits Market-rate salaries plus a stock-option allocation Flexible working hours. We work from home every other Friday and are happy with everyone having a slightly different schedule or occasionally working from home 24 days of paid vacation annually. If you haven't used your vacation days by the end of the year, we'll make you ;) You can also take up to 1 month additional unpaid leave per year Relocation support and visas for international applicants Mentorship from experienced designers and web developers Private healthcare
Monzo London, United Kingdom
Jul 28, 2017
Full time
We're looking for someone who loves solving problems and making people happy. Our customer operations team is at the heart of Monzo: we're building a bank for and with our customers, and you'll be the first point of contact for every one of them. You'll help them through their problems and listen to their concerns with positivity, empathy and patience, and you'll get deep into the nitty gritty of how payment systems actually work  and what can go wrong where! Every day you will be: answering questions from our community of users with honesty and positivity. proactively refining our operations processes and procedures, so we can continue to grow our user base without compromising our customers' experience. talking directly with our supporters and customers, developing a deep understanding of what our community really wants from a digital bank. conveying our customers' feedback and feature requests to the product team. ensuring the rest of the company remains customer-focussed and fixated on building the best bank account in the world. You'll need to be proactive, spotting patterns in the frustrations or hopes of our users, seeing where we can change our processes or our product to make our customers truly delighted by banking. You will be a great communicator, and have no difficulty explaining things clearly and concisely by email, in-app chat or phone. Ideally, you'll also have native-level fluency in a European language so that you can help us serve our users well as we begin to expand across the world. As an early member of our customer support team, you'll have plenty of opportunities to progress and define your own role and specialism as the team grows. We pride ourselves on providing speedy, knowledgeable help to our customers around the clock, so you'll need to be comfortable with working occasional evening shifts and one weekend day each month. You should apply if: You're great at explaining things to people, and have flawless written English. You delight in investigating awkward problems, getting to the root cause and fixing it. You know your way around social networks, and technology interests you. You're friendly, positive, and super organised. You're available to work occasional evening shifts and one weekend day each month. Native-level fluency in French or German is a nice-to-have, but not essential. Benefits: Salary will be around £25k plus stock options. You'll receive time off in lieu for evening or weekend shifts. Work will generally be on-site in our office in London, UK, where – if successful – you'll join a small hand-picked team of engineers, designers, product people, and banking experts on a mission to change consumer financial services forever.
Monzo London, United Kingdom
Jul 28, 2017
Full time
We're looking for someone who loves solving problems and making people happy. Our customer operations team is at the heart of Monzo: we're building a bank for and with our customers, and you'll be the first point of contact for every one of them. You'll help them through their problems and listen to their concerns with positivity, empathy and patience, and you'll get deep into the nitty gritty of how payment systems actually work  and what can go wrong where! Every day you will be: answering questions from our community of users with honesty and positivity. proactively refining our operations processes and procedures, so we can continue to grow our user base without compromising our customers' experience. talking directly with our supporters and customers, developing a deep understanding of what our community really wants from a digital bank. conveying our customers' feedback and feature requests to the product team. ensuring the rest of the company remains customer-focussed and fixated on building the best bank account in the world. You'll need to be proactive, spotting patterns in the frustrations or hopes of our users, seeing where we can change our processes or our product to make our customers truly delighted by banking. You will be a great communicator, and have no difficulty explaining things clearly and concisely by email, in-app chat or phone. Ideally, you'll also have native-level fluency in a European language so that you can help us serve our users well as we begin to expand across the world. As an early member of our customer support team, you'll have plenty of opportunities to progress and define your own role and specialism as the team grows. We pride ourselves on providing speedy, knowledgeable help to our customers around the clock, so you'll need to be comfortable with working occasional evening shifts and one weekend day each month. You should apply if: You're great at explaining things to people, and have flawless written English. You delight in investigating awkward problems, getting to the root cause and fixing it. You know your way around social networks, and technology interests you. You're friendly, positive, and super organised. You're available to work occasional evening shifts and one weekend day each month. Native-level fluency in French or German is a nice-to-have, but not essential. Benefits: Salary will be around £25k plus stock options. You'll receive time off in lieu for evening or weekend shifts. Work will generally be on-site in our office in London, UK, where – if successful – you'll join a small hand-picked team of engineers, designers, product people, and banking experts on a mission to change consumer financial services forever.
Monzo London, United Kingdom
Jul 28, 2017
Full time
We're looking for a product-aware Android engineer to help us build the best banking app in the world. You’ll join a team of 3 engineers, building the app that will make Monzo amazing for millions of Android users. You'll work closely with our designers and the rest of our engineering team, shaping the development of our product to ensure we're making the most of the Android platform. You'll centre users in the way that you think, and have a passion for great UI and UX. We want a mobile team that’s evenly balanced, with Android and iOS on equal footing. Our design team understand Android best practices and care deeply about providing a slick native experience: we want to delight each platform’s users. We care about building a codebase that allows us to move quickly, but is also maintainable in the long term. We use an MVP architecture, RxJava (with Retrolambda), and Dagger to help us write code that makes sense and is easy to test. We gave a talk about aspects of our app in November 2016. Our minimum SDK is 21 — which yes, is as glorious as it sounds. We're looking for someone who enjoys collaborating with designers and engineers, and loves learning new things. You should apply if: You want to build a product that you and everyone you know uses literally every day You have contributed to shipping one or more apps in the Play Store You love turning excellent design into beautiful products You enjoy developing apps that delight users You’re comfortable working in a team that deals with ambiguity every day Have an understanding of the principles of computer science Have great ideas about how to use the latest Android features to make the app the best in class Extra points if you: Have experimented with some other programming languages and databases Logistics We can help you relocate to London, we can sponsor visas, and we're open to remote working as long as you can spend around 20% of your time in London. Our interview process consists of an initial phone screen, a take-home code test, and a half-day on-site interview. We promise not to ask you any brain teasers or trick questions, and we won't make you code on a whiteboard!
Monzo London, United Kingdom
Jul 28, 2017
Full time
At Monzo we aim to build the best current account in the world. We are always keen to hear from capable, creative engineers who want to help us accomplish that goal. Our backend engineering team have a variety of different backgrounds: we have several non-graduates; only a couple of us studied Computer Science; one of the team has a degree in Marketing; some of us have worked in huge companies; some have only ever worked in startups; others are former consultants. As long as you enjoy learning new things, we’d love to talk to you. We work in project-based sprints, and take turns to be the floating engineer who handles interrupt-driven work and non-critical bug fixes. We work directly with everyone across the company, from customer support to regulation, product to financial crime, and we run regular knowledge-sharing sessions so you’ll learn heaps about everything from how banks work to effective communication. We encourage an open and transparent working environment. You can get involved in any aspect of the business you are interested in and, following Stripe’s example , all emails in the company are visible in an email archive. We regularly run hackathons in which people build things on our third party API and we contribute to open source software as much as possible . We’ve also made our product roadmap public and give sneak peeks of features in our community forum . Things we are working on We’re still a relatively small company with only 15 people in the backend engineering team and 60 people in total. This means you will need to wear many hats in the beginning but it also means there are many interesting challenges ahead that you can specialise in if you like. Broadly, the work we’re doing covers these areas: Distributed platform: We aim to be the first bank without a single point of failure We are building a state-of-the-art microservices platform based on the learnings of Netflix, Twitter, and Google. We're investing a lot of up-front effort in building a scalable, secure, and extensible architecture. We've posted a good overview of our platform on our blog . Banking and payments: We write code that moves money Between integrating with crufty old payment schemes, connecting to legacy systems from the 1970s, and designing our own core banking ledger, at Monzo we get to see how the financial sausage is made! If you were ever curious about how money flows through the financial systems or wanted to write code to move money in a safe way, this is your chance. Product engineering: We help our customers by hiding the boring parts of money management On the user-facing side, we take complicated regulations around things like lending, identity verification, and financial advice and reduce them to something our customers can use with ease, so they can focus on the rest of their life. We have built a powerful analytics pipeline to help us understand how our users use our apps and how we can make them more intuitive. Financial crime: We need to stay ahead of criminals trying to steal data and money We do a lot of work around fraud and electronic crime, using a mix of machine learning models, discrete rules, human review, and clever product features to fight back. You’d work closely with our regulation team, analytics, customer support, and fraud investigators to make sure we’re doing everything we can to fight against financial crime. Internal tooling: We automate everything so the rest of the team can work smarter Our mobile app is just the tip of the iceberg that we’re building. A huge part of our competitive advantage comes from internal tools and processes that are not visible from the outside. This is why we’re able to provide exceptional, fast support to all of our users. Behind the scenes we have built a state-of-the-art operations platform that facilitates card dispatch, customer support, regulatory reporting, audit, and much more. We aim to automate as much as possible and enable everyone in the team to be really efficient by using highly specialised UIs and assisting them with AI where we can. Our technology stack At Monzo you will get to work with a lot of exciting new technology. We rely heavily on the following tools and technologies: Go to write our application code ( there is an excellent interactive Go tutorial here ) Cassandra for most persistent data storage Kafka for our asynchronous message queue Linkerd / Finagle for RPC Kubernetes and Docker to schedule and run our services AWS for most of our infrastructure React for internal web dashboards We also have two physical datacenter sites with actual cables to connect to various third parties :) You should apply if: the work we’re doing sounds exciting! you want to be involved in building a product that you and everyone you know uses literally every day you’re keen to learn more about new technologies and the arcane inner workings of the financial industry you’re comfortable working in a team that deals with ambiguity every day you’re interested in distributed systems and writing resilient software you have some experience with strongly-typed languages (e.g. Go, Java, C, Scala…) Logistics We can help you relocate to London, we can sponsor visas, and we're open to remote working as long as you can spend around 20% of your time in London. Our interview process consists of an initial phone screen, a take-home code test, and a half-day on-site interview. We promise not to ask you any brain teasers or trick questions, and we won't make you code on a whiteboard! We are continually looking for new backend engineers, but prefer to batch interviews when possible. If you are under time pressure to change jobs soon, please let us know by when you need a decision in your application.
Monzo London, United Kingdom
Jul 28, 2017
Full time
We're looking for someone who loves solving problems and making people happy. Our customer operations team is at the heart of Monzo: we're building a bank for and with our customers, and you'll be the first point of contact for every one of them. You'll help them through their problems and listen to their concerns with positivity, empathy and patience, and you'll get deep into the nitty gritty of how payment systems actually work and what can go wrong where! Every day you will be: answering questions from our community of users with honesty and positivity. proactively refining our operations processes and procedures, so we can continue to grow our user base without compromising our customers' experience. talking directly with our supporters and customers, developing a deep understanding of what our community really wants from a digital bank. conveying our customers' feedback and feature requests to the product team. ensuring the rest of the company remains customer-focussed and fixated on building the best bank account in the world. You'll need to be proactive, spotting patterns in the frustrations or hopes of our users, seeing where we can change our processes or our product to make our customers truly delighted by banking. You will be a great communicator, and have no difficulty explaining things clearly and concisely by email, in-app chat or phone. Ideally, you'll also have native-level fluency in a European language so that you can help us serve our users well as we begin to expand across the world. As an early member of our customer support team, you'll have plenty of opportunities to progress and define your own role and specialism as the team grows. We pride ourselves on providing speedy, knowledgeable help to our customers around the clock, so you'll need to be comfortable with working occasional evening shifts and one weekend day each month. You should apply if: You're great at explaining things to people, and have flawless written English. You delight in investigating awkward problems, getting to the root cause and fixing it. You know your way around social networks, and technology interests you. You're friendly, positive, and super organised. You're available to work occasional evening shifts and one weekend day each month. Native-level fluency in French or German is a nice-to-have, but not essential. Benefits: Salary will be around £25k plus stock options. You'll receive time off in lieu for evening or weekend shifts. Work will generally be on-site in our office in London, UK, where – if successful – you'll join a small hand-picked team of engineers, designers, product people, and banking experts on a mission to change consumer financial services forever.
Monzo London, United Kingdom
Jul 28, 2017
Full time
At Monzo our aim is to build the best current account in the world . We are always keen to hear from capable, creative engineers who want to help us accomplish that goal. Our backend engineering and data teams have a variety of different backgrounds: we have several non-graduates; only a couple of us studied Computer Science; one of the team has a degree in Marketing; some of us have worked in huge companies; some have only ever worked in startups; others are former consultants. As long as you enjoy learning new things, we’d love to talk to you.   We work directly with everyone across the company, from customer support to regulation, product to financial crime, and we run regular knowledge sharing sessions so you’ll learn heaps about everything from how banks work to effective communication. We encourage an open and transparent working environment. You can get involved in any aspect of the business that you’re interested in and, following Stripe’s example , all emails in the company are visible in an email archive. We regularly run hackathons in which people build things on our third party API and we contribute to open source software as much as possible . We’ve also made our product roadmap public and give sneak peeks of features in our community forum . What you’ll be doing: You’ll be helping to take Monzo’s data capabilities to the next level . Ensuring strong data integrity, helping us to scale cost efficiently to millions of user s and assisting the company to make decisions in real time. We are building a state-of-the-art microservices platform based on the learning s of Netflix, Twitter and Google. We've posted a good overview of our platform on our blog . This approach, however, comes with it’s challenges on the data and analytics side as we constantly need to ensure that we maintain strong data integrity. As a regulated bank, it is particularly important to make sure that we are running the company and making our decisions based on rock solid data. As we expect to scale rapidly to millions of customers over the next few years we need to ensure that our data infrastructure is able to keep pace with that growth in a cost efficient way , without compromising on the robustness and security. Finally, “ speed is king ” in analytics, help us to develop systems which allow us to explore massive data sets interactively and run machine learning models in real time on event streams. If you are interested to read more on how we think about data and analytics, take a look at this blog post . Our technology stack At Monzo you will get to work with a lot of exciting new technology. We rely heavily on the following tools and technologies: Go to write our application code ( there is an excellent interactive Go tutorial here ) Python for data science stuff ( e.g. machine learning models) Cassandra for most persistent data storage Bigquery for events storage and analytics queries Kafka for our asynchronous message queue Kubernetes and Docker to schedule and run our services AWS for most of our backend infrastructure Google Cloud Platform for all of our analytics infrastructure We also have two physical datacenter sites with actual cables to connect to various third parties  You should apply if: you want to be involved in building a product that you and everyone you know uses literally every day you’re keen to learn more about new technologies and the arcane inner workings of the financial industry you’re comfortable working in a team that deals with ambiguity every day you’re interested in distributed systems and writing resilient software you have some experience with strongly-typed languages ( e.g. Go, Java, C, Scala…) Logistics We can help you relocate to London and we can sponsor visas. Our interview process consists of an initial phone screen, a take-home code test, and a half-day on-site interview. We promise not to ask you any brain teasers or trick questions, and we won't make you code on a whiteboard!
Monzo London, United Kingdom
Jul 28, 2017
Full time
We’re looking for an exceptional storyteller ready to spread Monzo’s message around the world. We are a rapidly growing company with huge ambitions. We have a clear voice and want someone to take that and build even stronger relationships with our users and the press. Are you the storyteller who can make this a reality?  You’ll be joining our three-person Marketing & Community team whose mission it is to tell the world about Monzo and turn our users into our community. We work with teams across the company to do this and support them in spreading their work outside the company. What you’ll be doing: Owning the Monzo blog — writing engaging blog posts, encouraging the wider company to write their own and driving forward improvements to make it the perfect medium to communicate with our community and the wider world. Writing copy across the company — for the website, iOS and Android apps, adverts and much more. Coming up with new, impactful ideas on how we can use content to our advantage. And then implementing them. Acting as Monzo’s point of contact for the media, managing existing relationships with journalists and building new ones. Writing press releases and crafting stories around key launches and events (like our crowdfunding and banking licence ). You’ll work closely with every team across the company to make sure we are telling the world about the things that really matter.   You should apply if: You’re a writer: your written English is flawless and engaging, and you’re at your happiest when writing thought-provoking content. You believe the whole world needs to know about Monzo and our journey. You’d love to learn PR from the ground up and build relationships with the press. You’re data driven and recognise the impact that high-quality content can have on achieving our mission. You have ambitious ideas of what more we should be doing and want to own them and get it done.
Monzo London, United Kingdom
Jul 28, 2017
Full time
We’re looking for someone organised, energetic and bright to support our senior team as they lead our journey towards becoming the best possible bank. Building and running Monzo involves an interesting tension between moving fast as a tech company and having structured governance as a highly regulated bank. We’re particularly fast-paced and our senior team have varied backgrounds as well as focussing on very different areas of the business. As Exec Assistant to the founders, you’ll get an incredible insight into how to run an innovative, exciting, high-growth company. You’ll help them optimise the way they use their time and ensure that they’re focussing on the highest impact activities, amplifying the impact they have in leading Monzo to achieve our sky-high ambitions. You’ll support our executive team with: correspondence: filtering and responding to emails, redirecting messages to the most appropriate person in the team qualification: determining whether a meeting is worth taking, obtaining a clear agenda, ensuring it’s an appropriate length, and taking introductory phone calls when needed prioritisation: managing their diaries, rescheduling meetings, making sure time is carved out for managing their team and for non-meeting work preparation: slides for presentations; arranging transport, accommodation and meeting rooms; follow-up on meeting actions administration: taking notes & actions at meetings, filing expenses, and other general support as needed As well as ensuring they are organised and well-prepared, you’ll sometimes be called on to accompany them to high profile meetings (from Downing Street and the Bank of England to conference keynotes and BBC Radio interviews). You’ll also need to manage your own time to determine how to most effectively support all four of them, and how to prioritise their needs. You should apply if: you’re exceptionally attentive to detail and incredibly organised you’re a quick learner, and ask incisive questions to gather the context you need you are proactive and autonomous you are hands-on: focussed on execution, removing ambiguity, and comfortable making and acting on decisions you’d love to learn about running a high-growth business and are excited about joining Monzo’s journey
Monzo London, United Kingdom
Jul 28, 2017
Full time
We're looking for late-nighters and early risers who love helping people to solve problems.  Money never sleeps, and our customers travel all over the world. We're building a bank for and with our customers, and we pride ourselves on providing speedy, knowledgeable help to our customers wherever they are, whenever they need us. You'll be the first point of contact for anyone who has a question, concern or problem either between 4am and 9am or 4pm-midnight. You'll help them through their problems and listen to their concerns with positivity, empathy and patience. You will be: writing speedy, helpful responses to in-app chat messages from our users. answering their questions with honesty and positivity. monitoring incoming emails, calls and social media. investigating & solving tricky queries, or reassuring users and keeping detailed notes for the day shift when it's not possible. learning heaps about how card networks work  and the inner operations of a bank. managing our business operations task, from making sure all our merchants have the right emoji to processing identity checks. helping to refine our operations processes and procedures, so we can continue to grow our user base without compromising our customers' experience. You'll be talking directly with our supporters and customers, developing a deep understanding of what our community really wants from a digital bank, spotting patterns in their hopes and frustrations and conveying these to our product team. You will be a great communicator, and have no difficulty explaining things clearly and concisely by email, in-app chat or phone. As one of the early members of our out-of-hours team you'll have the opportunity to shape how this team grows. You should apply if: you're great at explaining things to people, and have flawless written English. technology interests you, and you know your way around social networks. you're friendly, positive, and super organised. helping people makes you happy, and you're empathetic. you'd like the flexibility allowed by working at home in the evenings or early mornings. Logistics We're looking for someone to work 3-5 mornings a week between 4am and 9am or 3-5 evenings a week between 4pm and midnight. The full-time equivalent salary is around £25k plus stock options and overtime pay for holiday cover too. You'll get to work from home, and we'll cover your expenses to come and visit the office in London for training and to say hi every few weeks. You'll need to be available to come and train in the office for 1-2 weeks when you start. This is generally from 09:00-18:00 but we can absolutely be flexible to fit around personal circumstances e.g. childcare, university courses. We'll provide you with the equipment you need to do the role (i.e. a work MacBook and screen) If successful, you'll join a small hand-picked team of engineers, designers, product people, and banking experts on a mission to change consumer financial services forever.