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, 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
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, 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
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 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.
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 someone who is both analytical and product-minded to help us build strong, sustainable growth. We’re working to become the Google or Facebook of banking – a service that’s indispensible to millions of users around the world. A product that keeps our users engaged, delighted and even evangelistic, as well as helping simplify and centralise their financial lives. Our users already love our prepaid product: retention metrics are strong, and most of our growth has been through word of mouth. As our Head of Growth, your role will be to accelerate this growth without compromising on customer experience or retention. You’ll need to foster a culture of experimentation and growth through product, marketing and data. You’ll spend your time: Defining, measuring and understanding our growth metrics. How do they interrelate? Understanding users’ engagement and use of the product. Where is the magic moment, and how can we help people discover it earlier? Designing marketing experiments and quickly iterating to improve key metrics. Building longer-term product features that generate network effect and encourage word of mouth referral. Initially, you’ll work with our marketing team to optimise customer acquisition and activation, and our data team to ensure you can get the data you need to make the right decisions. You will also work with our product and design teams to balance development priorities between iterative growth initiatives and features that are solely about a delightful customer experience. Over time, we’d expect you to grow and run a dedicated growth team, staffed with design, product, data and digital marketing specialists. You should apply if: You’re deeply analytical and driven by data You believe that the best thing for the customer is the best thing for growth You build strong relationships and love to collaborate You’re not afraid of taking risks You’re hands-on and focussed on rapid execution
Monzo London, United Kingdom
Jul 28, 2017
Full time
We’re looking for someone who is forward-thinking and collaborative to ensure we’re not only customer-focussed and innovative, but fully compliant. At Monzo we do things differently - we truly care about providing a phenomenal experience for our customers. We believe there’s a better way to do banking, and we want to be the best possible (fully compliant!) bank without getting stuck in the old ways of doing things. As a technology company, we’re excited about developments in regtech and want you to help us be at the forefront. You’ll join our lean second line of defence, currently three people covering risk, compliance and legal. You will take ownership of regulatory compliance around three key areas of the business: conduct, product and customer-facing operations. This will give you an incredible insight into how a fintech business operates. You’ll spend most of your time: Making sure our teams understand current and future regulatory requirements - both what they must do, and what is not actually required or useful Challenging our procedures to ensure that we’re providing great outcomes and meeting regulatory requirements Helping instil a proactive culture towards regulation and legislation across the company including managing our relationships with regulators. You’ll need to have strong knowledge of and be comfortable giving interpretations of regulation, determining how it applies to a digital bank, and striving to continually push the boundaries both on our approach and on upcoming regulatory changes. Apply if: You're a qualified lawyer or compliance officer (or equivalent) and have experience working in personal financial services, ideally with experience advising on retail banking, consumer finance, payment services, data protection, and third-party partnership arrangements You’re excited about technology, and you’ve worked with digital teams You’re able to build strong, mutually respectful relationships with diverse teams You’re curious about the future of banking and want to work with us to shape it
Monzo London, United Kingdom
Jul 28, 2017
Full time
We're looking for a Head of Risk who will take a collaborative, proportionate approach to mitigating risks, and help the bank to grow in a compliant & risk-aware way. You'll join our Second Line of Defence alongside the Head of Compliance, reporting to our Chief Risk Officer, and you'll work closely with teams across the business (from Credit to Tech to Customer Operations). We're looking for someone who is great at building and nurturing productive, mutually respectful relationships with diverse teams; someone who is comfortable communicating unpopular opinions and holding people accountable while remaining approachable. You'll make sure our risk appetite is well communicated & understood across the business, and that these appetites are both correct and relevant to the work we're doing. You’ll need to understand how to monitor and oversee risk mitigation in a growing, new technology system. Your key responsibilities will be to: Maintain our Risk Management Framework, helping the business identify and mitigate key risks across every part of the company Instil and develop a positive risk-aware culture across the business Contribute to and update our ICAAP and capital plan, with support from the rest of the team With support and guidance from our team, the right candidate would be on a path towards becoming Chief Risk Officer. You should apply if: You have several years of experience working in personal financial services, with much of that in risk management roles. You've had hands-on experience of managing operational risk, particularly in modern technology development. You have experience managing conduct risk in a customer-centric way. You have experience maintaining Risk Registers and other risk & control assessment processes. You're great at building strong relationships with people across teams, including regulators. Benefits: We are offering a salary in the range of £50-70k plus stock options. 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 an empathetic problem-solver, experienced in interactive product design, to help us deliver the best banking experience possible. 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. You’ll be working on a product that is a part of day to day life for 100,000 people already, and your work here will shape the way that people interact with their finances. Help us evolve Monzo’s product, from the Android and iPhone apps to Monzo.me and all the cool stuff we have ahead . Projects you could work on: New features for Monzo’s iPhone and Android apps. Taking Monzo.me to the next level. Monzo’s marketplace. We want Monzo to be the financial hub of your life, and something this ambitious requires a lot of good design. Internal product. To get to one billion customers, we need very powerful and well designed internal tools . You’ll be the fourth member of the design team : we are a horizontal team within Monzo so we work closely with other teams to frame problems, help them to define the right solutions and ultimately ship great software. As a team we’re small (considering the whole company is more than 80 people) so each of us really has a lot of impact on how Monzo looks and works . This post by Zander gives a good idea of how any given week at Monzo looks for a product designer. We use Sketch for all our UI work, Adobe After Effects for animations and Adobe Illustrator for, well, illustrations. The rest of the stack are the usual suspects: Marvel, InVision… we’re playing with Abstract lately. We’re quick to adopt better tools and processes, so you’ll be more than welcome to contribute all the good practices you’ve used before. You should apply if: You value collaboration and are at your best when you’re part of a team. You understand that good design is not about trends but is built on top of principles and tradeoffs. You make well-reasoned design decisions. You love making beautiful visuals but it’s not what drives you. What drives you is delivering great experiences and solving problems. You have empathy for customer needs, but can also consider technical constraints and business goals. You’re excited about scaling products and want to help us reach one billion users. You’re passionate about inclusive design and accessibility, and you’ll design with all our users in mind (not just the ones that look like our team). You can show us a portfolio with detailed examples of beautiful interaction design. Sketch is your tool of choice. If you are good at AE or any other motion design tool we’ll love you even more. You are flexible; we’re a young startup and you’ll be designing lots of fun things. We’re keen to ensure we’re designing a bank that works for everyone, so particularly encourage applications from people of colour, women, and other underrepresented demographics.
Monzo London, United Kingdom
Jul 28, 2017
Part 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! What you’ll be doing: 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. 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 Saturday and Sunday. Benefits: You’ll be earning £12 per hour (this is equivalent to £25k). You’ll be provided with the equipment you need to do the role e.g. a work Macbook and screen.   We’re looking for someone to work Saturday and Sundays; either between 8am to 5pm, 9am to 6pm or 11am to 8pm (with an hour lunch break). You’ll have the option to change shifts depending on what you’d prefer and can also work extra days in the week if you wanted to. You’ll get to work from home, and we’ll cover your expenses to come and visit the office in London for training and 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 9am to 6pm but you can absolutely be flexible to fit around personal circumstances e.g. childcare, university courses.
Monzo London, United Kingdom
Jul 28, 2017
Full time
We’re looking for a hands-on Product Manager to shape the development of the best banking app in the world on Android. We have an amazing team of engineers and product designers working on an app that is already part of hundreds of thousands of people’s lives. We are continually shipping new features (like Monzo.me and Spending Analysis) to give our customers the best possible experience. We’ll be launching current accounts in the next few months, so you’ll join us as the sole product manager for Monzo’s Android app. You’ll be managing the delivery of all new features on the Android app so that we get the most out of the platform. We want to offer our users the best current account possible, whether they’re on Android or iOS. For us, this means taking advantage of platform-specific features to give a great native experience. We started on the iOS app first, Android is quickly catching up and we’re excited about what the future will bring. As our Android team’s Product Manager, you’ll help define the direction of our Android app, and you’ll be responsible for making sure our Android team are productive, happy and efficient. You’ll spend your time: Working closely with the Head of Product to define and deliver our product roadmap, whilst prioritising the product backlog Writing clear and concise user stories and use-cases Project managing the delivery of new features from definition through to release Ensuring that features and functionality get tracked correctly and monitor their performance after launch to iterate and improve on them Talking to our users to understand their needs and how we can improve and enhance the product to suit them Working with our awesome Android engineers to make the app the best it can be You’ll be defining the way millions of people interact with their finances on a daily basis and will be directly influencing the future of fintech. You should apply if: You have experience managing the delivery of several app-based products You’re adept at making the trade-off between building new features and paying off technical debt You know the Android platform and are excited about future updates You’re comfortable working in a technical team that deals with ambiguity every day You’re passionate about building the best possible user experience, and you monitor your metrics to see whether you’re delivering
Monzo London, United Kingdom
Jul 19, 2017
Full time
We're looking for detail-oriented, empathetic problem solvers to join our Customer Operations team. 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. Our customer operations team is at the heart of Monzo: every person in this team not only cares about our customers’ problems, but is empowered to solve them quickly and with minimal fuss. You'll be the first point of contact for every single one of our users who wants to speak to us outside of business hours, and you’ll help them with their questions and solve their problems. We're building the best possible banking experience for and with our community of customers. We aim to delight people by making their financial lives simpler, and while having a great app is part of that, we pride ourselves on providing world-class support. Our customer operations team is at the heart of Monzo: every person in this team not only cares about our customers’ problems, but is empowered to solve them quickly and with minimal fuss. You'll be the first point of contact for every single one of our users who have a question, problem, feedback or even compliments! You'll listen to their concerns with positivity, empathy and patience, and you'll get deep into the nitty gritty of how payment systems actually work to resolve the problem for them and to prevent it from happening again. We provide the tools and training you need so that you can understand and resolve issues, rather than following a script and passing customers off. And you’ll have support from our internal product team (like Dan and Irina ), who are building powerful tools to make helping our customers almost effortless. Every day you will be: answering questions from our community of users with honesty and positivity. proactively refining our operations processes and procedures, and informing development of our internal tools, so that 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. managing our business operations task, from making sure all our merchants have the right emoji to verifying identity documents. understanding, prioritising and escalating our customers' feedback and feature requests to the external product team (who are responsible for building our apps). 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, our tools or our product to make our customers truly delighted by banking. As our customer operations team grows, you'll have plenty of opportunities to progress and define your own role or specialism. There are many routes you can take: technical specialist, financial crime analyst, focussing on customers who are facing financial difficulties , or leading a small squad within the customer operations team. 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 want to be part of the team that makes Monzo 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.