
GROWE · Anywhere
GROWE WELCOMES THOSE WHO ARE EXCITED TO: * Monitor that payment methods work properly, escalate issues to respective providers and teams; * Analyze acceptan...
enable/disable and which volumes to process on each;
cost structure of each method;
tracking of critical business metrics.
🚀 We’re on a mission to make money work for everyone. We’re waving goodbye to the complicated and confusing ways of traditional banking. After starting as a prepaid card, our product offering has grown a lot in the last 10 years in the UK. As well as personal [https://monzo.com/current-account/personal] and business [https://monzo.com/business-banking] bank accounts, we offer joint accounts [https://monzo.com/current-account/joint-account], accounts for 16-17 year olds [https://monzo.com/current-account/16-17], a free kids account [https://monzo.com/current-account/under-16s] and credit cards [https://monzo.com/flex] in the UK, with more exciting things to come beyond. Our UK customers can also save [https://monzo.com/savings], invest [https://monzo.com/investments]and combine their pensions [https://monzo.com/pensions] with us. With our hot coral cards and get-paid-early feature, combined with financial education on social media and our award winning customer service, we have a long history of creating magical moments for our customers! We’re not about selling products - we want to solve problems and change lives through Monzo ❤️ ---------------------------------------------------------------------------------------------------------------------------------- 📍Madrid, Spain | 💶 €53,400 - €65,000 + Incentive Awards tied to your performance + benefits | Hear from the team [https://www.youtube.com/watch?v=U62l09nB0M4] ✨ ⭐ About the role Are you a dynamic problem solver who thrives on building things from scratch? In this role you will help design, build and run Monzo’s European payments capabilities as we expand across Europe. You’ll be setting up and managing a multitude of partnerships, leading complex implementation projects, building operational processes that are fit to scale globally, and working closely with product and engineering teams across Payments and EU teams. You will own our Payments Product Operations in Spain, but will support Monzo’s expansion efforts into new markets. 🔑 You’ll play a key role by... * Supporting partner selection and owning relationships with new partners and payment schemes. * Managing payment scheme implementation projects, onboarding and adherence processes. * Partnering with payments engineering and EU product teams to build, launch, and run new payment systems in Europe. * Building new back office processes to manage and scale EU payment systems. * Seeking out and prioritising issues to facilitate continuous improvement for out customer post-launch. * Establish processes to manage performance for our partners and operations. 🤩 We’d love to hear from you if… * You have experience working with payment systems and schemes, particularly within Spain. * You’re familiar with payments regulations that apply to banks within Europe. * You’re a self starter, proactive, have a strong sense of ownership, and thrive on ambiguity. * You have experience managing relationships with a wide range of suppliers. * You can build and scale complex operational systems. * You have strong strategic reasoning; able to balance and prioritise short and long term tradeoffs. * You’re comfortable getting into the details of technical systems and working with engineering teams. * You love solving complex problems and have a track record of managing performance and SLAs. * You have built strong relationships and collaborate with partners to reach alignment and resolve issues. * You can drive clarity amidst ambiguity and focus on the things that matter. * You are organised and have managed complex projects with multiple stakeholders. * You are analytical and make data driven decisions. 🙌 What’s in it for you 💰A salary range of €53,400 - €65,000 + Incentive Awards tied to your performance. 📍This role will have a hybrid working model, based in our Madrid office 2 - 3 days a week. You may also be required to travel to some of our other locations/offices, such as Barcelona and Dublin. ⏰ We offer flexible working hours and trust you to work enough hours to do your job well, and at times that suit you and your team. 🏝 Annual Leave - 38 days including public holidays. 📚€1,200 learning budget each year to use on books, training courses and conferences. 🏥 Private healthcare scheme. 💛 Wellbeing benefits: financial education, women’s and men’s health support, mental health benefits, including coaching and counselling. 🌈 The application journey has 3 key steps * A short call with a Monzo recruiter * A video-call with the Hiring Manager * 2 hours of focus area interviews This process should take around 3-4 weeks - your schedule is really important to us, so we promise to be as flexible as possible! We have some guidelines on using Artificial Intelligence (AI) to ace an application and interview at Monzo. You can read them here. [https://monzo.com/blog/the-ultimate-guide-on-using-ai-to-ace-an-interview-at-monzo] We’ll only close this role once we have enough applications for the next stage. Please submit your application as soon as possible to make sure you don’t miss out. #LI-MOS1 ---------------------------------------------------------------------------------------------------------------------------------- Equal opportunities for everyone Diversity and inclusion are a priority for us and we’re making sure we have lots of support for all of our people to grow at Monzo. At Monzo, we’re embracing diversity by fostering an inclusive environment for all people to do the best work of their lives with us. This is integral to our mission of making money work for everyone. You can read more in our blog [https://monzo.com/blog/diversity-and-inclusion], 2026 Diversity and Inclusion Report [https://monzo.com/blog/our-2026-diversity-and-inclusion-report] and 2025 Gender Pay Gap Report. [https://monzo.com/blog/gender-pay-gap-report-2025] We’re an equal opportunity employer. All applicants will be considered for employment without attention to age, ethnicity, religion, sex, sexual orientation, gender identity, family or parental status, national origin, or veteran, neurodiversity or disability status. If you have a preferred name, please use it to apply. We don't need full or birth names at application stage 😊
WHO ARE WE? iBanFirst is a fast-growing European fintech that is revolutionizing international payments for SMEs. Founded in 2016, our platform empowers Small & Medium Multinationals (SMMs) to regain control over their payment operations: currency conversion (FX), international transactions, and foreign exchange risk management across 140 countries — quickly, transparently, and securely. We make life easier for SMEs through an advanced technology platform (automation, APIs, AI…) combined with dedicated expertise, offering the best of both worlds: the agility of a SaaS solution and the reliability of a trusted partner. By simplifying complexity, iBanFirst helps thousands of bold companies seize global business opportunities with peace of mind — delivering simplicity, transparency, and security. KEY FIGURES * 350+ employees across 15 offices in 12 European countries * 30+ nationalities represented, average age: 32 * 10,000 corporate clients trust us * €80M in revenue in 2025, with a target of around €100M in 2026 * Profitable for more than two years * Ranked for 6 consecutive years in the Financial Times FT1000, among the fastest-growing European companies * An NPS of 87.5 — an exceptional score in our industry that reflects enthusiastic client feedback on the simplicity, speed, and quality of our service A STRONG CULTURE BUILT AROUND 4 CORE VALUES * Team First : The complexity of our industry demands collective intelligence. We prioritize cooperation, transparency, and knowledge sharing. Success is a team effort, and decisions are made together. * Tenacity : We’re transforming a challenging and highly regulated market. It requires endurance, fast learning, and resilience — qualities rooted in our entrepreneurial DNA. * Transformation : Innovation is not a buzzword; it’s a necessity in a constantly shifting and strategic sector. We innovate with intent: every technical, product, or organizational improvement is designed for real impact. * Trust : Trust is the foundation of everything we build — with our clients and, above all, internally. It’s driven by ownership, autonomy, and a shared commitment to transparency, rigor, and reliability. WHY JOIN US? * We operate at the heart of a strategic and fast-evolving sector: international payments for SMEs — a complex, high-potential market. * We’re driven by a meaningful mission: helping bold “Small & Medium Multinationals” succeed globally. * Our platform integrates cutting-edge technologies (AI, automation…), making it an ideal playground to test, learn, and innovate continuously. * You’ll join an agile environment where your expertise has tangible impact, working alongside talent from top financial institutions. * iBanFirst is profitable and backed by long-term investors: * Xavier Niel and Bpifrance, historical shareholders, have supported and trusted us from the beginning * In 2021, the entry of Marlin Equity Partners marked a new chapter in our international ambitions Joining iBanFirst means joining a profitable, international, fast-growing tech company. It’s also a chance to learn, grow, and contribute directly to a shared ambition: simplifying international finance for SMEs. THE ROLE RECRUITMENT CONTEXT This is a newly created position driven by iBanFirst's continued growth and the increasing complexity of our financial crime risk environment. As transaction volumes scale across new markets and products, we need a dedicated manager to lead our first line of defense teams on Financial Crime (Transaction Monitoring, Fraud detection, Regulatory Ops) and structure the quality and operational controls that underpin them. We are open to candidates coming from various backgrounds (management/strategy consulting, operations/compliance professionals) who are looking to step into a thigh impact operational role. The financial crime domain can be learned — we are hiring for how you think, how you build, how you leverage technology (analytics, AI) and how you lead. MANAGER & TEAM You will report directly to Julien Molez, Chief Operations Officer. You will manage three teams which are at different levels of maturity:a team of 5 people: a Transaction Monitoring Fraud management and Regulatory Operations. Your team is the first line of defense against money laundering, fraud, and financial crime — operating at the intersection of operational rigor, regulatory compliance, and technology. WHAT WILL YOU DO? As iBanFirst expands across European markets, the financial crime risk landscape grows in complexity. We are looking for an analytically sharp, structured, and operationally driven leader to supervise our TM Financial Crime Operations function, steer it with rigor and precision, embed it in a robust and recognized quality framework, and drive highest level of efficiency through data and automation. Team Management & Operations * Lead and develop the different teams in the scope: set priorities, manage performance, and build a culture of accountability and continuous improvement. * Oversee their daily operations: alert review, case investigation, SAR filing, and escalation processes. * Manage capacity and workload allocation to maintain SLAs and maintain backlogs at constant low levels. Fraud & Financial Crime * Own the fraud detection and prevention framework: typologies, detection rules, investigation workflows, and outcomes tracking * Stay current on financial crime trends and adapt the team's detection approach accordingly Controls & Quality Framework * Design and implement a quality insurance framework for each team, specific to each of them but consistent across domains. * Define and track KPIs: detection rates, false positive ratios, case resolution times, SAR quality. * Conduct regular calibration sessions and quality reviews to maintain consistent, high standards across the teams. Analytics & Automation * Use data to assess the performance of each value chains. For example, on the transaction monitoring side : rules effectiveness, reduce noise, and improve alert prioritization * Work with Product and Engineering teams to constantly improve underlying systems and integrate automation into workflows * Identify opportunities to leverage AI and machine learning to enhance detection and reduce manual effort Regulatory & Reporting * Ensure compliance with Belgian and EU AML/CFT obligations (LCB-FT, EU AML directives) * Produce clear, insight-driven reporting for senior leadership: what the data says, what it means, and what action it warrants * Lead or support regulatory audits and inspections related to TM and fraud * Be the key go-to person for C-Levels for these topics and lead the associated governance meetings. TASK BREAKDOWN 40% — Team management & operational oversight: Day-to-day leadership of the different teams, alert review quality, escalation management, and capacity planning 20% — Framework building: Quality controls, KPIs, fraud typologies, policies and procedures 30% — Analytics & automation: Rule performance analysis, detection improvement, collaboration with Product/Engineering 10% — Reporting & regulatory: Senior management reporting, audit support ROLE OBJECTIVES First 3 months * Ramp up on iBanFirst's transaction monitoring systems, financial crime risk exposure, and regulatory environment * Build trust with the team and assess individual strengths and development needs * Map existing processes and identify the top 3 priority areas for improvement First 6 months * Deliver the first version of the quality assurance framework * Define and baseline key operational KPIs * Launch at least one automation or efficiency initiative First 12 months * Own the fraud framework end-to-end and present it to senior leadership * Demonstrate measurable improvement in alert quality, team efficiency, or detection rates * Build a 12-month roadmap for the function aligned with iBanFirst's growth plans WHAT DO YOU BRING? EXPERIENCE: * 5-10 years of experience in similar positions at recognized financial institutions or in management consulting, strategy consulting, or a similar structured analytical environment (Big 4, MBB, Tier 2 strategy firms) * Experience in financial services, fintech, or a regulated industry project context is a strong plus * First exposure to compliance, risk, or financial crime topics (through client work, due diligence, or regulatory projects) is valued SKILLS: * Natural leadership and recognized management experience * Exceptional structuring and problem-solving skills: you break complex issues into clear frameworks and actionable plans * Strong data and analytics capabilities: comfortable with quantitative analysis, building dashboards, and deriving insights from operational data * Proven ability to design processes and quality frameworks from scratch * Natural project management instincts: you sequence work, track delivery, and hold people accountable * High proficiency on AI and automation concepts and enthusiasm to apply them in an operational context * Fluent in French and English, confident communicating with senior stakeholders NICE TO HAVE: * Hands-on experience with a transaction monitoring platform (ComplyAdvantage, Actimize, Napier, or equivalent) * Familiarity with the French or Belgian regulatory environment: NBB, CTIF, ACPR, Tracfin, LCB-FT WHAT MAKES YOU STAND OUT: * You have led a transformation or process redesign project end-to-end * You are energized by the idea of owning something operational, not just advising on it and transforming and optimizing it with technology * You are curious about financial crime and see it as a high-stakes, intellectually demanding domain WHAT DO WE OFFER? * Permanent contract (CDI) * Office location: Paris * Hybrid work policy: 2 days remote per week * Competitive salary: €75,000 – €110,000 gross annual, depending on experience * Benefits: * Swile meal card * Axa health insurance * Commuter benefits * RTT (extra paid days off) * Gymlib subsciption * Paid parental leave * Participate in company-wide events, including team offsites, company parties, and regular social activities. RECRUITMENT PROCESS 1. Screening call with Malorie Petitjean (Talent Acquisition Specialist)— 30 min, remote. General fit, motivation, salary expectations, availability. 2. In-depth interview with Julien Molez (COO)— 1 hour, in-person. Operational experience, leadership approach, team fit. 3. Case study— Take-home exercise on an operational design or process improvement scenario. Presented during complementary 1h session with COO. 4. Final interview with Sonia Boudier (Deputy CEO) — 45 min, in-person. Leadership validation, strategic vision, long-term fit. ____________________________ #LI-MP1 #LI-onsite / #LI-hybrid / #LI-remote
We’re Capital on Tap 👋 💳 Capital on Tap started because small businesses were underserved. Big banks were slow, their products weren't fit for purpose, and small business owners often couldn't access what they needed. We set out to fix that. Today we're a financial platform - not just a credit card company. We offer a best-in-class business credit card, SME-focused spend management platform, a savings product that hit £1 billion in funds within its first year, and a growing suite of tools and financial products that make running a small business easier. 1,000+ employees, £20bn in annual card spend, 200,000+ customers, 17,000+ Trustpilot reviews averaging 4.7 stars, and we're profitable. We’ve done a pretty good job so far, but we’re just getting started! 📍 Manchester | 🏢 3 days per week in office Payment Operations/Customer Operations 🚀 You will be the first person in our brand new payments and cards team at Capital on Tap. You will be responsible for the execution, reconciliation, and troubleshooting of multi-currency payment rails and card infrastructure across the US and UK markets What You’ll Be Doing 🗃️ * Take full accountability for architecting and running our newly created Payment Operations department in a fast paced environment, converting strategic business goals into a nimble, highly efficient, and customer-centric operational reality. * Manage daily transaction workflows, clearing real-time payment queues and resolving exceptions across Faster Payments and CHAPS infrastructure to maintain optimal intraday liquidity and uninterrupted payment flows. * Manage and scale card operations, taking frontline accountability for payment recalls, and the end-to-end offline payment chargeback dispute pipeline. * Oversee the operational execution of the UK Direct Debit scheme, ensuring robust controls are in place to manage the indemnity claim process efficiently while protecting business balances. * Build and oversee strong control frameworks to reduce financial loss and operational risk. * Act as the primary operational contact for critical partners (e.g., ClearBank, Pay.UK), driving daily scheme compliance, monitoring infrastructure health, and resolving complex transaction bottlenecks. * Define and track KPIs to measure performance * Serve as the final frontline escalation point for payment system outages or processing drops, driving quick resolution and conducting post-incident reviews to prevent future issues. Our Values & Culture 🌞 * Just Pilot: We never settle for “good enough”. We pilot new ideas fast, ask questions to figure it out, and scale quickly. * Why Not Today? Fast is as slow as we go - speed and simplicity gives us a competitive advantage. * Be a Buddy: We tap in from day one to help the team, we do the right thing even if it’s hard. * Owners and Dates: We don’t chase people. If you own a task and agree to a date, the expectation is that it gets done. * Feedback: We want our employees to flourish, so we regularly provide direct and constructive feedback. We’re Looking For 🔎 * Substantial leadership experience in financial services and card/payments scaling, with deep structural knowledge of UK and US domestic clearing systems (Faster Payments, CHAPS, Fedwire, ACH) and frontline settlement mechanisms, specifically optimised for high-velocity, high-value business and corporate transactions. * An adaptable and pragmatic leader with a hands-on, solutions-driven approach to problem solving. * A proven track record of leading high-performing teams in a fast-paced environment. * An analytical thinker skilled in interpreting complex data and driving evidence-based decision-making. Interview Process 🤝 * Stage 1: 30 minutes with a Talent Partner * Stage 2: 60 minutes with a Head of * Stage 3: 60 minutes with the Customer Operations Director Diversity & Inclusion 🌈 We welcome, consider and encourage applications from anyone who shares our commitment to inclusivity. Join us in creating a space where authenticity thrives, and everyone can do their best work. Great Work Deserves Great Perks We try not to take ourselves too seriously (all the time) so we make sure our office is decked out with a pool table, arcade machine, beer tap, and a couple of office dogs thrown in for good measure. Check out our benefits: 🏥 Private Healthcare including dental and opticians services through Vitality ✈️ Worldwide travel insurance through Vitality 🎁 Anniversary Rewards (£250, £500, £750, 4-week fully paid sabbatical) 👛 Salary Sacrifice Pension Scheme up to 7% match 🚘 Octopus EV Salary Sacrifice Scheme 🏖️ 28 days holiday (plus bank holidays) 📖 Annual Learning and Wellbeing Budget 👪 Enhanced Parental Leave 🚲 Cycle to Work Scheme 🚂 Season Ticket Loan 💬 6 free therapy sessions per year 🐶 Dog Friendly Offices 🍫 Free drinks and snacks in our offices Check out more of our benefits, values and mission here. Other Info 👍Check out our ‘Top Tips’ for interviewing. ✔️Keep updated on new job opportunities by following us on Linkedin. 📧Email careers@capitalontap.com if you have any questions. Excited to work here? Apply! If you’d like to progress your career within our fast growing, profitable fintech then click apply and we will aim to get back to you within 3 working days (during busy periods this could take up to 5 working days.)