Senior Financial Risk Manager

Monzo

🚀 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 and business bank accounts, we offer joint accounts, accounts for 16-17 year olds, a free kids account and credit cards in the UK, with more exciting things to come beyond. Our UK customers can also save, invest and combine their pensions with us.  With our hot coral cards and get-paid-early feature, combined with financial education on social media and our award winning customer service, we have a long history of creating magical moments for our customers! We’re not about selling products - we want to solve problems and change lives through Monzo ❤️ ----------------------------------------------------------------------------------------------------------------------------------   📍Dublin, Ireland  | 💰 €68,000 - €83,000, Incentive Awards tied to your performance + benefits | Hear from the team ✨ ⭐Our Risk team Monzo Europe is our Irish-based subsidiary and the home for Monzo’s expansion across the European Union. Newly authorised and scaling across Europe, we’re building a bank that feels radically different: simple, transparent and genuinely customer-obsessed, and we’re looking for an experienced Enterprise Risk Manager to help us grow safely and sustainably. Enterprise Risk is at the centre of our risk governance, and this is a rare opportunity to work closely with teams across the business to develop and maintain enterprise risk management processes, standards and governance that are robust, pragmatic and enable innovation — balancing strong risk discipline with Monzo’s fast-moving, collaborative culture. The role you are applying for is a Controlled Function (CF-2) within the meaning of the Central Bank Reform Act, 2010. For this role, appointment will be conditional on Monzo being fully satisfied that the appointee meets the requirements as set out in the Fitness and Probity Standards issued by the Central Bank of Ireland. As a CF, the role holder will be subject to Conduct Standards under the Central Bank of Ireland Individual Accountability Framework (IAF) and will be required to take reasonable steps to ensure that the relevant conduct standards are met. 🔑You’ll play a key role by... * Working closely with first-line teams to ensure that Enterprise Risk management activities are effectively embedded across the organisation. * Supporting the coordination and maintenance of our Risk Appetite Framework and Statement across EU, ensuring it reflects our Attitude to Risk across all material risks. * Leading the enterprise risk identification and materiality assessment process refresh, covering all material risks inherent to Monzo. * Executing the risk horizon scanning and emerging risk assessment process, coordinating detailed impact analyses across business lines to proactively identify and mitigate future risks. * Supporting and promoting a strong enterprise risk culture across the organisation by embedding risk awareness at all levels of the bank and delivering comprehensive training and awareness programmes  * Maintaining the EU Risk Taxonomy and risk register, ensuring accurate classification and management of risks and controls. * Maintaining the impact matrix, ensuring it accurately reflects the potential impact of identified risks. * Supporting the delivery of comprehensive risk reports to the Board and Executive Committees. * Supporting executive governance committees through effective co-ordination, administration and continuous improvement of governance processes. * Support the end-to-end risk governance flow across the EU entity, providing committee secretariat support to ensure seamless escalation and regulatory compliance. * Embedding Enterprise Frameworks, Policies and Standards in Europe, ensuring they are effectively implemented and take account of Monzo Group activities. 🤩 We’d love to hear from you if… * You have a proven track record working in risk management roles within financial services in heavily regulated environments. * You have proficiency in Enterprise Risk Management (ERM) tools and processes (Risk Frameworks, Risk Governance, Risk Assessments, Risk Appetite, Risk Reporting, etc.). * You have strong knowledge of risk regulatory requirements from various European bodies, including the CBI, EBA, ECB/SSM and Basel frameworks. * You have a strong knowledge of digital banking products, operations and associated risks. * You have excellent analytical, relationship management and communication skills. * You have excellent verbal and written communication skills, with the ability to influence and engage senior stakeholders. * You thrive in a fast-paced environment, handling complexity with ease and communicating effectively. * You are passionate about financial technology and motivated by the opportunity to be at the forefront of banking transformation in Ireland and across the EU. Not ticking every box? That’s totally okay! Studies show that women and people of colour might hesitate to apply unless they meet every single requirement. At Monzo, we’re dedicated to creating a diverse and welcoming team. If you’re passionate about this role and keen to learn and grow with us, we encourage you to apply— even if you don’t have everything that's listed just yet. Drop us your application, we’d love to hear from you! 🙌What’s in it for you 💰A base salary range of €68,000 - €83,000 ➕ Incentive Awards tied to your performance. 📍This role will have a hybrid working model, based in our Dublin 2 - 3 days a week ⏰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 - 34 days including public holidays (24 holiday days + 10 public holidays) 📚€1,200 learning budget each year to use on books, training courses and conferences. 🏥Private healthcare scheme 💰Pension scheme: the minimum contribution is 4% and Monzo matches any additional contributions that you make up to a maximum of 6% 💛Wellbeing benefits: financial education, women’s and men’s health support, mental health benefits, including coaching and counselling 🌈 The application journey has 4 key steps * An introductory call with a member of the Monzo Recruitment team * An initial call with the hiring manager * A set of role specific and behavioural interviews * A final call with the a member of the Executive team This process should take around 2-3 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. 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.  If you're successful in applying for this role, we'll work with you to find a start date. In some cases, there might be a delay in when you can be released from your current role so that we can make sure things continue to run smoothly. We’ll be sure to communicate this with you and keep you updated. #LI-ÉS1 ---------------------------------------------------------------------------------------------------------------------------------- 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, 2026 Diversity and Inclusion Report and 2025 Gender Pay Gap Report. 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 😊

Monzo

🚀 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 and business bank accounts, we offer joint accounts, accounts for 16-17 year olds, a free kids account and credit cards in the UK, with more exciting things to come beyond. Our UK customers can also save, invest and combine their pensions with us.  With our hot coral cards and get-paid-early feature, combined with financial education on social media and our award winning customer service, we have a long history of creating magical moments for our customers! We’re not about selling products - we want to solve problems and change lives through Monzo ❤️ ----------------------------------------------------------------------------------------------------------------------------------   📍Dublin, Ireland  |💰 €68,00 - €83,000, Incentive Awards tied to your performance ➕ benefits | Hear from the team  ⭐Our Risk and Compliance team Monzo Bank Europe (MBEU) is the Irish-based subsidiary of the Monzo Group and the strategic launchpad for our expansion across the European Union. We are looking for a seasoned Risk Assurance Manager to provide independent Second-Line of Defence (2LOD) assurance over the design and effectiveness of the bank’s risk management framework, controls and processes. You will ensure that key risks are managed in line with regulatory expectations, internal policies and our risk appetite, providing robust oversight and challenge across the full spectrum of the bank’s risk universe. In this role, you will ensure the bank complies with: * Irish Regulatory Obligations, including CBI, CPC, AML/CFT legislation, and the Companies Act. * EU Regulatory Requirements, including DORA, EBA Guidelines, ECB/SSM expectations, and GDPR. * Internal Governance, including adherence to risk frameworks, policies, and risk appetite. Reporting directly to the Director of Risk Assurance, MBEU, you will design, execute, and report on 2LOD assurance reviews covering conduct, financial crime, fraud, credit, and financial risks. Your remit will also include operational risk, ICT and information security, outsourcing, data protection and governance structures. This role is critical in fostering a sound risk culture and supporting senior management and the Board in their oversight responsibilities.You will be instrumental in providing stakeholders with the assurance needed to ensure our growth is safe, resilient and compliant. The role you are applying for is a Controlled Function (CF-2) within the meaning of the Central Bank Reform Act, 2010. For this role, appointment will be conditional on Monzo being fully satisfied that the appointee meets the requirements as set out in the Fitness and Probity Standards 2018 issued by the Central Bank of Ireland. As a CF, the role holder will be subject to Conduct Standards under the Central Bank of Ireland Individual Accountability Framework and will be required to take reasonable steps to ensure that the relevant conduct standards are met. 🔑You’ll play a key role by... * Assurance Plan: Planning, coordinating and executing comprehensive risk assurance activities, including effectiveness reviews to ensure EU-wide adherence to the enterprise risk framework. * Thematic Reviews: Conducting targeted thematic reviews across specific risk areas (e.g., conduct, compliance, financial crime, IT, prudential and strategic risk) to provide in-depth assurance over design adequacy and operating effectiveness. * Remediation: Identifying areas for improvement within the risk management framework and control environment, recommending practical, impactful solutions and tracking remediation efforts to completion. * Stakeholder Engagement: Proactively engage with business and risk stakeholders to understand Monzo Europe’s products and risk profiles, fostering a collaborative and transparent risk culture. * Strategic Planning: Contributing to the annual risk assurance plan by providing insights gathered through continuous monitoring of regulatory trends and horizon scanning, market practices and upstream developments. * Framework Governance: Contribute to the continuous improvement of the 2LOD Risk Assurance Framework, Methodology and Terms of Reference to ensure they remain fit-for-purpose and market-leading. * Cross-Functional Collaboration: Partnering closely with First-Line of Defence (1LOD) control testing, Group 2LOD, and Internal Audit to ensure alignment while maintaining strict independent challenge. * Reporting & Governance: Contributing to risk governance by reporting thematic insights, trends and remediation progress to senior management committees. * Risk Culture: Promote a strong risk and compliance culture, awareness and training programs across the organisation. 🤩 We’d love to hear from you if… * You have a strong background in risk assurance, internal audit and/or risk management within banking or fintech in the European regulatory and financial services landscape.  * You have a proven ability to plan and execute diverse assurance activities, from effectiveness reviews to thematic deep dives, with a clear focus on root cause analysis. * You’ve led reviews across a wide range of risk areas, including ICT and Information Security, Financial/Prudential (Liquidity, Treasury, Capital), Fraud and Financial Crime (AML/Sanctions), Operational and Conduct Risk (Consumer Protection/Vulnerability). * You possess a deep understanding of risk and control frameworks (e.g., COSO, ISO) and can practically apply this knowledge to 2LOD oversight. * You are skilled in the hands-on identification and testing of risks and controls, with a keen eye for detail and potential weaknesses. * You have a track record of identifying gaps within risk management processes and frameworks and recommending practical, high-impact solutions. * You combine sharp analytical skills with the ability to communicate findings clearly to diverse stakeholders, offering constructive challenge and influencing at all levels. * You have strong data analysis skills, you know how to extract, interrogate and present data in a way that makes complex issues easy for stakeholders to understand. * You’re proficient in Google Suite and can build high-quality decks for Committee and Board reporting. Experience with SQL or Python is a distinct advantage. Not ticking every box? That’s totally okay! Studies show that women and people of colour might hesitate to apply unless they meet every single requirement. At Monzo, we’re dedicated to creating a diverse and welcoming team. If you’re passionate about this role and keen to learn and grow with us, we encourage you to apply— even if you don’t have everything that's listed just yet. Drop us your application, we’d love to hear from you! 🙌What’s in it for you 💰A salary range of €68,000 - €83,000 and Incentive Awards tied to your performance 📍This role will have a hybrid working model, based in our Dublin office 2 - 3 days a week  ⏰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 - 34 days including public holidays (24 holiday days + 10 public holidays) 📚€1,200 learning budget each year to use on books, training courses and conferences. 🏥Private healthcare scheme 💰Pension scheme: the minimum contribution is 4% and Monzo matches any additional contributions that you make up to a maximum of 6% 💛Wellbeing benefits: financial education, women’s and men’s health support, mental health benefits, including coaching and counselling 🌈 The application journey has 4 key steps * An introductory call with a member of our hiring team * An initial call with the hiring manager * A series of role specific and behavioural interviews * A final call with a member of our Executive team This process should take around 2-3 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. 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.  If you're successful in applying for this role, we'll work with you to find a start date. In some cases, there might be a delay in when you can be released from your current role so that we can make sure things continue to run smoothly. We’ll be sure to communicate this with you and keep you updated. #LI-ÉS1 ---------------------------------------------------------------------------------------------------------------------------------- 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, 2026 Diversity and Inclusion Report and 2025 Gender Pay Gap Report. 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 😊

Qonto

Our mission and customers: We are creating the freedom for SMEs to succeed by delivering Europe's leading finance workspace with banking at its core, augmented by financial tools. We are proud to be rated 4.8 on Trustpilot, based on 55,000+ reviews. Our culture puts customer satisfaction at the core of what we do, as proven by our Net Promoter Score of 75 (more about our culture here). Our journey: Founded in 2017 by Alexandre and Steve, Qonto has grown to 1,600+ Qontoers serving over 600,000+ customers across 8 European countries. We have been profitable since 2023, and we are just getting started. Our beliefs: We hire for skills and potential. With 80+ nationalities, 45% women, of which 56% of women in our leadership team, diversity isn't a program; It's who we are. We've built a discrimination-free hiring process because the best teams are built on merit. AI at Qonto: AI is deeply embedded in how we work (here) - Every Qontoer gets unlimited access to the best AI tools. We want people who experiment without waiting for permission, push AI beyond the obvious, know when to trust it, and when to question it. ------------------------------------------------------------------------------------------------------ Join us as a Financial/Structural Risk Manager to secure Qonto's financial foundations as we transition into a regulated bank. You'll tackle liquidity and interest rate risks, design the policies that frame ALM operations, and build models that directly impact Qonto's P&L. You will work in a pair with an experienced Financial Risk Manager, reporting to Clément, Head of Financial Risk Management. ➡️ What you'll do Identify, measure, and monitor structural risks: Liquidity, interest rate, solvency, and FX risks — ensure Qonto's financial stability across all dimensions. Design and maintain financial risk policies: Write the frameworks that define how the ALM team operates. You set the rules, monitor compliance, and give ALM autonomy within those boundaries. Build risk models and dashboards: Use SQL and Python daily to value complex financial instruments (bonds, swaps), track Key Risk Indicators, and improve modelling infrastructure. Challenge Finance and ALM teams: Ensure their strategies align with Qonto's risk appetite and regulatory constraints. You bring data-backed analysis, not just opinions. Contribute to regulatory exercises: Help structure the department's processes for Qonto's future status as a Credit Institution — ILAAP, ICAAP, and supervisory reporting. ➡️ What we're looking for 5+ years in Structural or Financial Risk Management: You've managed liquidity, interest rate, or market risks in a bank or financial institution. You understand the domain deeply, not theoretically. Technical proficiency in SQL and Python: You manipulate data, use financial libraries, and build models from scratch. You don't depend on others for your analysis. Deep financial instruments knowledge: Bonds, interest rate swaps, and risk metrics (LCR, NSFR, VaR, sensitivities) are your daily vocabulary. FRM certification is a plus. Clear communication on complex topics: You explain financial concepts to non-experts and engage confidently with stakeholders when risk positions need to be defended. Languages: Fluent English. French is a plus. ➡️ What we can offer you Direct P&L impact: Your analysis guides strategic decisions on asset allocation, hedging, and revenue optimisation. This isn't back-office risk reporting — your work moves the numbers. A pivotal moment — becoming a bank: Qonto is structuring its banking operations with expectations of significant growth. You'll build the financial risk framework for a Credit Institution, not maintain an existing one. "Trust but verify" methodology: The Risk team sets policies and monitors compliance; ALM executes with autonomy. You define the boundaries and ensure they hold. A pair-working model: You'll work alongside an experienced Financial Risk Manager, with direct access to Clément. Technical depth and ownership are valued over hierarchy. ➡️ Your future manager Your manager will be Clément, Head of Financial Risk Management. His path? Nearly 4 years at Qonto — joined as Senior Financial Risk Expert and promoted to Head of Financial Risk Management in 2024, leading ALM strategy design and risk policy development for the Credit Institution filing. Before Qonto, 6+ years at Bpifrance: Front Office (funding EMTN & NEU CP, hedging strategy), Financial Risk Manager, then Head of Financial and Country Risks Management. Toulouse School of Economics graduate. What does he bring to the team? Deep financial risk expertise built across public investment banking and fintech. He values analytical rigour, fosters a collaborative environment, and gives his team real ownership. He's navigating Qonto's Credit Institution transition from the risk side — you'll be at the centre of that work.