Machine Learning Manager, Fincrime

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 ❤️ ----------------------------------------------------------------------------------------------------------------------------------   📍London/Cardiff/UK Remote | 💰 £115,000 - £150,000 + Incentive Awards tied to your performance + Benefits  ✨ ABOUT OUR MACHINE LEARNING FINCRIME TEAM: Our Financial Crime Data team consists of over 25 people across 4 data specialisms: Analytics Engineers, Data Analysts, Machine Learning Scientists and Data Scientists. As a Lead Machine Learning Scientist, you’ll be working in a fast moving environment, building and iterating on our financial crime defensive capabilities to ensure we keep Monzo and our customers safe. Our financial crime team has a large impact on Monzo’s bottom line as fraud and scams are usually some of the largest cost line items in a bank's P&L. We have a major influence on the overall customer experience and it’s our duty to keep our customers safe. The work we do results in directly measurable customer or company benefit, which is incredibly satisfying. Our Machine Learning Scientists work on a range of problems within the different financial crime areas ranging from fraud detection and prevention, transaction monitoring for different types of suspicious activity through to customer risk assessment and operational tooling. WHAT YOU’LL BE WORKING ON: A Lead Machine Learning Scientist at Monzo is a technical Individual Contributor (IC) leadership position. As a technical Machine Learning expert, working with billions of rows of data stored on a modern cloud native data platform, we’ll be expecting you to leverage your deep experience of developing and deploying advanced Machine Learning models to: * Automatically and accurately detect suspicious user behaviours while minimising impact to genuine customers and operational costs * Adapt quickly and appropriately to changing fraud and financial crime trends, ensuring our detection systems remain performant through time. The technical approaches you take to help solve these problems will be very much in your hands and we’ll strongly encourage and support experimentation and innovation. We’ll be expecting you to justify and demonstrate effectiveness along the way, making sure the approach meets our business and customer needs. YOUR DAY-TO-DAY: As a technical individual contributor, you’ll be providing technical leadership and shipping highly impactful ML-based solutions. You’ll be embedded in a cross functional product squad, working closely with product managers, data scientists, backend engineers and designers in an agile environment. You’ll also be a technical leader within the Machine Learning discipline, helping to steer technical work and drive up standards. This will involve: * Working with stakeholders across the organization to identify and scope out the most impactful opportunities to tackle Financial Crime and Fraud with Machine Learning. * Leading the design and development of advanced real time Machine Learning models, for example exploring how neural network, graph-based, and sequence-based architectures can drive improvements in detection of financial crime. * Providing technical leadership to drive up levels of technical expertise and best practice across the Machine Learning discipline, leading by example and mentoring others. * Working closely with our MLOps team to steer the ongoing development of tools to enable rapid iteration of models and optimisations of the full ML model lifecycle. YOU SHOULD APPLY IF: What we’re doing here at Monzo excites you! * You have a multiple year track record of excellence leading the development and deployment of advanced Machine Learning models to tackle real business problems preferably in a fast moving tech company * You have experience developing and shipping deep learning, graph-based, and/or sequence-based ML architectures to production and delivering business impact * You're impact driven and excited to own the end to end journey that starts with a business problem and ends with your solution having a measurable impact in production * You have a self-starter mindset; you proactively identify issues and opportunities and tackle them without being told to do so * Reducing financial crime and protecting customers with data driven strategies sounds exciting to you * You have extensive experience writing production Python code and a strong command of SQL. You are comfortable using them every day, and keen to learn Go lang which is used in many of our backend microservices * You’re comfortable working in a team that deals with ambiguity and have experience helping your team and stakeholders resolve that ambiguity * You want to be involved in building a product that you (and the people you know) use every day * You have a product mindset: you care about customer outcomes and you want to make data-informed decisions * You're excited about fast-moving developments in Machine Learning and can communicate those ideas to colleagues who are not familiar with the domain * You’re adaptable, curious and enjoy learning new technologies and ideas NICE TO HAVES: * Experience working with financial crime and in regulated institutions * Commercial experience writing critical production code and working with microservices THE INTERVIEW PROCESS: Our interview process involves 3 main stages. We promise not to ask you any brain teasers or trick questions! * 30 minute recruiter call * 45 minute call with hiring manager * 60 minute ML Modelling interview * 60 minute Product & ML interview * 60 minute behavioural interview Our average process takes around 3-4 weeks but we will always work around your availability. You will have the chance to speak to our recruitment team at various points during your process but if you do have any specific questions ahead of this please contact us on tech-hiring@monzo.com. Please also use that email to let us know if there's anything we can do to make your application process easier for you, because of disability, neurodiversity or any other personal reason. What’s in it for you: ✈️ We can help you relocate to the UK ✅ We can sponsor visas 📍This role can be based in our London office, but we're open to distributed working within the UK (with ad hoc meetings in London). ⏰ We offer flexible working hours and trust you to work enough hours to do your job well, at times that suit you and your team. 📚Learning budget of £1,000 a year for training courses and conferences ➕And much more, see our full list of benefits here If you prefer to work part-time, we'll make this happen whenever we can - whether this is to help you meet other commitments or strike a great work-life balance #LI-REMOTE #LI-SR1 ---------------------------------------------------------------------------------------------------------------------------------- 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 ❤️ ----------------------------------------------------------------------------------------------------------------------------------   📍Cardiff, London or Remote UK  | Salary £93,000 - £120,000 + Incentive Awards tied to your performance + benefits | Hear from the team ✨ YOU'LL PLAY A KEY ROLE BY: This role sits as part of a multidisciplinary squad, collaborating with other Machine Learning Scientists, Data Scientists, Backend Engineers, Operations specialists, Product managers, and Risk managers. You'll play a key role by leveraging your deep experience of developing and deploying advanced Machine Learning models as to: * Automatically and accurately detect suspicious user behaviours while minimising impact to genuine customers and operational costs. * Adapt quickly and appropriately to changing fraud and financial crime trends, ensuring our detection systems remain performant through time. * Design machine learning solutions that scale globally. The technical approaches you take to solve these problems will be very much in your hands and we’ll strongly encourage and support experimentation and innovation. We’ll be expecting you to justify and demonstrate effectiveness along the way, making sure the approach meets our business and customer needs. YOU SHOULD APPLY IF: What we’re doing here at Monzo excites you! * You have a track record of deploying advanced Machine Learning models tackling real business problems with demonstrable impact, preferably in a fast moving tech company. * You're impact driven and excited to own the end to end journey that starts with a business problem and ends with your solution having a measurable impact in production. * You have a passion for sharing knowledge and raising the technical bar across the team. * You have a self-starter mindset; you proactively identify the most impactful issues and opportunities and collaboratively tackle them without being told to do so. * Using advanced ML techniques to ensure Monzo’s customers money stays safe, even if their card, phone or account is compromised, sounds exciting to you. * You have extensive experience writing production Python code and a strong command of SQL. You are comfortable using them every day, and keen to learn Go lang which is used in many of our backend microservices. * You have experience developing and shipping deep learning, graph-based, and/or sequence-based ML architectures to production and delivering business impact. * You thrive working on ambiguous problems and have a track record of helping your team and stakeholders resolve that ambiguity. * You have strong communication skills and are able to explain complex technical concepts to non-technical stakeholders * You want to be involved in building a product that you and the people you know use every day, with a product mindset that prioritises customer outcomes and data-informed decisions. * You're excited about fast-moving developments in Machine Learning and can communicate those ideas to colleagues who are not familiar with the domain. * You’re adaptable, curious and enjoy learning new technologies and ideas. NICE TO HAVES: * Experience in supporting your team in shaping the ML strategy of your area * Experience working with financial crime, operations and in regulated institutions * Commercial experience writing critical production code and working with microservices * Experience in evaluating ML models in live environments such as through A/B tests 🙌 WHAT’S IN IT FOR YOU ✈️ We’ll help you relocate to the UK. ✅ We can sponsor your visa. 📍 This role can be based in our London office, but we're open to distributed working within the UK (with ad hoc meetings in London) ⏰ 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. 📚 £1,000 learning budget each year to use on books, training courses and conferences. 🏡 We will set you up to work from home; all employees are given Macbooks and for fully remote workers we will provide extra support for your work-from-home setup. ➕ Plus lots more! Read our full list of benefits. 🌈 Our interview process involves 3 main stages. We promise not to ask you any brain teasers or trick questions! * 30 minute recruiter call * 45 minute call with hiring manager * 60 minute ML Modelling interview * 60 minute Product & ML interview * 60 minute behavioural interview Our average process takes around 3-4 weeks but we will always work around your availability. You will have the chance to speak to our recruitment team at various points during your process but if you do have any specific questions ahead of this please contact us on tech-hiring@monzo.co #LI-REMOTE #LI-SR1 ---------------------------------------------------------------------------------------------------------------------------------- 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 ❤️ ----------------------------------------------------------------------------------------------------------------------------------   📍London or UK Remote | 💰 Senior Engineer (L50) £105,000 - £135,000 + Incentive Awards tied to your performance + Benefits | Technology - Engineering   About our Engineering Teams: We have around 400 engineers across Monzo who design and build our in-house banking platform. We have big ambitions for the future, and technology plays a big role in creating a bank our customers want, so engineers at Monzo collaborate across disciplines to solve interesting challenges throughout the company. These range from the products our customers use everyday to underlying infrastructure, security, payments and finance, customer operations, financial crime, and data, to name just a few areas. As a bank, there is scope for impact across a huge number of opportunities. We contribute to open source software as much as possible. Our blog is a good place to learn even more about what we do! Your day-to-day    This role is all about collaborating with your team to make a difference to your customers. As a backend engineer you’ll work in a squad alongside other disciplines like product managers, marketers, user researchers, designers, mobile engineers, web engineers, data analysts, business analysts, writers and more!  Together you'll build and support a particular part of Monzo. Our squads belong to our wider collectives (a word we use to describe self-governing business units of ~100 people). They are: Core Banking, Business Banking, Wealth, Borrowing, Growth, Payments, Platform, Fincrime, Security & Expansion. All of our collectives are doing innovative work, many of which have machine learning and AI at the forefront- from fighting financial crime to building smarter financial tools - and you may have the opportunity to join a collective that gives you direct exposure to this exciting space. They’re all looking for additional Backend Engineers right now, we do a standard interview process across all our collectives and at the end we will find the best match for you based on your skills, experience, preferences and aligning with the business need!  Our backend engineers have a variety of different backgrounds. As long as you enjoy learning new things, we’d love to talk to you. We do not ask for formal qualifications or degree requirements for any of our engineering roles. How we work 💻 Our main tech hub is in London, but our engineers live everywhere in the UK— from Brighton to the Western Isles. We value meeting in person but we don't have a mandated requirement on office attendance, even if you're nearby. We believe you'll do your best work if you are where you want to be. If you live outside of London and we ask you to come into the office, Monzo will support you with the costs ✨ Our offices are naturally social, especially Tuesdays, Wednesdays and Thursdays, which happen to line up with our twice-weekly Monzo lunches & treat Thursdays 🍽️ Teams also schedule time together often for work and play – in or around the office, or online. Set up a work schedule that delivers impact and fits your life: At Monzo, we value connections, flexibility, and wellbeing. We keep our meetings during core hours to stay connected and believe in maintaining work/life balance. You’ll be empowered to manage your work in a way that suits you and your team, giving you the freedom for children drop-offs and pick-ups, walking your dog or adventurous cat, avoiding peak commuting times or gym slots, appointments, or supporting your family in an emergency 🕣✨ If you prefer to work part-time, we'll make this happen whenever we can - whether this is to help you meet other commitments or strike a great work-life balance. Work the way that works for you with Monzo! 💼 You should apply if: * you have strong experience working on the backend of a technology product * you want to be involved in building a product that you (and the people you know) use every day * you have a product mindset: you care about customer outcomes and you want to make data-informed decisions * you’re comfortable working in a team that deals with ambiguity * you’re interested in distributed systems and writing resilient software * you have some experience with strongly-typed languages (Go, Java, C, Scala etc.). * you think you’d enjoy the kind of work we’re doing We're on the look out for L50 Engineers at the moment, you can read more in our Engineering Progression Framework - we will interview you across the whole frame work, so if you are not sure what level you are aiming for please chat to your recruiters!  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 thats listed just yet. Drop us your application, we’d love to hear from you! What you’ll be working on:  We hire very technically agnostic so whilst we use the below technologies we do not expect prior knowledge, you will be fully supported in our organised onboarding to get up to speed in the below:  * Go to write our application code (there’s an excellent interactive Go tutorial here) * Cassandra for most persistent data storage * Kafka for our asynchronous message queue * Kubernetes and Docker to schedule and run our services  * Envoy Proxy for RPC * AWS for most of our production infrastructure and GCP for most of our data infrastructure * React for our public web apps and internal tools * We also have physical datacenters with actual cables to connect to various third parties The Interview Process: Our interview process involves three main stages:  1. Initial Call  2. Take home task or pair coding exercise  3. Final interview: including a system design and a behavioural interview  Our average process takes around 4 weeks but we will always work around your availability.  One of our engineers has written a detailed blog on their experience through this process, for extra details, hints and tips please see here. What’s in it for you: 💰 £105,000 - £135,000 + Incentive Awards tied to your performance ✈️We can help you relocate to the UK  ✅We can sponsor visas. 📍This role can be based in our London office, but we're open to distributed working within the UK (with ad hoc meetings in London). ⏰We offer flexible working hours and trust you to work enough hours to do your job well, at times that suit you and your team. 📚Learning budget of £1,000 a year for books, training courses and conferences ➕And much more, see our full list of benefits here    We're usually always hiring for Backend Engineers, so there's no closing date for this job. #LI-Remote #LI-HJ1 ---------------------------------------------------------------------------------------------------------------------------------- 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 😊