Risk Assurance 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 | 💰 €92,000 - €112,000, Incentive Awards tied to your performance ➕benefits | Hear from the team ✨ ⭐Our Risk team This role sits within our 2nd line of defence risk management team. Acting as a senior technical specialist within the Financial Risk function, it will involve supporting the Director in delivering robust oversight across several financial risk disciplines. The role has a strong focus on IRRBB, capital adequacy and stress testing (ICAAP), and liquidity and balance sheet risk (ALM), ensuring that frameworks, models, and methodologies are fit-for-purpose, compliant, and aligned with regulatory expectations. 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… Driving delivery of the Financials Risk Functions objectives across the following areas of responsibility: Technical Leadership – Financial Risk Models & IRRBB * Leading independent 2LoD validation and review of financial risk models, with a focus on; Interest Rate Risk in the Banking Book (IRRBB), behavioural models (e.g. deposits, prepayments) and hedging strategies and valuation approaches * Assessing model design, assumptions, limitations, and performance, ensuring alignment with regulatory expectations (e.g. EBA IRRBB guidelines) * Providing independent technical challenge to first line model development and usage * Overseeing overarching model governance, including validation cycles, documentation standards, and model risk controls * Supporting development and enhancement of IRRBB measurement methodologies (e.g. EVE, NII metrics) Capital Adequacy, ICAAP & Stress Testing * Playing a leading role in ICAAP development, review, and ongoing enhancement * Providing independent oversight and challenge of; capital adequacy assessments, risk quantification methodologies, scenario design and stress testing frameworks and risk appetite calibration * Designing and reviewing stress testing scenarios (macroeconomic, idiosyncratic, reverse stress) * Assessing capital planning and forecasting, including base and stressed balance sheet projections * Ensuring ICAAP documentation meets regulatory standards and audit expectations * Supporting interactions with regulators on capital-related topics Liquidity Risk & Treasury Oversight (ALM) * Providing 2LoD oversight of liquidity risk and funding frameworks, including ILAAP and liquidity risk metrics (LCR, NSFR, survival horizon) * Reviewing and challenging Treasury activities, including; balance sheet management, funding strategies and wholesale credit exposures * Assessing assumptions underpinning liquidity stress testing and contingency funding plans * Providing oversight of ALM practices, including interest rate positioning and structural hedging * Supporting review of Recovery Plan and Solvent Wind Down (SWD) from a liquidity and funding perspective Risk Monitoring, Reporting & Regulatory Submissions * Leading production and independent review of financial risk MI (capital, liquidity, IRRBB), stress testing outputs and sensitivity analysis * Reviewing and challenging key regulatory submissions, including; ICAAP and ILAAP, pillar 3 disclosures, recovery plan and SWD * Ensuring data integrity, traceability, and auditability of risk outputs * Identifying emerging risks and escalate material issues appropriately Business Partnering & Expert Challenge * Acting as a technical advisor to Treasury, Finance, and Risk teams * Providing credible and constructive challenge on methodologies, assumptions, and decision-making * Supporting the embedding of robust financial risk practices across the organisation * Contributing technical expertise to strategic initiatives (e.g. product launches, balance sheet optimisation) Governance & Committees * Supporting preparation of materials for ALCO and Executive and Board Risk Committees * Presenting technical analysis and insights where required * Supporting escalation and documentation of key financial risk issues Regulatory & Control Environment * Ensuring alignment with CBI, EBA, and other applicable prudential regulations alongside internal financial risk frameworks and policies * Supporting adherence to fitness & Probity standards and individual Accountability Framework (IAF) Conduct Standards * Maintaining high standards of documentation, controls, and audit readiness 🤩 We’d love to hear from you if you have…… * Strong technical expertise in one or more of IRRBB modelling and measurement, capital adequacy and ICAAP, liquidity risk and ALM * Experience in model validation, quantitative analysis, or risk methodology development * Deep understanding of prudential regulation (CRR/CRD, EBA guidelines, ICAAP/ILAAP expectations) * Strong analytical and problem-solving skills with attention to detail * Ability to challenge effectively and communicate complex concepts clearly to senior stakeholders * Experience working with Treasury, Finance, or Risk teams in a banking environment 🙌What’s in it for you 💰A salary range of €92,000 - €112,000 ➕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 the Monzo Recruitment team * An initial call with the hiring manager * A series of role specific, behavioural & leadership principles interviews * Final stage interview 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. 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-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 😊

Multiverse

Multiverse is the upskilling platform for AI and Tech adoption. We have partnered with 1,500+ companies to deliver a new kind of learning that's transforming today’s workforce. Our upskilling apprenticeships are designed for people of any age and career stage to build critical AI, data, and tech skills. Our learners have driven $2bn+ ROI for their employers, using the skills they’ve learned to improve productivity and measurable performance. In April 2026, we announced $70 million in strategic funding, led by Schroders Capital, with participation from StepStone Group, Lightspeed Venture Partners and General Catalyst. At an increased valuation of $2.1bn, the round makes us Europe’s first EdTech double unicorn. But we aren’t stopping there. With a strong operational footprint and 800+ employees, we have ambitious plans to continue scaling. We’re building a world where tech skills unlock people’s potential and output. Join Multiverse and power our mission to equip the workforce to win in the AI era. ROLE PURPOSE Your mission is to master the art of the "Mock Audit." You'll operate as a high-level internal consultant, deploying deep-dive scrutiny and advanced data analytics to safeguard our funding. In this role, you aren't just checking boxes — you're a technical architect ensuring that every pound of funding is defended through world-class data integrity and relentless rigour. KEY RESPONSIBILITIES * Funding Scrutiny: Execute a continuous schedule of funding scrutiny, including reporting findings to our Chief Finance Officer and Regulatory Affairs leadership. * Department Auditing: Conduct targeted audits on specific departments or processes to ensure compliance with funding rules. Lead "Mock Audit" simulations, acting as the primary point of contact for internal teams to "prep" their evidence. * Project Management: Lead and support cross-functional improvement projects * Quality Control: Perform deep-dive quality checks on ILR data, Change of Circumstance requests, and Break in Learning evidence. * Feedback Loop: Provide critical feedback based on audit findings. Your insights drive improvement. * Improvement Plans: Drive cross-functional improvements in auditability and evidence collection, ensuring we are always "audit-ready." Serve as a subject matter expert during the design phase of new processes and products, ensuring that "auditability" is built into the workflow from the start. WHAT YOU’LL BRING * Audit Lifecycle Management: Demonstrable experience participating in at least one live financial assurance or compliance audit, or a structured internal mock audit process. Must have a solid understanding of evidence pack requirements for establishing learner and programme eligibility. * Risk Assurance & Strategic Reporting: Able to produce regular reports from complex data into high-level strategic narratives to provide C-Suite and senior leadership with data backed confidence to drive informed, top-down decision making. * Project Management: A proven track record of driving long-term, cross-functional improvement projects. * Data Analysis: Able to transform raw data into actionable insights by leveraging complex formulas, pivot tables, and automated workflows. * Detail Oriented: A forensic eye for detail and experience in auditing and/or quality assurance. * Objectivity: The ability to remain objective and rigorous in checking internal work. Nice to haves * Funding Knowledge: Deep understanding of what constitutes valid evidence for apprenticeship funding (e.g., off-the-job training rules). Ability to interpret guidance and apply it to complex learner journeys. * ILR Technical Knowledge: Strong working knowledge and understanding of the ILR Technical Specification. * PDSAT & Data Integrity: Proven experience running and resolving PDSAT reports. They should be able to explain the "why" behind common error reports (e.g., overlapping dates, missing NIH numbers, or 42-day qualifying period breaches). Benefits * Time off - 27 days holiday, plus 5 additional days off: 1 life event day, 2 volunteer days, 2 company-wide wellbeing days (M-Powered Weekend) and 8 bank holidays per year * Health & Wellness- private medical Insurance with Bupa, a medical cashback scheme, life insurance, gym membership & wellness resources through Wellhub and access to Spill - all in one mental health support * Hybrid work offering - for most roles we collaborate in the office three days per week with the exception of Coaches and Instructors who collaborate in the office once a month * Work-from-anywhere scheme - you'll have the opportunity to work from anywhere, up to 10 days per year * Space to connect: Beyond the desk, we make time for weekly catch-ups, seasonal celebrations, and have a kitchen that’s always stocked! Our Commitment to Diversity, Equity and Inclusion We’re an equal opportunities employer. And proud of it. Every applicant and employee is afforded the same opportunities regardless of race, colour, ancestry, religion, sex, national origin, sexual orientation, age, citizenship, marital status, disability, gender, gender identity or expression, or veteran status. This will never change. Read our Equality, Diversity & Inclusion policy here. Our Commitment to Safeguarding Multiverse is committed to safeguarding and promoting the welfare of our learners. We expect all employees to share this commitment and adhere to our Safeguarding Policy, our Prevent Policy and all other Multiverse company policies. Successful applicants will be required to undertake at least a Basic check via the Disclosure Barring Service (DBS). For roles that will involve a Regulated Activity, successful applicants must also undergo an Enhanced DBS check, including a Children’s Barred List check and a Prohibition Order check. Roles involving Regulated Activity may interact with vulnerable groups, therefore are exempt from the Rehabilitation of Offenders Act 1974 meaning applicants are required to declare any convictions, cautions, reprimands, and final warnings. Providing false information is an offence and could result in the application being rejected or summary dismissal if the applicant has been selected, and possible referral to the police and the DBS.