📍London/Cardiff/UK Remote | 💰£108,700 - £130,000 + Incentive Awards tied to your performance + Benefits  ✨

We’re looking for a Senior Audit Innovation and Enablement Lead to help reinvent Internal Audit at Monzo.  You’ll have the freedom to redefine how assurance is delivered at scale, by building products that power continuous and intelligent assurance.  

You don’t need an audit background for this role.  What we’re looking for is a technical builder who thinks like a product owner.  

⭐ Our Internal Audit team

Internal Audit is Monzo’s Third Line of Defence, and we’re here to help Monzo grow safely.  We’re looking for a passionate Data and Innovation Lead, to build data and AI products that create an outsized impact for the Internal Audit function.  

This is a highly cross-functional role that gives you a holistic and global view of Monzo. You’ll be an individual contributor who can deliver impact through others.

If you’re excited by the prospect of building and deploying scalable AI-led products that redefine what assurance looks like, then we want to hear from you.

🔑 You’ll play a key role by...

• Championing a product owner mindset across the Internal Audit function, that is focused on providing technology enabled, repeatable and value-driven assurance.  
• Driving a culture of innovation, and helping the Internal Audit function to translate creative concepts into practical solutions.  
• Working closely with the Head of Professional Practices, Senior Audit Transformation Lead and the audit team to identify opportunities for innovation, and define the product roadmap.  
• Helping the business audit team to design data-driven test strategies, and translate control objectives into scalable analytical tests and metrics.
• Building, deploying and maintaining scalable AI and automation solutions, and becoming an advocate for their adoption.
• Fostering a data-led understanding of risk through data science.
• Establishing robust monitoring controls over the completeness and accuracy of key datasets that are ingested into data products.   
• Staying at the forefront of emerging technology trends, and collaborating with other parts of Monzo to make sure Internal Audit leverages and capitalises on broader developments.
• Building collaborative working relationships with stakeholders outside of Internal Audit, such as the Data Discipline.   
• Training and upskilling the Internal Audit function on using data and AI solutions.

🤩 We’d love to hear from you if…

• You have worked in fast-moving environments, and been involved with developing risk and control frameworks.
• You have a strong technical foundation in data science and analytics engineering, and have experience working with modern technology stacks.  
• You think like a product owner, can influence without authority, have a track record of driving technology adoption.  
• You are a natural translator and collaborator, who can bridge the gap between data science and business risk.  
• You understand the risks inherent to AI and automation, and can design controls to manage these risks.   

🙌 What’s in it for you

💰 £108,700 - £130,000 ➕Incentive Awards tied to your performance.

📍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.

🌈 The application journey has 4 key steps

• Short call with a Monzo Recruiter
• Short Call with the Hiring Manager
• Full loop Interviews (Role Specific Interview + Behavioural Interview)
• Short Final Call with the Chief Internal Auditor (for successful Applicants)

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. 

⏳The closing date for applications is 6pm on 20th August

 

#LI-REMOTE

#CM-1

📍London/Cardiff/UK Remote | 💰 £115,000 - £150,000 + Incentive Awards tied to your performance + Benefits  ✨

About our Machine Learning Search Team

We are currently embarking on one of our two top strategic priorities to make Money work for Everyone: building the Monzo Co-pilot. We are becoming an intelligent, proactive ally that handles the complexity of users financial life. We aren't just selling financial products; we are building a truly smart agent that understands users, anticipates their needs, and helps people reach their financial goals.

Our ML Search team brings together Backend, Product, Machine Learning Scientists and Data Scientists. As a Lead Machine Learning Scientist, you’ll build and ship models that help customers search for and find answers about their financial lives. You'll make it effortless for them to find the right products at the exact moment they need them.

Whether it’s surfacing the right savings product at the perfect moment, helping customers manage their spending, or simplifying financial planning, our work makes banking smarter, more intuitive, and truly customer-first.

What you’ll be working on:

#LI-REMOTE #LI-SR1

📍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

Full Loop: ML Modelling Interview, Product & ML interview, Behavioural Interview, Leadership 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

📍London/Cardiff/UK Remote | 💰 £115,000 - £150,000 + Incentive Awards tied to your performance + Benefits  ✨

About our Machine Learning Operations team:

The challenges are significant: we aim to transform customer service by reducing the time and effort required to resolve issues, enhancing customer confidence and satisfaction. As part of Operations, you’ll be at the forefront of our mission to provide unparalleled customer support experiences.

Your role will be pivotal in leveraging state-of-the-art machine learning techniques (including LLMs and autonomous agents) to understand customer problems. You will lead the development of an effective human-in-the-loop system that augments automation with the efforts of our support workforce (who we call COps). This allows us to more expediently and efficiently predict, identify, disambiguate, and route customer problems at scale to support a rapidly expanding company with global ambitions across multiple geographies.

You’ll be working closely with a team of Machine Learning Scientists in Operations, embedded in product squads alongside data scientists, backend, mobile and web engineers, product managers, user researchers, designers, and operations specialists.

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 wider Machine Learning discipline, helping to steer technical work and drive up standards.

This will involve:

• Working with stakeholders across the organisation to identify and scope out the most impactful opportunities to transform Customer Operations with Machine Learning.

• Leading the design and development of advanced Machine Learning models, exploring how LLMs, RAG, and sequence-based architectures can drive improvements in query resolution and routing.

• Providing technical leadership to drive up levels of technical expertise and best practice across the Machine Learning discipline, leading by example and mentoring others.

• Steering ongoing technical strategy, working closely with our MLOps team and backend engineers 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

• 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 customer operations, capacity planning, forecasting, or 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

Full Loop: ML Modelling Interview, Product & ML interview, Behavioural Interview, Leadership 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

📍Madrid, Spain  |💰 €53,000 - €65,000, 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 base salary range of €53,000 - €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, however, you will be expected to travel to Monzo’s head offices in Dublin and/or London from time to time.

⏰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 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

📍Barcelona, Spain  |💰 €53,000 - €65,000, 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 base salary range of €53,000 - €65,000 ➕ Incentive Awards tied to your performance.

📍This role will have a hybrid working model, based in our Barcelona office 2 - 3 days a week, however, you will be expected to travel to Monzo’s head offices in Dublin and/or London from time to time.

⏰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 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

We are reinventing credit cards in the most transparent way possible. We are working directly with card issuers to change how credit is used throughout the world, creating new types of cards that work for both their everyday lives and large purchases with extremely straightforward, flexible terms. You'll work across stacks and across the company, working both in just-in-time transaction processing that has to take place in milliseconds, along with our ledgering and reconciliation systems in post-transaction processing. This is some of the more difficult, exciting, experimental engineering work in Affirm. Join us and our team in Spain and Poland to help us revolutionize payments!

What You'll Do

· You will be responsible for owning and delivering quarterly goals for your team, leading engineers on your team through ambiguity to solve open-ended problems, and ensuring that everyone is supported throughout delivery.
· You will support your peers and stakeholders in the product development lifecycle by collaborating with product management, design & analytics by participating in ideation, articulating technical constraints, and partnering on decisions that properly consider risks and trade-offs.
· You will proactively identify project, process, technology or business issues, advocate for them, and lead in solving them.
· You will support the operations and availability of your team’s artifacts by creating and monitoring metrics, escalating when needed, and supporting “keep the lights on” & on-call efforts.
· You will foster a culture of quality and ownership on your team by setting or improving code review and design standards for your team, and advocating for them beyond your team through your writing and tech talks.
· You will help develop talent on your team by providing feedback and guidance, and leading by example.


What We Look For

· You have a total of 4+ years of experience as a software engineer.
· You are experienced in designing, developing and launching backend systems at scale technologies like Python, Kotlin, AWS, MySQL, and Kubernetes.
· You have experience shipping front end applications
· You have experience defining a technical plan for the delivery of a significant feature or system component with an elegant, simple and extensible design. You write high quality code that is easily understood and used by others.
· You are proficient at making significant changes in a large code base, and have developed a suite of tools and practices that enable you and your team to do so safely.
· Your experience demonstrates that you take ownership of your growth, proactively seeking feedback from your team, your manager, and your stakeholders.
· You have strong verbal and written communication skills that support effective collaboration with our global engineering team.

We are reinventing credit cards in the most transparent way possible. We are working directly with card issuers to change how credit is used throughout the world, creating new types of cards that work for both their everyday lives and large purchases with extremely straightforward, flexible terms. You'll work across stacks and across the company, working both in just-in-time transaction processing that has to take place in milliseconds, along with our ledgering and reconciliation systems in post-transaction processing. This is some of the more difficult, exciting, experimental engineering work in Affirm. Join us and our team in Spain and Poland to help us revolutionize payments!

What You'll Do

· You will be responsible for owning and delivering quarterly goals for your team, leading engineers on your team through ambiguity to solve open-ended problems, and ensuring that everyone is supported throughout delivery.
· You will support your peers and stakeholders in the product development lifecycle by collaborating with product management, design & analytics by participating in ideation, articulating technical constraints, and partnering on decisions that properly consider risks and trade-offs.
· You will proactively identify project, process, technology or business issues, advocate for them, and lead in solving them.
· You will support the operations and availability of your team’s artifacts by creating and monitoring metrics, escalating when needed, and supporting “keep the lights on” & on-call efforts.
· You will foster a culture of quality and ownership on your team by setting or improving code review and design standards for your team, and advocating for them beyond your team through your writing and tech talks.
· You will help develop talent on your team by providing feedback and guidance, and leading by example.

· On-Call Rotation - There would be an on-call rotation for this role as a requirement.


What We Look For

· You have a total of 4+ years of experience as a software engineer.
· You are experienced in designing, developing and launching backend systems at scale technologies like Python, Kotlin, AWS, MySQL, and Kubernetes.
· You have experience shipping front end applications
· You have experience defining a technical plan for the delivery of a significant feature or system component with an elegant, simple and extensible design. You write high quality code that is easily understood and used by others.
· You are proficient at making significant changes in a large code base, and have developed a suite of tools and practices that enable you and your team to do so safely.
· Your experience demonstrates that you take ownership of your growth, proactively seeking feedback from your team, your manager, and your stakeholders.
· You have strong verbal and written communication skills that support effective collaboration with our global engineering team.

Who we are

About Stripe

Stripe is a financial infrastructure platform for businesses. Millions of companies - from the world’s largest enterprises to the most ambitious startups - use Stripe to accept payments, grow their revenue, and accelerate new business opportunities. Our mission is to increase the GDP of the internet, and we have a staggering amount of work ahead. That means you have an unprecedented opportunity to put the global economy within everyone's reach while doing the most important work of your career.

About the team: 

Stripe Accelerate is a division of Professional Services (ProServ) that helps users realize the full value of their Stripe investment. Accelerate focuses on well-defined use cases. Accelerate streamlines the implementation of these solutions, guiding users through their journey with precision and efficiency. Our team uses deep product knowledge, standardized processes, and automation to deliver outcomes. We nurture a diverse talent pool, providing high-potential professionals with unparalleled growth opportunities and preparing them for successful careers at Stripe.

What you’ll do

In this role, you’ll lead a team of Implementation Specialists dedicated to providing technical guidance throughout the user’s implementation journey with Stripe. Your team will address technical queries, troubleshoot issues, and collaborate closely with frontline developers and technical leaders to ensure a simple, effective experience. You will actively engage with and develop your team, setting clear goals and using metrics to improve performance. Your strong operations mindset and quick thinking will be vital in ensuring that projects are delivered successfully and that users deploy high-quality integrations to realize strategic value from Stripe.

Responsibilities 

• Hire, lead and develop a team of Implementation Specialists to provide technical guidance during user implementations
• Oversee project delivery of the book of business assigned to your team through: monitoring of project health, quality, and SLA compliance
• Effectively manage team capacity through: project assignments, resource allocation and forward capacity planning (including PTO planning)
• Coordinate escalations across Product, Sales, Engineering, and Professional Services teams
• Manage the onboarding process for new Implementation Specialists, including system access, and training 
• Identify opportunities to improve processes and adopt new practices that enhance service delivery
• Collaborate with cross-functional teams like sales and product to deliver high-impact initiatives 
• Advocate for exceptional customer service and build strong relationships with users.

Who you are

We're looking for someone who meets the minimum requirements to be considered for the role. If you meet these requirements, you are encouraged to apply. The preferred qualifications are a bonus, not a requirement.

Minimum requirements

• 5+ years of building and leading high performing professional services and/or customer success/support teams in a high growth technology environment
• 10+ years of customer facing experience in an infrastructure, platform, or SaaS business
• Ability to convey complex business and technical concepts to both technical and non-technical audiences, along with quickly grasping technical concepts to support escalations
• Experience working cross-functionally with global teams to deliver high-impact initiatives
• Operational mindset with experience in launching new processes and delivering services
• Analytical skills to investigate, prioritize, and identify the root cause of issues
• Comfort operating in a highly ambiguous and fast-paced environment
• Excellent written and verbal communication skills

This is Adyen

Adyen provides payments, data, and financial products in a single solution for customers like Meta, Uber, H&M, and Microsoft - making us the financial technology platform of choice. At Adyen, everything we do is engineered for ambition. 

For our teams, we create an environment with opportunities for our people to succeed, backed by the culture and support to ensure they are enabled to truly own their careers. We are motivated individuals who tackle unique technical challenges at scale and solve them as a team. Together, we deliver innovative and ethical solutions that help businesses achieve their ambitions faster.

We are looking for a builder, not just a manager. As the Team Lead for Business Development based in Berlin, you will hold a dual mandate: Coach the talent and Engineer the GTM strategy.

You will lead the team responsible for the DACH, CEE, and Nordics regions, markets that require distinct strategies and precision. We are moving beyond standard "SDR" motions. We need a leader who can analyze signal patterns, partner with RevOps to automate workflows, and provide our Heads of Sales with predictive insights on which verticals will trend next.

What you’ll do

• Lead & Develop (The People): Recruit, hire, and coach a high-performing team of 9 Business Development Representatives (BDRs). You won’t just track KPIs; you will dissect calls, refine commercial judgment, and help BDRs "create their own path" toward closing roles.
• GTM Architecture (The Engine): Act as the "GTM Engineer" for your region. Work with RevOps to optimize lead routing, data enrichment, and dashboarding. If the process is broken, you don't just report it: you fix it.
• Strategic Forecasting: Partner with Sales, Marketing and Product Marketing to tailor our go-to-market strategy per vertical. You will identify future trending sectors in DACH/CEE/Nordics before they hit the mainstream news.
• Data-Driven Experimentation: Embed a culture of A/B testing. Use data to refine messaging and targeting. You will be the bridge between the qualitative feedback of the BDRs and the quantitative rigor of our systems.
• Cross-Border Collaboration: Champion the "Global License to Operate." Ensure your team collaborates effectively with Industry Leads, Head of Sales and Country Managers, adhering to our rules of engagement and Salesforce hygiene is non-negotiable.

Who you are

• You have 3+ years in Sales/Business Development, with at least 1+ year leading a team or driving complex GTM projects.
• You are comfortable with the "Ops" side of sales. You understand that Salesforce is the source of truth and know how to leverage tools to uncover bottlenecks.
• You drive performance through empathy and radical candor ("Talk straight without being rude"). You build teams that win together.
• You can look at a list of 100 accounts and explain why we should prioritize the top 10 based on market signals, not just guesswork.
• You are fluent in English and German. Experience working across CEE or Nordic markets is a significant plus.

 

Our Diversity, Equity and Inclusion commitments 

Our unique approach is a product of our diverse perspectives. This diversity of backgrounds and cultures is essential in helping us maintain our momentum. Our business and technical challenges are unique, and we need as many different voices as possible to join us in solving them - voices like yours. No matter who you are or where you’re from, we welcome you to be your true self at Adyen. 

Studies show that women and members of underrepresented communities apply for jobs only if they meet 100% of the qualifications. Does this sound like you? If so, Adyen encourages you to reconsider and apply. We look forward to your application!

What’s next?

Ensuring a smooth and enjoyable candidate experience is critical for us. We aim to get back to you regarding your application within 5 business days. Our interview process tends to take about 4 weeks to complete, but may fluctuate depending on the role. Learn more about our hiring process here. Don’t be afraid to let us know if you need more flexibility.

 

This role is based out of our Berlin office. We are an office-first company and value in-person collaboration; we do not offer remote-only roles.

 

About the opportunity
We are looking for a dynamic AFC Analyst to join our AFC Department to ensure compliance with applicable regulations and relevant company policies related to Anti-Financial Crime. Our target in AFC is to lead and shape the industry by creating a culture of compliance within N26 that authorities, customers and stakeholders can trust. This role is crucial to achieve this goal.

In this role, you will:
As AFC Analyst, you will support all Anti-Financial Crime tasks including AML, terrorism financing, sanctions, KYC, and fraud. You’ll detect Money Laundering typologies and Financial Crime patterns, while handling external and internal requests to detect potential financial crime. 
Your responsibilities will include: 

• Review and improve the investigation/assessments escalated by the Investigators, ensuring quality Investigations of complex Financial Crime escalations or cases of suspicious activities identified.
• Ensuring quality and suggesting better ways of working when difficulties are identified and /or for gaining efficiency.
• Enhancing our analysis, and expanding the processes in our procedures and rulebook, as well as identifying improvements related to our internal transaction monitoring systems.
• Draft and submit Suspicious Activity Reports/Authority requests to SEPBLAC and the corresponding authorities, prior escalation to the Associate/TL.

What you need to be successful:

• About 4 years with relevant banking experience in Anti Financial Crime (money laundering, terrorist financing, fraud, tax evasion).
• Experience on Spanish AML/CTF regulation and handling reporting (ie. SARs, FTF) to SEPBLAC.
• Experience dealing with Spanish AML authorities will be a plus.
• Bachelor’s degree (ideally in law, business or finance) is preferred.
• Advanced use of MS Office (G suits) skills for Excel and Word. Salesforce experience is a plus.
• Knowledge of European and Spanish regulations on Financial Crime (AML, terrorism financing, fraud, and tax evasion)
• You are fluent in English and Spanish languages.
• Deliver with quality and keep confidentiality
• Maintain an analytical mindset, willingness of thinking out of the box and appetite for learning

Skills: 

• You are detail oriented, diligent and reliable.
• You have a hands-on mentality and take on ownership.
• You should enjoy a fast paced working environment, show high willingness to learn and work autonomously to grasp new topics.

Traits:

• Actively help yourself (and others) be successful.
• Continuously learn and challenge the status quo.
• Think globally, act locally.
• Strong bias for action.
• Give and receive open, direct and timely feedback.
• Respect and follow internal escalation rules

 What’s in it for you:

• Accelerate your career growth by joining one of Europe’s most talked about disruptors 🚀.
• Employee benefits that range from a competitive personal development budget, work from home budget, discounts to fitness & wellness memberships, language apps and public transportation. 
• As an N26 employee you will have access to a Premium subscription on your personal N26 bank account. As well as subscriptions for friends and family members.    
• Vacation days vary depending on your location of work. Additional day of annual leave for each year of service.  
• A high degree of autonomy and access to cutting edge technologies - all while working with a friendly team of peers of diverse nationalities, life experiences and family statuses. 
• A relocation package with visa support for those who need it.

 

Who we are

N26 has reimagined banking for today’s digital world. Technology and design empower everything we do and it’s how we are building the global banking platform the world loves to use.

We've eliminated physical branches, paperwork, and hidden fees for an elegant digital experience and supreme savings. Giving people the power to live and bank their way is what gets us out of bed in the morning and inspires the work that we do.

We are headquartered in Berlin with offices in multiple cities across Europe, including Vienna and Barcelona, and a 1,500-strong team of more than 80 nationalities.

Do you see yourself thriving in this role? We’d love to see your application even if you don’t meet 100% of the criteria. You may just be the right fit for this or other roles!

Equal opportunities for all. 

At N26, we believe our strength lies in our people and the varied perspectives they bring. We strive to build diverse teams that drive innovation and business success. We actively seek talent from all backgrounds and welcome applications from all genders, cultures, sexual orientations, abilities, neurodiversities, and ages.

We are committed to providing an excellent and accessible candidate experience. If you require any accommodations to make this process work for you, please let us know. We’re here to support you!Discover more about Diversity & Inclusion at N26: https://n26.com/en-eu/diversity-and-inclusion

Building the Future of Open Finance Payward - the parent company behind Kraken, NinjaTrader, Breakout, xStocks, Payward Services and CF Benchmarks - has spent the last 15 years building one of the most modern and globally accessible financial infrastructure platforms in the industry, built to advance an open, global financial system. Before you apply, we encourage you to explore our culture page to understand what drives us and how we work. The team Founded in 2011, Kraken is one of the world's longest-standing crypto platforms, trusted by over 10 million individuals and institutions across the globe. It offers spot trading, margin, futures, staking, and OTC services, with products built for both individual investors and institutional clients. Our Regulatory Legal team is the group responsible for maintaining and growing Kraken’s product offerings across the EU and UK and for advising the business on its day-to-day regulatory obligations. We’re a tight, experienced group of lawyers from a diverse range of tradfi, fintech, and crypto backgrounds who move fast, stay curious, and take pride in the commercial accountability of our advice – partnering directly with Compliance, Product, and senior leadership to keep our licensed entities running smoothly and our regulators well served. The Senior Counsel role is a remote role based in the UK or the EU, and will report into the EU/UK Regulatory Legal team. The role exists to own the significant volume of ongoing, business-as-usual regulatory work that currently falls to a small group of very senior lawyers – freeing them to focus on strategic licensing initiatives, complex transactions, and team leadership. You will operate as a practical legal generalist with focus on: - Product advice covering Payward’s growing offerings in the EU and UK (Krak card, payments and staking, among other things) - Cryptoasset Regime Compliance (under MiCA/EU or in the UK) — advising on regulatory obligations for CASPs including supporting on the steady flow of regulatory queries, notifications and supervisory correspondence that keeps our licensed entities compliant and our regulatory relationships strong; and - Payments & e-money compliance — advising on regulatory obligations affecting our e-money and payment accounts and supporting related workstreams as they arise. We’re looking for a hands-on lawyer with strong regulatory fluency and a track record of independently owning BAU regulatory relationships (ideally honed in the regulated financial sector). This is a fully remote role for a qualified lawyer in the UK or EU. The opportunity - Provide legal support on cryptoasset, e-money and payment services regulatory requirements, including advising on account-access obligations and related operational compliance questions - Support the team’s active licensing applications and other in-flight EU/UK licensing or registration workstreams, including compiling application materials and coordinating with outside counsel - Provide regulatory support on corporate transactions and structural changes affecting EU/UK entities (e.g., change-of-control notifications, corporate client migrations) - Support the day-to-day relationship with regulators for our licensed entities - Translate complex regulatory frameworks (e.g., MiCA and the UK Cryptoasset Regime, CBI and FCA rulebooks, AML/CTF, DORA, outsourcing requirements, and e-money and payment services regulation) into pragmatic, actionable guidance for the business - Foster a culture of clarity, favouring plain-English communication, measurable risk tradeoffs, and decision-ready recommendations What you bring - Qualified lawyer (Solicitor/Barrister of England & Wales, Irish Solicitor/Barrister, or equivalent admitted in an EU Member State) - 10+ years’ post-qualification experience (PQE) in financial services regulatory law gained at a regulated financial services institution (e.g., a bank, payment institution, broker-dealer, exchange, or crypto services provider) or in a law firm/private practice supporting such clients, with demonstrated ability to independently own BAU regulatory workstreams - Direct experience supporting regulator engagement (e.g., with the CBI, FCA, or an equivalent EU competent authority), including notifications, information requests, and supervisory correspondence - Substantive experience advising on MiCA or the UK Cryptoasset Regime (i.e., FCA authorisation for regulated cryptoasset activities under the Financial Services and Markets Act 2000 (Cryptoassets) Regulations 2026) — experience with one regime is sufficient; both is not required - Substantive experience with e-money and payment services regulation in the EU or UK (experience in one jurisdiction is sufficient; both is not required), including account-access and open banking obligations - Experience in AML/CTF (anti-money laundering / counter-terrorist financing), including advising on related policies, controls, and regulatory expectations - Experience advising on outsourcing arrangements and operational resilience compliance (e.g., Digital Operational Resilience Act in the EU, or the FCA/PRA operational resilience regime in the UK) - Outstanding analytical, drafting, and organisational skills with crisp, plain-English writing - Ability to efficiently and confidently distill complex legal and regulatory issues into clear, actionable guidance for non-lawyer stakeholders - Pragmatic, commercially accountable approach to legal and regulatory risk that prioritises providing stakeholders with a useful range of options and clear recommendations - Comfortable operating with a high degree of autonomy and owning a broad, fast-moving BAU workload from day one Nice to haves - Familiarity with MiFID II and its application to investment services, including derivatives, equities, and emerging tokenised financial instruments - Experience supporting change-of-control notifications or other regulatory aspects of corporate transactions - An authentic interest in crypto and digital assets, and familiarity with Payward’s and competitors’ products Unless a specific application deadline is stated in the job posting, applications are accepted on an ongoing basis. Please note, applicants are permitted to redact or remove information on their resume that identifies age, date of birth, or dates of attendance at or graduation from an educational institution. We consider qualified applicants with criminal histories for employment on our team, assessing candidates in a manner consistent with the requirements of the San Francisco Fair Chance Ordinance. Our commitment Payward is powered by people from around the world and we celebrate the diverse talents, backgrounds, contributions, and unique perspectives that everyone brings to the table. We hire based on merit, seeking out people with the right abilities, knowledge, and skills for the job. We encourage you to apply for roles where you don't fully meet the listed requirements, especially if you're passionate or knowledgeable about crypto. We may ask candidates to complete job-related skills or work-style assessments as part of our hiring process. These assessments evaluate competencies relevant to the role and are applied consistently across candidates for similar positions. Results are considered alongside experience and interviews, and are not the sole basis for any employment decision. As an equal opportunity employer, we don't tolerate discrimination or harassment of any kind, whether based on race, ethnicity, age, gender identity, citizenship, religion, sexual orientation, disability, pregnancy, veteran status, or any other protected characteristic as outlined by federal, state, or local laws. Stay connected Follow us on Twitter Learn on the Kraken Blog Connect on LinkedIn Candidate Privacy Notice