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You’ll own the second‑line oversight of key prudential regulatory deliverables such as the ICAAP, Recovery Plan and stress‑testing models, reviewing and challenging financial forecasts in G‑Sheets and Anaplan. You’ll also produce reports and recommendations for risk committees and the Board, and conduct discrete assurance reviews.
The employer seeks candidates with hands‑on prudential risk experience from a bank, consultancy or regulator, deep knowledge of capital, recovery and resolution regulations, and strong Excel/G‑Sheet modelling skills. Advanced data‑analysis ability and proven relationship‑building across the three lines of defence are also required.
This role safeguards Monzo’s growth by ensuring regulatory compliance and robust capital planning, directly supporting the bank’s mission to “grow safely.” It provides the oversight needed for the Board and risk committees to make informed decisions.
Ideal candidates are analytical regulators or consultants who enjoy interpreting complex capital rules, building financial models, and collaborating with first‑line stakeholders in a fast‑moving fintech environment. Those eager to shape 2LoD oversight and strengthen risk controls will thrive.
🚀 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 Remote (UK) | 💰 £64,000 - £80,000 + Incentive Awards tied to your performance + Benefits
Our Prudential Risk team⭐
Our Prudential Risk team is expanding, and we are searching for a Manager to join our 2nd Line Prudential Risk Oversight team. You will be part of the broader 2LoD Risk and Compliance department here at Monzo.
This represents a fantastic chance to contribute to a scaling bank with high aspirations. By joining the Prudential Risk Oversight team, you will champion our value to "grow Monzo safely." Your focus will involve collaborating with 1st Line Financial Risk to provide expert second-line oversight of their key prudential regulatory deliverables including the ICAAP, Recovery Plan and Resolution Planning. The role will also interpret and assess the impact of regulatory change and support the review and development of financial models used for financial forecasting, capital planning, and stress testing.
Ideally you will have had experiences producing or reviewing regulatory submissions, the role will support the Senior Manager overseeing the ICAAP, Recovery Plan and across all RAF barriers, with a key focus on the financial risk barriers. You will work alongside the first line to provide in-flight review and challenge and complete independent assurance reviews on discrete areas of focus. Part of the role will involve reviewing stress testing outputs from Anaplan for the ICAAP, Recovery Planning and Valuation In Resolution, it would be beneficial to have experience analysing large data sets in excel/g-sheets.
A successful applicant will bring hands-on experience of interpreting and challenging capital prudential regulations and have the ability to develop and build strong working relationships with colleagues across the three lines of defence.
🔑You’ll play a key role by…
🤩 We’d love to hear from you if…
We are looking for someone who has a strong foundation in several of these areas, with plenty of room and support to learn and develop the rest within the role.
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!
Our interview process usually involves up to four main stages via Google Hangouts:
🙌 What’s in it for you
We have some guidelines on using Artificial Intelligence (AI) to ace an application and interview at Monzo. You can read them here.
We’ll close this role once we have enough applications for the next stage, so please apply as soon as you can - we don’t want you to miss out!
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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 😊
