Enterprise Risk Manager

Visa Hunt; Barcelona, Madrid; Híbrido; EUR 53.000 - 65.000; Jornada completa

Ventajas ofrecidas por este puesto de trabajo

Hybrid work in Barcelona/Madrid

Learning budget €1,200 per year

Private healthcare

Well-being benefits

38 days annual leave

Descripción de la vacante

Monzo Europe seeks an experienced Enterprise Risk Manager to help us grow safely and sustainably across the EU. You will embed ERM, balance risk discipline with a fast‑moving culture, and support governance with robust processes.

Based in our Barcelona/Madrid hybrid office, you will lead risk identification, appetite, horizon scanning and reporting to the Board while promoting a strong risk culture and delivering training.

Formación

• Proven track record in risk management within heavily regulated financial services.
• Expertise with Enterprise Risk Management frameworks, governance and reporting.
• Strong knowledge of European risk regulations (EBA, ECB/SSM, Basel).

Responsabilidades

• Embed enterprise risk management across the organisation with first‑line teams.
• Coordinate and maintain Risk Appetite Framework across EU.
• Lead the enterprise risk identification and materiality assessment for all material risks.
• Execute risk horizon scanning and impact analyses across business lines.
• Support risk culture and deliver training and awareness programmes.
• Maintain EU Risk Taxonomy, risk register and impact matrix.
• Deliver risk reports to the Board and Executive Committees.
• Support governance committees and regulatory compliance.
• Provide committee secretariat support across EU governance flows.
• Embed Enterprise Frameworks, Policies and Standards in Europe.

Conocimientos

Risk management

ERM governance

Regulatory knowledge (EU)

Analytical thinking

Stakeholder management

Communication skills

Herramientas

ERM tools

Descripción del empleo

Our Risk team

Monzo Europe is an Irish‑based subsidiary and the home for Monzo’s expansion across the European Union. Newly authorised and scaling across Europe, we are building a bank that feels radically different: simple, transparent and genuinely customer‑obsessed, and we are 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.

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.
• Supporting 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.

What’s in it for you

• A base salary range of €53,000 – €65,000 and incentive awards tied to performance.
• Hybrid working model, based in our Barcelona/Madrid office 2‑3 days a week, with travel to Monzo’s head offices in Dublin and/or London from time to time.
• Flexible working hours and trust to work the hours that suit you and your team.
• Annual leave of 38 days, including public holidays.
• €1,200 annual learning budget for books, training courses and conferences.
• Private healthcare scheme.
• Well‑being benefits: financial education, women’s and men’s health support, mental health benefits including coaching and counselling.

Equal opportunities for everyone

Diversity and inclusion are a priority for us and we are making sure we have lots of support for all people to grow at Monzo. 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, veteran, neurodiversity or disability status.

We encourage the use of a preferred name in the application; full or birth names are not required at the application stage.