Senior Financial Risk and Controls Manager

Monzo; Dublin; Hybrid; EUR 91,000 - 112,000; Full time

Benefits offered by this job

Hybrid working model

€1,200 learning budget

Private healthcare

Pension scheme (4% + match up to 6%)

34 days annual leave

Job summary

Monzo Bank Europe DAC in Dublin is seeking a Senior Financial Risk and Controls Manager to build and maintain a robust risk and control environment across European markets. You will test Finance controls, review evidence, support regulatory reporting assurance, and help improve risk management across Finance functions.

You will work with Regulatory Reporting, Treasury, FP&A, Tax, and Internal Audit, challenging processes and documenting findings with clear remediation plans and strong

Qualifications

• Qualified in accounting or near qualification (ACA/ACCA/CIMA/CPA Ireland).
• Experience in audit, financial control, risk assurance or regulatory reporting.
• Banking/fintech experience preferred.
• Strong attention to detail and ability to challenge evidence.

Responsibilities

• Test key Finance controls, review evidence and regulatory reporting.
• Track remediation actions and improve risk management.
• Prepare updates for Finance leadership on testing results and risks.
• Collaborate with second-line Risk & Compliance and Internal Audit.

Skills

Auditing experience

Regulatory reporting

Financial controls

Risk assurance

Internal controls

Challenging evidence

Education

Accounting qualification (ACA/ACCA/CIMA/CPA Ireland)

Job description

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 | €91,000 - €111,500 + Incentive Awards tied to your performance + benefits | Hear from the team

Our Finance team

We are looking for a Senior Financial Risk and Controls Manager to join Monzo Bank Europe DAC based in Dublin.

You will help Finance build and maintain a strong risk and control environment as we develop and grow our business across European markets. You will test key Finance controls, review evidence, support regulatory reporting assurance, track remediation actions and help improve the way Finance manages risk.

Working across Financial Control, Regulatory Reporting, Treasury, FP&A, Tax, Risk & Compliance and Internal Audit, you will bring your accounting expertise, strong attention to detail and a practical approach to controls. You will be comfortable challenging processes, writing clear findings and helping teams improve.

This is a great role for someone from audit, financial control or risk assurance who wants to help build a high-quality and robust Finance control environment in a growing digital bank.

You’ll play a key role by...

• Maintaining a robust and well-documented risk and control environment by improving documentation, evidence standards and control processes for the Finance team, and helping to ensure Finance-owned risks are aligned with MBEU’s risk appetite and the wider Enterprise Risk Management Framework.
• Designing, maintaining and enhancing Finance risk and control matrices for key processes.
• Performing regular control testing and review of evidence across Finance processes, including financial reporting, month-end close, balance sheet reconciliations, regulatory reporting, tax, treasury and capital/liquidity-related processes.
• Testing Finance controls and assessing design and operating effectiveness. Identifying control gaps, recommending enhancements, and embedding change by tracking remediation actions and progress.
• Leading and supporting Finance risk and control self-assessments, including evidence gathering, challenge and documentation.
• Preparing concise updates for Finance leadership on control testing results, open issues, remediation progress and emerging risks. Supporting risk assurance reporting to MBEU governance forums.
• Working with second-line Risk & Compliance teams on oversight reviews, assurance planning and risk reporting.
• Supporting Internal Audit and external audit requests relating to Finance controls.

We’d love to hear from you if…

• Hold a recognised accounting qualification, or be close to qualification, such as ACA, ACCA, CIMA, CPA Ireland or equivalent.
• Have detailed experience in audit, financial control, risk assurance, internal controls or regulatory reporting.
• Have experience in Banking, fintech or financial services experience.
• Can demonstrate a strong understanding of accounting processes, balance sheet controls, reconciliations and financial reporting risks.
• Have experience testing or reviewing controls, including assessing design and operating effectiveness.
• Can demonstrate strong attention to detail and ability to challenge evidence, assumptions and process weaknesses.
• Have experience documenting robust processes, risks, controls, issues and remediation plans clearly.
• Have good interpersonal and influencing skills, ability to engage across various internal functions to develop, get buy-in and deliver outcomes across teams
• Have the ability to confidently present data in a meaningful and effective way; understanding the needs of the end users and tailoring presentations to their requirements
• Have experience building strong trusted relationships with stakeholders at all levels

What’s in it for you

€91,000 - €111,500 + Incentive Awards tied to your performance

• This role will have a hybrid working model, based in our Dublin office 2 - 3 days a week. You will also travel to Monzo’s head office in 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 - 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

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.