Senior FinCrime Operations Manager

Monzo; Dublin; Hybrid; EUR 77,000 - 96,000; Full time

Benefits offered by this job

Hybrid work

Learning budget

Pension plan

Wellbeing benefits

Annual leave 34 days

Travel to London

Job summary

Monzo is seeking a Senior Financial Crime Ops Manager to join our Dublin EU team. You will oversee outsourced partners, ensure SLA performance, and drive data-driven decisions across FinCrime, AML/CTF and onboarding rules.

The role blends hands-on execution with strategic leadership, requiring deep transaction monitoring expertise and collaboration with data science, product and tech teams. This hybrid Dublin role includes travel to Monzo's London head office and a commitment to delivering

Qualifications

• In-depth data analysis expertise.
• Strong understanding of daily fincrime operations including AML/CTF, screening and onboarding rules.

Responsibilities

• Oversee outsourcing partners for FinCrime Operations and ensure SLA performance.
• Monitor FinCrime metrics and drive action with product teams.
• Collaborate with 2LOD, MLRO and other stakeholders to address risks.
• Lead automated screening, onboarding and transaction monitoring initiatives.
• Prepare committee packs and support change implementation.
• Coordinate with third-party vendors for high delivery and performance.

Skills

Data analysis

AML/CTF

Transaction monitoring

Outsourcing management

Stakeholder management

Cross-functional collaboration

2nd line of defence coordination

Vendor partner collaboration

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.

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 | €76,500 - €95,500 + Incentive Awards tied to your performance + benefits | Hear from the team

Our FinCrime, Fraud and Dispute Operations team

Reporting to the EU Director of FinCrime, Fraud and Dispute Operations, we're looking for a Senior Financial Crime Ops Manager to join our fast-growing EU team here in Dublin. You will need to oversee our outsourced partners, holding them accountable for SLAs and performance. This position requires in-depth data analysis expertise and a strong commitment to data-driven decision making, alongside a solid understanding of day-to-day fincrime operations and deep knowledge of transaction monitoring, AML/CTF, screening, and onboarding rules and models implementation. You will work across different areas and products including our current and business accounts and partner with our group data science, data engineering, product, and technology teams.

• Driving strategic partners oversight: Ensuring that our outsourcing partners for FinCrime Operations are operating effectively.
• Monitoring our FinCrime metrics and driving action delivery with our product teams to address the trends.
• Combining hands-on execution with strategic thinking to align cross-functional teams with our FinCrime, AML/ CTF vision and strategy.
• Helping to build and oversee solutions with technology at the heart of our screening, onboarding and transaction monitoring mitigation strategies to cover the various typologies using automated alerts.
• Supporting the Director of FinCrime, Fraud and Disputes operations with producing Committee packs.
• Supporting and managing the oversight of change implementation, making prioritisation calls of those initiatives.
• Working closely with the second line of defence and our Money Laundering Reporting Officer (MLRO) to complete assurance activity, identification and remediation of any actions.
• Collaborating across the company to remove roadblocks and solve complex challenges relating to Monzo's EU expansion.
• Supporting 3rd line of defence with auditing activities.
• Being an excellent partner to our third party vendors, unblocking and empowering their teams for high delivery and high performance.
• You excel at leveraging robust data insights and analytics to drive strategic decision-making.
• You are a problem solver who takes initiative to create a high impact for stakeholders.
• Excel at stakeholder management and coordination across multiple teams.
• You have previous experience of achieving results through 3rd party/outsourcing management and you're excited about working in a cross-functional team with engineers and data scientists to empower third party vendors' success.
• You have previous experience leading and managing FinCrime operations in payments or banking.
• You enjoy partnering with 3rd party vendors, data scientists, and second line of defence (2LOD) to proactively mitigate and respond to existing and emerging fraud trends.
• You understand the Financial crime, money mulling risks of the various products and services operating in the fintech space.
• You champion the use of automated processes to find more efficient ways of working.

What’s in it for you

A salary range of €76,500 - €95,500 + 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

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 3 key steps

• An introductory video call with a member of the Monzo Recruitment team
• An initial video call with the hiring manager
• A series of role specific, behavioural & leadership principles interviews

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.

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.