Senior Fraud Operations Manager

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

Benefits offered by this job

Hybrid working

Learning budget

Pension scheme

Annual leave

Wellbeing benefits

Job summary

Monzo in Dublin is seeking a Senior Fraud Operations Manager to oversee outsourced partners and deliver data-driven fraud and disputes leadership. You will work across products, including current and business accounts, partnering with data science, data engineering, and technology teams to implement robust fraud controls.

The role emphasizes strategic oversight, SLA management, and hands-on execution, with a strong focus on reducing fraud risks and improving key metrics within the EU expansion

Qualifications

• In-depth data analysis expertise.
• Strong understanding of day-to-day fraud operations and models.
• Experience overseeing outsourcing partners and SLAs.
• Ability to drive action with product teams based on fraud metrics.
• Collaboration with data science, data engineering, product and tech teams.

Responsibilities

• Drive oversight of outsourcing partners for fraud and disputes operations.
• Monitor fraud and disputes metrics and work with product teams to address trends.
• Balance hands-on execution with strategic thinking to align teams with fraud vision.
• Help build and oversee tech-enabled fraud monitoring and alert systems.
• Support and produce committee packs for the Director of FinCrime, Fraud and Disputes.

Skills

Data analysis

Fraud operations

Outsourcing management

Stakeholder management

Cross-functional collaboration

Problem solving

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 Fraud Operations 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 fraud operations and deep knowledge of fraud, disputes, and chargebacks 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 fraud and disputes operations are operating effectively.
• Monitoring our fraud and disputes 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 fraud and disputes vision and strategy.
• Helping to build and oversee solutions with technology at the heart of our fraud monitoring mitigation strategies to cover the various fraud 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 Fraud 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

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