Senior Fraud Risk Manager (Fully Remote)

Monzo; United States; Remote; USD 145,000 - 187,000; Full time

Benefits offered by this job

Equity

Incentive awards

Learning budget

MacBook provided

Remote work setup support

Job summary

Monzo is a digital bank on a mission to make money work for everyone, offering personal and business accounts, savings, investments, and more. The Senior Fraud Risk Manager will lead a global Fraud & Disputes Risk team, shaping strategy, controls, and investigation processes across current accounts, business banking, and international accounts.

You’ll collaborate with cross-functional squads, coach high-performing teams, and ensure compliance with UK & EU regulations while delivering scalable

Qualifications

• Proven track record leading fraud strategy and risk teams in regulated environments.
• Experience delivering end-to-end fraud control projects at scale.
• Able to develop and coach high-performing teams.

Responsibilities

• Lead fraud strategy and risk program for current accounts and international accounts.
• Design and implement scalable fraud controls and investigation processes.
• Collaborate with cross-functional squads and lead people.

Skills

Fraud risk leadership

Regulatory knowledge (UK/EU)

Cross-functional collaboration

Coaching & team development

Education

ICA/Cifas/ACAMS/CFE certification

Job description

• Monzo is waving goodbye to traditional banking, making money work for everyone with a range of products from personal and business accounts to savings, investing, and pensions.
• We're proud of our hot coral cards, get-paid-early feature, and award-winning customer service that creates magical moments for our customers.

The Role:

• As a Senior Fraud Risk Manager, you'll lead the charge in keeping fraudsters at bay, working across current accounts, business banking, and international accounts.
• You'll help lead our fast-growing global Fraud & Disputes Risk team, collaborating with cross-functional squads to design smooth, effective fraud controls and investigation processes.
• Your core focus areas include fraud strategy, control framework, threat intelligence, cross-functional coordination, and people leadership.

What We're Looking For:

• Strong experience leading fraud strategy and risk teams in a fast-moving, regulated environment, with deep knowledge of UK & EU fraud regulations.
• Skilled at building tech-driven fraud strategies that scale, with a track record of delivering end-to-end projects and large-scale change programs.
• An empathetic communicator and supportive coach who loves developing high-performing teams, with a relevant industry qualification (such as ICA, Cifas, ACAMS, or CFE).
• £108,700 - £140,000 salary plus equity, incentive awards, and a £1,000 annual learning budget for books, courses, and conferences.
• Flexible working hours, Macbooks, and full work-from-home setup support for remote workers.
• A positive, inclusive culture with a focus on personal and professional development.

Monzo

Monzo is a digital bank on a mission to make money work for everyone, offering personal and business accounts, savings, investments, and more. With over 10 years in the UK and a growing team, they are known for their customer-centric approach, award-winning service, and innovative financial products.