Machine Learning Manager, Fincrime

• Lead ML specialists across different seniority levels in Monzo's Fraud group, reporting to the Senior ML Manager for the FinCrime Collective. • Help the team build, ship, and improve models that spot risk, make better decisions, and keep customers safe from scams, stolen-card fraud, and account takeover. • Create the conditions for high-quality ML delivery across the full model lifecycle — development, deployment, monitoring, governance, and ownership. • Partner with PMs, Risk Partners, Engineering Managers, Data Managers, and senior ML colleagues to shape roadmaps and unblock delivery. • London, Cardiff, or fully remote within the UK, with ad hoc meetings in London.

• Experience managing Machine Learning specialists and delivering through others. • Strong ML judgement across the full model lifecycle — problem framing, feature and model development, deployment, monitoring, governance, and iteration. • Comfortable working in ambiguous, high-impact problem spaces where there often isn't one right answer. • Able to build trusted relationships with Product, Risk, Engineering, Data, and senior stakeholders. • Focuses on outcomes over process, prioritising work that protects customers and moves the business forward. • Knows what good looks like for production ML systems and can raise the bar through coaching, review, and pragmatic decision-making. • Communicates clearly with both technical and non-technical audiences, especially when explaining trade-offs and risks. • Cares deeply about building inclusive teams where people with different experience levels can grow and do high-quality work sustainably.

• Experience in fraud, financial crime, risk, regulated environments, or customer protection. • Background working on ML systems with explainability, reproducibility, and observability requirements. • Experience contributing to hiring or improving ways of working across a broader ML or Data discipline.

• Manage, coach, and develop a team of Machine Learning specialists through regular 1:1s, clear feedback, and thoughtful development plans. • Help the Fraud group focus ML effort on the highest-impact problems, balancing customer protection, regulatory expectations, and delivery pace. • Partner with PMs, Risk Partners, Engineering Managers, and Data Managers to shape roadmaps, unblock delivery, and make clear trade-offs. • Create the conditions for high-quality ML delivery: model development, deployment, monitoring, governance, documentation, and ownership across the full model lifecycle. • Hold a high bar for ML excellence in Fraud, including model performance, explainability, reproducibility, observability, and safe operation in production. • Ensure ML products are owned, maintained, and improved over time rather than treated as one-off projects. • Build a strong team culture of feedback, learning, and effective cross-functional collaboration. • Contribute to the wider ML and Data discipline at Monzo, including hiring, improving ways of working, and sharing patterns that help other teams.

We have been Monzo customers for years and have always loved their beautiful, simple app UI. We believe their product has a positive impact on millions of customers, motivating them to be more conservative with their spending and helping them save money. Monzo, as a company, has consistently grown over the past 10 years and is known for its strong company culture, generous benefits, and leadership that strives to be truly transparent and cares about its colleagues. It is a company that helps you advance your career and grow as a professional, working with great teams. If you like to join a thriving, upcoming bank and help millions of customers lead a financially sound life, Monzo gives you the opportunity to push ahead.

• Salary of £113,200–£153,200 plus performance-based incentive awards. • Visa sponsorship available. • Relocation support to the UK available. • Flexible working hours — work in a way that fits your life. • £1,000 learning budget each year for books, training courses, and conferences. • Full home working setup provided, including a MacBook. • London, Cardiff, or fully remote within the UK, with ad hoc meetings in London.

Monzo is on a mission to make money work for everyone. Its Financial Crime and Fraud team builds ML controls that protect customers from scams, stolen-card fraud, and account takeover — working closely with Product, Risk, Engineering, and Data to turn ambiguous fraud problems into reliable, measurable controls.