The posting
🚀 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 ❤️
📍London/Cardiff/UK Remote | 💰£85,000 - £115,000 + Incentive Awards tied to your performance + Benefits ✨
This role sits at the heart of our Control Discipline change agenda, building the controls product platform that powers safe growth at Monzo.
At Monzo, we don’t treat risk and controls as a bureaucratic governance process. We treat our control framework, tools, and data pipelines as an internal product - designed to give engineers, product managers, and business leads the ability to ship fast - and safely.
We are looking for a Senior Controls Product Manager to join our newly established Controls Product & Enablement team within our Controls Discipline. Sitting at the intersection of Product, Risk, Data, and Engineering, you will act as the Product Lead for Monzo’s core risk lifecycles (Issues, RCSAs, Controls, Policy, Reg Traceability).
You won't just write requirement docs for someone else to build - you are a builder yourself. You’ll prototype low-code tools, leverage AI models, interrogate data pipelines, and architect automated workflows to turn manual risk friction into seamless, automated self-service.
⭐ Our Controls team
The role will sit within the Controls Product & Enablement team which is part of the wider Controls Discipline in Monzo’s 1st line of defence Our teams work closely with cross-functional teams across the organisation including Technology, Data, Product, Operations as well and Risk & Compliance (the 2nd line of defence).
As this is a newly established team (wherein you’ll have two direct reports already working in the team as data and automation specialists), this role holder needs to bring a flexible and adaptable mindset, as well as a willingness to deal with ambiguity as the team establishes its operating rhythm and embeds itself within the wider business.
🔑 What you’ll do (Your Product Ownership Scope)…
- Own the Controls Product Roadmap: Define the vision, strategy, and backlog for Monzo’s internal risk products, replacing static, manual cycles with smart, data-driven platforms (SmartSuite, Zango, Looker, and native AI integrations).
- Hands-on Prototyping & Automation: Directly design, prototype, and build automated workflows, API integrations, and low-code/no-code solutions. You'll take an idea from a problem statement to a working MVP before partnering with core Engineering (if necessary) to scale or industrialise it.
- Pioneer AI in Risk Management: Champion AI adoption across the discipline. Experiment with LLM prompting, custom agents, and automated evidence-gathering tools to solve complex control problems and dramatically reduce manual drag for Monzo staff.
- Build for Real-Time Risk Intelligence: Drive the shift from annual "point-in-time" assessments to continuous, automated monitoring. Design data triggers (e.g., incident spikes, change flags) that alert risk owners in real time.
- Product Enablement & Adoption: Ensure high-impact adoption. Work closely with first line risk owners and Risk Partners to deliver clear "write once" guidance, intuitive UI/UX workflows, and enablement that allows teams to self-serve effortlessly.
- Drive Execution & Delivery: Maintain momentum across the team’s delivery plan (guiding 2 specialised data/automation direct reports), keeping senior stakeholders engaged and removing blockers without bureaucratic overhead.
🤩 We’d love to hear from you if…
- You think like a Product Manager: You obsess over user problems, value vs. effort prioritization, user experience, and shipping MVPs quickly.
- You are a Hands-On Builder: You can get under the hood with data and automation. You're comfortable with SQL, Python (or similar), APIs, workflow tools, or low-code environments to build a working prototype yourself.
- You’re AI-Curious & Practical: You actively experiment with AI/LLMs to automate manual tasks and make workflows smarter.
- You Understand Risk & Controls: You understand fundamental risk concepts (control design, RCSAs, issue management) and see the massive opportunity to transform them through tech.
- You Thrive in Ambiguity: You enjoy starting from first principles in a fast-paced environment and turning messy operational problems into slick, scalable digital solutions.
- You have experience in leading teams through change programmes, ideally within Financial Services Controls functions.
- You are hands-on and take satisfaction in supporting colleagues, projects or tasks however big or small - and can take a range of stakeholders on the journey with you
- You’re excited by what we’re doing at Monzo
ℹ️ This role isn’t for you if…
- Your technology and data experience has primarily involved defining requirements for Data or Engineering teams to build, rather than building solutions yourself.
- You aren't comfortable getting hands-on with data, automation tooling and technical problem solving.
- You aren’t comfortable with ambiguity, or thinking from first principles
- You don’t enjoy working in a fast-paced environment
- You aren’t happy taking an MVP approach and doing what’s good enough for now with iterative changes to follow
- Equally, if your experience is primarily technical and you don't have sufficient understanding of risk and controls to translate control problems into effective solutions, this role is unlikely to be the right fit.
🙌 What’s in it for you
💰 £85,000 - £115,000 ➕Incentive Awards tied to your performance.
📍This role can be based in our London office, but we're open to distributed working within the UK (with ad hoc meetings in London)
⏰ 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.
📚 £1,000 learning budget each year to use on books, training courses and conferences.
🏡 We will set you up to work from home; all employees are given Macbooks and for fully remote workers we will provide extra support for your work-from-home setup.
➕ Plus lots more! Read our full list of benefits.
🌈 The application journey has 3 key steps
- Short call with a Monzo Recruiter
- Video-call with Hiring Manager (30 mins)
- Full-Loop: 3 x video-call interviews (covering Technical, Behaviours, and Leadership)
This process should take around 4-5 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.
⏳We’ll only close this role once we have enough applications for the next stage. Please submit your application as soon as possible to make sure you don’t miss out.
#LI-REMOTE #CM-1
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 😊
