Senior Product Manager, FinCrime

🚀 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 | 💰 £105,000 - £135,000 + Benefits ✨

⭐Our Fincrime Collective

The Fincrime Collective exists to keep customers safe from fraud and financial crime, and to stop criminals from committing financial crime or laundering the proceeds of it. Our north star is to be the most trusted bank, meaning that customers trust us to keep them safe, and customers and regulators trust that we’ll stop and pursue criminals.

We are looking for a Senior Product Manager to work in our Fincrime Collective.

Your mission is to build and provide world class tech-led toolings, through more automation, usage of GenAI, and process redesign, to empower our Investigators and help Monzo achieve scalable and sustainable growth. You’ll drive efficiency gains, while maintaining or improving decision quality, and ensuring a seamless customer experience.

What You’ll Be Working On:

• Optimising Fincrime Investigation Workflows: Reduce handling time while maintaining or improving decision accuracy, particularly for high-effort tasks
• Scaling Automation & AI-first Solutions: Drive towards 100% automation where human intervention is only required in complex cases or when necessary for customer experience.
• Enhancing Tooling for COps (Customer Operations): Improve existing tools and build new solutions to reduce manual efforts, increase efficiency, and streamline investigations.e.g. Reduce reliance on outside tools by integrating more workflows into BizOps (our internal tooling) and improving usability
• Improving Demand Forecasting & Workforce Planning: Enhance forecasting capabilities to support central Workforce Management (WFM), optimizing capacity planning and scheduling to drive cost savings and improve customer experience (e.g., reducing idle time and customer wait times).
• Driving Cultural & Process Improvements: Improve investigator incentives, skills leveling, and training to create a more efficient and high-performing team.

Your day to day work:

• Identify opportunities for efficiency improvements without compromising quality of decision & customer experience
• Lead a cross functional squad, across risk, engineering, data, machine learning, and operation to develop and deliver on the strategic product roadmap
• Build new toolings and/or improvements to existing toolings to help COps improve their efficiency
• Collaborate closely with our Ops Collective to deliver improvements to forecasting & planning; so that we have the right people, at the right place and the right time
• Act as the central point of execution for our strategy/ vision to move towards building AI-first solutions such that our scale accelerates risk reduction

You should apply if:

• Proven experience in product management, ideally within fintech or scale up companies, working in complex, ambiguous problem spaces where the tech is changing rapidly
• Strong understanding of automation, AI-driven tooling, and operational efficiency improvements
• Experience working with cross functional teams, especially operational teams to deliver impactful solutions
• Ability to make decisions balancing difficult trade offs e.g. balance speed vs. accuracy, while maintaining a seamless customer experience
• A data-driven mindset, with experience using insights to drive product decisions and measure success
• Comfortable working on data-led, complex technical products - with ML engineers

🙌What’s in it for you

💰 £110,000- £135,000 ➕ Incentive rewards tied to your bonus

📍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

• Recruiter Call (30m): High-level fit and career trajectory.
• Initial Call (45m): Deep dive into your relevant experience and motivation for the job.
• Final Loop (3x1hr): Interviews covering a Project Walkthrough, Case Study, and Leadership.

This process should take around 2-3 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.