Senior Risk Manager

🚀 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 | 💰£85,000 - £105,000  + Incentive Awards tied to your performance + Benefits We’re looking for a talented and enthusiastic Technology Risk Senior Manager to join our growing Technology Risk Oversight team. You’ll play a pivotal role in ensuring the security and resilience of our technology estate, protecting our customers' data and maintaining the trust they place in us. You'll be working in a dynamic, fast-paced environment where you'll have the opportunity to make a real impact on how we manage technology risks. Responsibilities: * Risk Assessment and Analysis: * Proactively identify and assess technology risks across Monzo’s cloud-native infrastructure and applications. * Evaluate the effectiveness of existing controls and recommend improvements. * Analyse and interpret risk data to provide actionable insights. * Risk Management: * Contribute to the development and implementation of risk management frameworks and methodologies tailored to a modern, cloud-first environment. * Monitor and report on the status of risk mitigation activities. * Assist in the development of risk appetite statements and tolerance levels. * Reporting and Communication: * Communicate complex technical risk information clearly and concisely to both technical and non-technical stakeholders. * Prepare regular risk reports and dashboards for management. * Foster a culture of risk awareness across the organisation. * Continuous Improvement: * Stay up-to-date with the latest technology risks, security trends, and regulatory changes. * Contribute to the continuous improvement of risk management processes and tools. * Share knowledge and best practices with the team.  We’d love to hear from you if… * You have demonstrable experience in identifying, assessing, and mitigating technology risks within cloud-native environments, preferably in a banking environment. * You possess strong analytical and problem-solving abilities, capable of interpreting complex technical information and risk data to provide actionable recommendations. * You have excellent communication and stakeholder management skills, with the ability to articulate technical risk concepts to diverse audiences. * You have experience in contributing to the development and implementation of risk management frameworks and methodologies, and a good understanding of relevant regulatory requirements. 🙌What’s in it for you 💰£85,000 - £105,000 + Incentive Awards tied to your performance + Benefits 📍This role is based in London, with a hybrid working approach ⏰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 4 key steps * Short phone call with a member of the hiring team * Follow up video call with the Hiring Manager * Final stage 2-part Role Specific and Behavioural interview with members from the wider Risk and Compliance collective This process should take around 3-4 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. You’ll hear from us throughout the application process, but if you’ve got any questions, please reach out to business-hiring@monzo.com You can also use this email address to let us know if there’s anything we can do to make the process easier for you because of disability, neurodiversity or anything else. 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-TK1 ---------------------------------------------------------------------------------------------------------------------------------- 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 😊

Third Party Risk Analyst - London, 12 Months FTC Pay.UK maintains and develops the UK retail payment systems and standards that are core to the economy. From Bacs to Faster Payments and cheques, we act as the single operator for UK retail payments, working in the public interest to ensure safe, open, innovative and resilient systems. Pay.UK maintains and develops the UK retail payment systems and standards that keep the economy moving, processing over 11 billion transactions worth more than £10 trillion each year. In this role, you will build practical third party risk experience by working end to end on supplier assurance across systems that millions of people and businesses rely on every day. We are seeking a Third Party Risk Analyst to join our Procurement team on a 12 month fixed term basis, reporting to the Senior Third Party Risk Manager and supporting effective risk oversight across critical supplier relationships. ACCOUNTABILITIES The role incorporates the following key responsibilities. * Support end to end execution of supplier assurance reviews, including criticality assessment, supplier tiering and gap analysis. * Issue, manage and assess Third Party Assurance Questionnaires across key risk domains including cyber security, data protection, operational resilience and business continuity. * Evaluate supplier responses and evidence to assess control design and effectiveness, documenting findings and residual risk. * Produce clear Third Party Assurance Reports, including issues, remediation actions and timelines. * Act as Pay.UK’s operational point of contact with suppliers during assurance activity, including evidence collection and scheduling. * Engage internal subject matter experts to validate evidence, challenge responses and escalate issues where required. * Maintain accurate supplier and risk data within the GRC tool and provide first line support to suppliers. * Monitor the supplier threat landscape using external intelligence and data sources. * Support commercial managers by ensuring identified risks are addressed, tracked and closed. * Prepare regular functional risk reports that summarise supplier assurance results, key risk themes, and remediation progress, and present clear insights to governance forums to support informed decisions. QUALIFICATIONS, SKILLS AND EXPERIENCE To perform well in this role you will demonstrate the following experience and capabilities. * Degree or equivalent experience in a relevant field such as risk management, business, information security, procurement or law. * Understanding of third party risk management and UK regulatory expectations relating to outsourcing and supplier assurance. * Solid analytical skills with experience performing gap analysis and interpreting technical risk information. * Experience working in a controls driven environment with governance, audit and evidence based assessments. * Professional certifications are beneficial but not mandatory, including CTPRP, IRM, CRISC, CISSP, ISO 27001, CIPP/E or CIPS. PAY.UK BEHAVIOURS At Pay.UK, our behaviours are central to who we are and how we operate. They bring our values to life, shape our culture, and guide how we make decisions, collaborate, and respond to challenges across the payments ecosystem. All interview processes will assess the following behaviours: * Listen to Find Win-Wins - Empathy, Listening and Understanding * Influence with Courage - Influence, Courage * Go Horizontal First - Cross Boundary Collaboration * Take Ownership - Self Development * Opportunity Mindset - Initiative * Simplify - Achievement Orientation   ---------------------------------------------------------------------------------------------------------------------------------- INCLUSIVITY At Pay.UK, we value diversity and inclusivity. Research has shown that candidates from underrepresented groups may hesitate to apply unless they meet all the requirements listed. We encourage all qualified candidates to apply, regardless of how closely their skills and experience match the requirements. We are committed to supporting accessibility needs and creating a welcoming environment for all employees. Become part of our team and contribute to the creation of an inclusive work environment that values everyone's unique input. ---------------------------------------------------------------------------------------------------------------------------------- WHO WE ARE Pay.UK maintains and develops the UK retail payment systems and standards that are core to the economy being able to function on a day-to-day basis. From Bacs to Faster Payments and cheques – we act as the single operator for all UK retail payments. We put the needs of consumers and businesses at the heart of everything we do, working in the public interest to ensure that the systems the country relies on for its banking transactions are safe, open, innovative and resilient. Our payment systems underpin the services that enable funds to be transferred between people and institutions. In 2024, the UK's retail payment systems processed 11 billion transactions worth over £10 trillion through Bacs Direct Credit, Direct Debit, Faster Payments, and cheques, and our Current Account Switch Service has facilitated over 9 million switches since it’s launch in 2013. Every day, individuals and businesses use the services we provide to get their salaries, pay their bills and make online and mobile banking payments. Our vision for the future is to enable a vibrant economy, with Pay.UK delivering robust payment infrastructure and standards for the benefit of consumers and businesses nationwide. Learn more about life at Pay.UK by hearing what employees have to say, click here to view videos. ---------------------------------------------------------------------------------------------------------------------------------- BENEFITS & ADDITIONAL INFORMATION * 12% Non-contributory pension * Discretionary annual bonus * 30 days annual leave (excluding bank holidays) * Private medical insurance, life assurance, income protection, health cash plan, dental insurance, Bupa medicals etc * Employee assistance programme * Cycle to Work Scheme * Season ticket loan * Annual fitness subsidy of up to £500 per annum * Working from home policy - minimum 40% in the office (eg. 2 days in the office over a 5 day working week) Please note: * Some of our benefits are only available to colleagues after meeting the requirements of the probationary period. * Pay.UK employee benefits are not available to contractors and are only available to permanent and fixed-term employees.