
Monzo · Madrid
🚀 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 ...
🚀 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
[https://monzo.com/current-account/personal] and business [https://monzo.com/business-banking] bank accounts, we offer joint
accounts [https://monzo.com/current-account/joint-account], accounts for 16-17 year olds
[https://monzo.com/current-account/16-17], a free kids account [https://monzo.com/current-account/under-16s] and credit cards
[https://monzo.com/flex] in the UK, with more exciting things to come beyond. Our UK customers can also save
[https://monzo.com/savings], invest [https://monzo.com/investments]and combine their pensions [https://monzo.com/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 ❤️
📍Madrid, Spain | 💶 €53,400 - €65,000 + Incentive Awards tied to your performance + benefits | Hear from the team
⭐ About the role
Are you a dynamic problem solver who thrives on building things from scratch? In this role you will help design, build and run
Monzo’s European payments capabilities as we expand across Europe. You’ll be setting up and managing a multitude of partnerships,
leading complex implementation projects, building operational processes that are fit to scale globally, and working closely with
product and engineering teams across Payments and EU teams. You will own our Payments Product Operations in Spain, but will
support Monzo’s expansion efforts into new markets.
🔑 You’ll play a key role by...
🤩 We’d love to hear from you if…
🙌 What’s in it for you
💰A salary range of €53,400 - €65,000 + Incentive Awards tied to your performance.
📍This role will have a hybrid working model, based in our Madrid office 2 - 3 days a week. You may also be required to travel to
some of our other locations/offices, such as Barcelona and Dublin.
⏰ 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.
🏝 Annual Leave - 38 days including public holidays.
📚€1,200 learning budget each year to use on books, training courses and conferences.
🏥 Private healthcare scheme.
💛 Wellbeing benefits: financial education, women’s and men’s health support, mental health benefits, including coaching and
counselling.
🌈 The application journey has 3 key steps
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. [https://monzo.com/blog/the-ultimate-guide-on-using-ai-to-ace-an-interview-at-monzo]
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.
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
[https://monzo.com/blog/diversity-and-inclusion], 2026 Diversity and Inclusion Report
[https://monzo.com/blog/our-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 😊
Raisin is the world’s leading platform for savings and investment products. Founded in 2012, the FinTech connects consumers with banks in the EU, the UK and the US. This gives consumers better interest rates and banks a diversified form of refinancing. Our vision is to offer savings and investments without barriers and thus open up the global 160 trillion euro market. Raisin currently employs more than 800 people from over 75 countries worldwide. Today, the platform holds over 80 billion euros in assets from more than one million investors which have accrued over 5 billion euros in returns. Team The US Payments & Partner Operations (PPO) team owns the core money-movement stack for the Raisin US’ platform: ACH payment initiation, reconciliation, returns, and cut-off scheduling, plus the customer accounts lifecycle — bank linking, fraud signal integration, and identity verification. Beyond payments, the team manages the B2B layer: onboarding and configuring Deposit-taking Banks, service banks, and custodians, including their user/role management. It also covers invoicing data pipelines for Deposit taking banks, escheatment workflows for dormant accounts and visibility for operations and customer support through our internal platform portal. Your Responsibilities * Own and deliver features and bug fixes end-to-end with minimal guidance. * Identify and address bottlenecks in the team's delivery flow, from design to deployment. * Utilize AI tools intensively for increasing our ability and pace to deliver software. * Promote best practices around our core stack. * Transfer knowledge proactively, lead by example in learning and mentoring. * Contribute to improving how we program, test, review, and ship code. * Flag process gaps and propose pragmatic improvements. * Elevate engineers in growing their technical skills. * Provide constructive code review and solve complex problems together. * Quickly build practical depth in PPO's domains. * Contribute meaningfully to new feature design and implementation. * Bring engineering perspective into domain discussions alongside other team roles like Product Manager, Tech Lead and Engineering Lead. Your Profile We are looking for a versatile Senior Full-Stack Engineer with a deep, rock-solid foundation in the .NET and SQL Server ecosystem, who has the architectural maturity to adapt to other layers and the drive to learn the rest of our stack. Required: * Designing, optimizing, and maintaining robust enterprise APIs using .NET Web API. * Building and structuring web applications with .Net * Strong relational database design, complex querying, and performance tuning in SQL Server. * Design Patterns: A deep understanding of SOLID principles and a proven track record of writing Clean Code. * Structural Strategy: Practical experience working within modern architectural patterns, specifically Clean / Onion Architecture, to keep codebases decoupled and testable. * Fast Learner: You don't mind stepping out of your .NET comfort zone to touch a React component or a Go microservice. * Problem Solver: Highly analytical with a strong focus on detail and quality. * Collaborator: A team-first peer who thrives on open communication and cross-layer collaboration. Desired: * Experience building user interfaces with React JS, JavaScript, and HTML, accompanied by testing tools like Jest or React Testing Library. * Exposure to, or curiosity about environments like Node.js, GoLang, or Java / Spring Boot, and building APIs * Experience with GraphQL. * Working knowledge or conceptual familiarity with MongoDB or NoSQL Databases * Familiarity with NUnit for automated testing * Familiarity with secure authentication via OAuth and ASP.NET Identity. Join our mission, join our team – and grow with us! At Raisin, we care about each other and it is one of our top priorities to foster an open and caring environment in which everyone feels welcome and comfortable. Our culture is strongly driven by our ambitious team, which connects more than 75 different nationalities. As part of our team, you will benefit from: Raisin SE Spain * Employee Development Budget of €2,000 and four full training days per year. * Flexible working hours, home office and 28 vacation days. Raisin Applicant Privacy Policy [https://www.raisin.com/corporate/raisin-applicant-privacy-policy/] We value diversity and the unique experiences each individual brings. If you’re excited about this role but don’t meet every requirement, we still encourage you to apply. We are an equal opportunity employer and are committed to creating an inclusive environment for everyone, regardless of race, colour, ancestry, religion, sex, national origin, sexual orientation, age, citizenship, marital status, disability, or gender identity.
GROWE WELCOMES THOSE WHO ARE EXCITED TO: * Monitor that payment methods work properly, escalate issues to respective providers and teams; * Analyze acceptance rates of different payment methods/providers/cashiers and make decisions as to which payment method to enable/disable and which volumes to process on each; * Ensure sufficient available balance across different payment methods to process withdrawals, initiate top-ups, and analyze the cost structure of each method; * Review and create backup/contingency and emergency plans; * Create monitoring guidelines and procedures for monitoring and support teams; * Report daily and weekly payment activities and issues to the Head of Operations; * Assist with the integration of new payment providers/methods; * Suggest product/flow improvements (e.g., validation fields, placeholders on forms); * Handle requests from customer support; * Test new payment methods integrations/deployments; * Partner closely with the BI department to build, ensuring data-driven enhancements to all internal reporting and consistent tracking of critical business metrics. WE NEED YOUR PROFESSIONAL EXPERIENCE: * 2+ years as a billing/payments manager/support or similar role in online payments; * Confident in dealing with numbers and processing of financial/transactional information; * Advanced Excel and other MS Office software user; * Good understanding of online payments technical integrations, funnels, flows; * Experience in written and oral communication with foreign customers or partners; * Deep understanding of payment and transactional systems and services; * Upper-Intermediate English proficiency.; * Experience with the iGaming industry will be a plus. WE APPRECIATE IF YOU HAVE THOSE PERSONAL FEATURES: * Attention to details; * Multitasking and quick task execution; * Good level of communication skills; * Team player skills; * Ability to make decisions independently. WE ARE SEEKING THOSE WHO ALIGN WITH OUR CORE VALUES: * GROWE TOGETHER: Our team is our main asset. We work together and support each other to achieve our common goals; * DRIVE RESULT OVER PROCESS: We set ambitious, clear, measurable goals in line with our strategy and driving Growe to success; * BE READY FOR CHANGE: We see challenges as opportunities to grow and evolve. We adapt today to win tomorrow.
WHO ARE WE? iBanFirst is a fast-growing European fintech that is revolutionizing international payments for SMEs. Founded in 2016, our platform empowers Small & Medium Multinationals (SMMs) to regain control over their payment operations: currency conversion (FX), international transactions, and foreign exchange risk management across 140 countries — quickly, transparently, and securely. We make life easier for SMEs through an advanced technology platform (automation, APIs, AI…) combined with dedicated expertise, offering the best of both worlds: the agility of a SaaS solution and the reliability of a trusted partner. By simplifying complexity, iBanFirst helps thousands of bold companies seize global business opportunities with peace of mind — delivering simplicity, transparency, and security. KEY FIGURES * 350+ employees across 15 offices in 12 European countries * 30+ nationalities represented, average age: 32 * 10,000 corporate clients trust us * €80M in revenue in 2025, with a target of around €100M in 2026 * Profitable for more than two years * Ranked for 6 consecutive years in the Financial Times FT1000, among the fastest-growing European companies * An NPS of 87.5 — an exceptional score in our industry that reflects enthusiastic client feedback on the simplicity, speed, and quality of our service A STRONG CULTURE BUILT AROUND 4 CORE VALUES * Team First : The complexity of our industry demands collective intelligence. We prioritize cooperation, transparency, and knowledge sharing. Success is a team effort, and decisions are made together. * Tenacity : We’re transforming a challenging and highly regulated market. It requires endurance, fast learning, and resilience — qualities rooted in our entrepreneurial DNA. * Transformation : Innovation is not a buzzword; it’s a necessity in a constantly shifting and strategic sector. We innovate with intent: every technical, product, or organizational improvement is designed for real impact. * Trust : Trust is the foundation of everything we build — with our clients and, above all, internally. It’s driven by ownership, autonomy, and a shared commitment to transparency, rigor, and reliability. WHY JOIN US? * We operate at the heart of a strategic and fast-evolving sector: international payments for SMEs — a complex, high-potential market. * We’re driven by a meaningful mission: helping bold “Small & Medium Multinationals” succeed globally. * Our platform integrates cutting-edge technologies (AI, automation…), making it an ideal playground to test, learn, and innovate continuously. * You’ll join an agile environment where your expertise has tangible impact, working alongside talent from top financial institutions. * iBanFirst is profitable and backed by long-term investors: * Xavier Niel and Bpifrance, historical shareholders, have supported and trusted us from the beginning * In 2021, the entry of Marlin Equity Partners marked a new chapter in our international ambitions Joining iBanFirst means joining a profitable, international, fast-growing tech company. It’s also a chance to learn, grow, and contribute directly to a shared ambition: simplifying international finance for SMEs. THE ROLE RECRUITMENT CONTEXT This is a newly created position driven by iBanFirst's continued growth and the increasing complexity of our financial crime risk environment. As transaction volumes scale across new markets and products, we need a dedicated manager to lead our first line of defense teams on Financial Crime (Transaction Monitoring, Fraud detection, Regulatory Ops) and structure the quality and operational controls that underpin them. We are open to candidates coming from various backgrounds (management/strategy consulting, operations/compliance professionals) who are looking to step into a thigh impact operational role. The financial crime domain can be learned — we are hiring for how you think, how you build, how you leverage technology (analytics, AI) and how you lead. MANAGER & TEAM You will report directly to Julien Molez, Chief Operations Officer. You will manage three teams which are at different levels of maturity:a team of 5 people: a Transaction Monitoring Fraud management and Regulatory Operations. Your team is the first line of defense against money laundering, fraud, and financial crime — operating at the intersection of operational rigor, regulatory compliance, and technology. WHAT WILL YOU DO? As iBanFirst expands across European markets, the financial crime risk landscape grows in complexity. We are looking for an analytically sharp, structured, and operationally driven leader to supervise our TM Financial Crime Operations function, steer it with rigor and precision, embed it in a robust and recognized quality framework, and drive highest level of efficiency through data and automation. Team Management & Operations * Lead and develop the different teams in the scope: set priorities, manage performance, and build a culture of accountability and continuous improvement. * Oversee their daily operations: alert review, case investigation, SAR filing, and escalation processes. * Manage capacity and workload allocation to maintain SLAs and maintain backlogs at constant low levels. Fraud & Financial Crime * Own the fraud detection and prevention framework: typologies, detection rules, investigation workflows, and outcomes tracking * Stay current on financial crime trends and adapt the team's detection approach accordingly Controls & Quality Framework * Design and implement a quality insurance framework for each team, specific to each of them but consistent across domains. * Define and track KPIs: detection rates, false positive ratios, case resolution times, SAR quality. * Conduct regular calibration sessions and quality reviews to maintain consistent, high standards across the teams. Analytics & Automation * Use data to assess the performance of each value chains. For example, on the transaction monitoring side : rules effectiveness, reduce noise, and improve alert prioritization * Work with Product and Engineering teams to constantly improve underlying systems and integrate automation into workflows * Identify opportunities to leverage AI and machine learning to enhance detection and reduce manual effort Regulatory & Reporting * Ensure compliance with Belgian and EU AML/CFT obligations (LCB-FT, EU AML directives) * Produce clear, insight-driven reporting for senior leadership: what the data says, what it means, and what action it warrants * Lead or support regulatory audits and inspections related to TM and fraud * Be the key go-to person for C-Levels for these topics and lead the associated governance meetings. TASK BREAKDOWN 40% — Team management & operational oversight: Day-to-day leadership of the different teams, alert review quality, escalation management, and capacity planning 20% — Framework building: Quality controls, KPIs, fraud typologies, policies and procedures 30% — Analytics & automation: Rule performance analysis, detection improvement, collaboration with Product/Engineering 10% — Reporting & regulatory: Senior management reporting, audit support ROLE OBJECTIVES First 3 months * Ramp up on iBanFirst's transaction monitoring systems, financial crime risk exposure, and regulatory environment * Build trust with the team and assess individual strengths and development needs * Map existing processes and identify the top 3 priority areas for improvement First 6 months * Deliver the first version of the quality assurance framework * Define and baseline key operational KPIs * Launch at least one automation or efficiency initiative First 12 months * Own the fraud framework end-to-end and present it to senior leadership * Demonstrate measurable improvement in alert quality, team efficiency, or detection rates * Build a 12-month roadmap for the function aligned with iBanFirst's growth plans WHAT DO YOU BRING? EXPERIENCE: * 5-10 years of experience in similar positions at recognized financial institutions or in management consulting, strategy consulting, or a similar structured analytical environment (Big 4, MBB, Tier 2 strategy firms) * Experience in financial services, fintech, or a regulated industry project context is a strong plus * First exposure to compliance, risk, or financial crime topics (through client work, due diligence, or regulatory projects) is valued SKILLS: * Natural leadership and recognized management experience * Exceptional structuring and problem-solving skills: you break complex issues into clear frameworks and actionable plans * Strong data and analytics capabilities: comfortable with quantitative analysis, building dashboards, and deriving insights from operational data * Proven ability to design processes and quality frameworks from scratch * Natural project management instincts: you sequence work, track delivery, and hold people accountable * High proficiency on AI and automation concepts and enthusiasm to apply them in an operational context * Fluent in French and English, confident communicating with senior stakeholders NICE TO HAVE: * Hands-on experience with a transaction monitoring platform (ComplyAdvantage, Actimize, Napier, or equivalent) * Familiarity with the French or Belgian regulatory environment: NBB, CTIF, ACPR, Tracfin, LCB-FT WHAT MAKES YOU STAND OUT: * You have led a transformation or process redesign project end-to-end * You are energized by the idea of owning something operational, not just advising on it and transforming and optimizing it with technology * You are curious about financial crime and see it as a high-stakes, intellectually demanding domain WHAT DO WE OFFER? * Permanent contract (CDI) * Office location: Paris * Hybrid work policy: 2 days remote per week * Competitive salary: €75,000 – €110,000 gross annual, depending on experience * Benefits: * Swile meal card * Axa health insurance * Commuter benefits * RTT (extra paid days off) * Gymlib subsciption * Paid parental leave * Participate in company-wide events, including team offsites, company parties, and regular social activities. RECRUITMENT PROCESS 1. Screening call with Malorie Petitjean (Talent Acquisition Specialist)— 30 min, remote. General fit, motivation, salary expectations, availability. 2. In-depth interview with Julien Molez (COO)— 1 hour, in-person. Operational experience, leadership approach, team fit. 3. Case study— Take-home exercise on an operational design or process improvement scenario. Presented during complementary 1h session with COO. 4. Final interview with Sonia Boudier (Deputy CEO) — 45 min, in-person. Leadership validation, strategic vision, long-term fit. ____________________________ #LI-MP1 #LI-onsite / #LI-hybrid / #LI-remote