Technology and Operational 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 ❤️

📍Dublin, Ireland | 💰**€92,000 - €116,000, Incentive Awards tied to your performance ➕ benefits**| Hear from the team ✨

⭐ Our Risk team

We are looking for an Operational, Technology and Information Security Risk Senior Manager in the second line of defence to provide independent oversight, challenge and advisory support on the effectiveness of our operational, technology, resilience and information security risk management practices across the EU. 

You will be a key member of the second line risk management team and work closely with senior stakeholders across first line technology, information security and operational resilience, to ensure risks are proactively identified, assessed, monitored, and managed in line with Monzo's risk management framework and appetite.

This role requires a proactive and strategic mindset, strong technology risk management expertise, and a deep understanding of operational resilience and digital banking operations. 

This role reports to the Director of Operational Risk, Monzo Europe.

The role you are applying for is a Controlled Function within the meaning of the Central Bank Reform Act, 2010. For this role, appointment will be conditional on Monzo being fully satisfied that the appointee meets the requirements as set out in the Fitness and Probity Standards issued by the Central Bank of Ireland. As a CF, the role holder will be subject to Conduct Standards under the Central Bank of Ireland Individual Accountability Framework (IAF) and will be required to take reasonable steps to ensure that the relevant conduct standards are met.

 🔑 You’ll play a key role by...

• Acting as the second line subject matter expert for operational risk, technology (ICT and security risk (including cyber)), and operational resilience.
• Reviewing and challenging the design and effectiveness of controls over key technology systems, digital infrastructure.
• Providing effective oversight and challenge of first line risk and control self-assessments (RCSA), incident management and reporting, issue remediation and risk mitigation processes.
• Providing second line input into our technology and security strategies and business continuity planning.
• Supporting the ongoing development and maintenance of our Operational Risk Management Framework (ORMF), policies, standards and associated ICT,  Security and Resilience policies and risk appetite metrics.
• Co-ordinating second line assurance reviews and risk deep dives into critical operational and technology areas, providing actionable recommendations and insights.
• Overseeing ongoing compliance with  the digital operational resilience act (DORA) in the EU and ensuring alignment  with applicable local regulatory standards.
• Preparing operational and technology risk reports and providing updates to relevant governance forums, including risk committees and senior management.

 🤩 We’d love to hear from you if…

• You have 8+ years’ experience in operational risk, technology risk or related roles in financial services, ideally within a digital or challenger bank, or a pan-European firm. 
• You have a deep knowledge of risk management practices, regulatory expectations, and industry standards related to operational risk, technology and operational resilience. (e.g. EBA Guidelines on ICT & Security Risk Management, DORA, Central Bank of Ireland Guidance on Operational Resilience, General Data Protection Regulation (GDPR), Payment Service Directive (PSD2/PSD3)).
• You have a strong understanding of digital banking technology, including cloud computing, cybersecurity, fintech integrations and data management.
• You have experience in evaluating and challenging risk and control environments, particularly in high-growth or fast-changing environments.
• You are an ambitious risk professional ready to leave the constraints of legacy firms behind. This role places you at the cutting edge of technology and operational risk, challenging you to define the governance needed for our next-generation platforms.
• You have strong analytical, problem-solving and project management skills.
• You have excellent stakeholder management and communication skills, with the ability to influence senior leadership. 
• You have a proven ability to navigate complex stakeholder landscapes such as working with regulators/managing regulatory engagements.

Not ticking every box? That’s totally okay! Studies show that women and people of colour might hesitate to apply unless they meet every single requirement. At Monzo, we’re dedicated to creating a diverse and welcoming team. If you’re passionate about this role and keen to learn and grow with us, we encourage you to apply— even if you don’t have everything that's listed just yet. Drop us your application, we’d love to hear from you!

🙌What’s in it for you

💰 A salary range of €92,000 - €116,000 ➕Incentive Awards tied to your performance.

📍This role will have a hybrid working model, based in our Dublin office 2 - 3 days a week.

⏰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 - 34 days including public holidays (24 holiday days + 10 public holidays)

📚€1,200 learning budget each year to use on books, training courses and conferences.

🏥Private healthcare scheme

💰Pension scheme: the minimum contribution is 4% and Monzo matches any additional contributions that you make up to a maximum of 6%

💛Wellbeing benefits: financial education, women’s and men’s health support, mental health benefits, including coaching and counselling

🌈 The application journey has 4 key steps

• An introductory call with a member of the Monzo Recruitment team
• An initial call with the hiring manager
• A series of role specific and behavioural interviews
• A final call with Monzo Bank Europe's CRO

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.

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. 

If you're successful in applying for this role, we'll work with you to find a start date. In some cases, there might be a delay in when you can be released from your current role so that we can make sure things continue to run smoothly. We’ll be sure to communicate this with you and keep you updated.

#LI-ÉS1

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 😊