Monzo Europe is our Irish-based subsidiary and the home for Monzo’s expansion across the European Union. We’re seeking an experienced Enterprise Risk Manager to help grow safely and sustainably.
Role
This role is a Controlled Function (CF-2) within the meaning of the Central Bank Reform Act 2010. Appointment will be conditional on satisfying the Central Bank of Ireland fitness and probity standards. As a CF, the role holder must take reasonable steps to ensure relevant conduct standards are met.
Responsibilities
Work closely with first‑line teams to embed enterprise risk management activities across the organisation.
Coordinate and maintain the Risk Appetite Framework and Statement across the EU, ensuring it reflects the appetite for all material risks.
Lead the refresh of the enterprise risk identification and materiality assessment process, covering all material risks inherent to Monzo.
Execute the risk horizon scanning and emerging risk assessment process, coordinating detailed impact analyses across business lines to proactively identify and mitigate future risks.
Promote a strong enterprise risk culture by embedding risk awareness at all levels and delivering comprehensive training and awareness programmes.
Maintain the EU Risk Taxonomy and risk register, ensuring accurate classification and management of risks and controls.
Maintain the impact matrix, ensuring it accurately reflects the potential impact of identified risks.
Support the delivery of comprehensive risk reports to the Board and Executive Committees.
Assist executive governance committees through effective coordination, administration and continuous improvement of governance processes.
Provide committee secretariat support to ensure seamless escalation and regulatory compliance across the EU entity.
Embed Enterprise Frameworks, Policies and Standards in Europe, ensuring they are effectively implemented and reflect Monzo Group activities.
Qualifications
Proven track record working in risk management roles within financial services in heavily regulated environments.
Proficiency in Enterprise Risk Management tools and processes (risk frameworks, risk governance, risk assessments, risk appetite, risk reporting).
Strong knowledge of risk regulatory requirements from various European bodies, including the CBI, EBA, ECB/SSM and Basel frameworks.
Strong knowledge of digital banking products, operations and associated risks.
Excellent analytical, relationship management and communication skills.
Excellent verbal and written communication skills, with the ability to influence and engage senior stakeholders.
Ability to thrive in a fast‑paced environment, handling complexity with ease and communicating effectively.
Passion for financial technology and motivation to be at the forefront of banking transformation in Ireland and across the EU.
Benefits
Base salary range of €68,000 – €83,000 plus incentive awards tied to performance.
Hybrid working model based in Dublin with 3 days a week on site.
Flexible working hours with trust to work the necessary hours in a suitable schedule.
Annual leave of 34 days including public holidays (24 holiday days + 10 public holidays).
€1,200 learning budget each year for books, training courses and conferences.
Private healthcare scheme.
Pension scheme with a minimum contribution of 4% and Monzo matching additional contributions up to 6%.
Wellbeing benefits including financial education, women’s and men’s health support, mental health coaching and counselling.
Equal opportunities
We’re an equal opportunity employer. All applicants will be considered without attention to age, ethnicity, religion, sex, sexual orientation, gender identity, family or parental status, national origin, veteran, neurodiversity or disability status. If you have a preferred name, please use it to apply. We do not require full or birth names at the application stage.
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