🚀 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 ❤️ ----------------------------------------   📍Barcelona or Madrid, Spain  | 💰 A base salary range of €53,000 - €65,000, Incentive Awards tied to your performance + benefits | Hear from the team ✨ ⭐Our Risk team Monzo Europe is our Irish-based subsidiary and the home for Monzo’s expansion across the European Union. Newly authorised and scaling across Europe, we’re building a bank that feels radically different: simple, transparent and genuinely customer-obsessed, and we’re looking for an experienced Enterprise Risk Manager to help us grow safely and sustainably. Enterprise Risk is at the centre of our risk governance, and this is a rare opportunity to work closely with teams across the business to develop and maintain enterprise risk management processes, standards and governance that are robust, pragmatic and enable innovation — balancing strong risk discipline with Monzo’s fast-moving, collaborative culture. The role you are applying for is a Controlled Function (CF-2) 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... * Working closely with first-line teams to ensure that Enterprise Risk management activities are effectively embedded across the organisation. * Supporting the coordination and maintenance of our Risk Appetite Framework and Statement across EU, ensuring it reflects our Attitude to Risk across all material risks. * Leading the enterprise risk identification and materiality assessment process refresh, covering all material risks inherent to Monzo. * Executing the risk horizon scanning and emerging risk assessment process, coordinating detailed impact analyses across business lines to proactively identify and mitigate future risks. * Supporting and promoting a strong enterprise risk culture across the organisation by embedding risk awareness at all levels of the bank and delivering comprehensive training and awareness programmes  * Maintaining the EU Risk Taxonomy and risk register, ensuring accurate classification and management of risks and controls. * Maintaining the impact matrix, ensuring it accurately reflects the potential impact of identified risks. * Supporting the delivery of comprehensive risk reports to the Board and Executive Committees. * Supporting executive governance committees through effective co-ordination, administration and continuous improvement of governance processes. * Support the end-to-end risk governance flow across the EU entity, providing committee secretariat support to ensure seamless escalation and regulatory compliance. * Embedding Enterprise Frameworks, Policies and Standards in Europe, ensuring they are effectively implemented and take account of Monzo Group activities. 🤩 We’d love to hear from you if… * You have a proven track record working in risk management roles within financial services in heavily regulated environments. * You have proficiency in Enterprise Risk Management (ERM) tools and processes (Risk Frameworks, Risk Governance, Risk Assessments, Risk Appetite, Risk Reporting, etc.). * You have strong knowledge of risk regulatory requirements from various European bodies, including the CBI, EBA, ECB/SSM and Basel frameworks. * You have a strong knowledge of digital banking products, operations and associated risks. * You have excellent analytical, relationship management and communication skills. * You have excellent verbal and written communication skills, with the ability to influence and engage senior stakeholders. * You thrive in a fast-paced environment, handling complexity with ease and communicating effectively. * You are passionate about financial technology and motivated by the opportunity to be at the forefront of banking transformation in Ireland and across the EU. 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 base salary range of €53,000 - €65,000 ➕ Incentive Awards tied to your performance. 📍This role will have a hybrid working model, based in our Barcelona/Madrid office 2 - 3 days a week, however, you will be expected to travel to Monzo’s head offices in Dublin and/or London from time to time. ⏰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 4 key steps * An introductory call with a member of the Monzo Recruitment team * An initial call with the hiring manager * A set of role specific and behavioural interviews * A final call with the a member of the Executive team 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.  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 😊