We’re waving goodbye to the complicated and confusing ways of traditional banking. 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. 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! Incentive awards tied to your performance and benefits.
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.




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.
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.
Supporting the delivery of comprehensive risk reports to the Board and Executive Committees.
Supporting executive governance committees through effective coordination, administration and continuous improvement of governance processes.
Providing committee secretariat support to ensure seamless escalation and regulatory compliance.
You have a proven track record working in risk management roles within financial services in heavily regulated environments.
You have strong knowledge of risk regulatory requirements from various European bodies, including the Central Bank of Ireland, EBA, ECB/SSM and Basel frameworks.




You have a strong knowledge of digital banking products, operations and associated risks.
You have excellent verbal and written communication skills, with the ability to influence and engage senior stakeholders.
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.
Studies show that women and people of colour might hesitate to apply unless they meet every single requirement. A base salary range of €53,000 – €65,000 and 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.
~ Adaptable 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.
~ Wellbeing benefits: financial education, women’s and men’s health support, mental health benefits including coaching and counselling.

We’ll only close this role once we have enough applications for the next stage. 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. You can read more in our blog, 2026 Diversity and Inclusion Report and 2025 Gender Pay Gap Report.
We don’t need full or birth names at application stage.
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📌 Manager, Risk & Compliance (Barcelona)
🏢 Monzo
📍 Barcelona