Job Description

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

London | £70,600 – £95,500 + Incentive Awards tied to your performance + Benefits

Our finance team

Monzo is looking for an experienced, highly proactive, and commercially-minded Financial Reporting Manager to deliver EU financial reporting, and help us build a world-class finance function as we expand further into Europe. Reporting to the EU Financial Controller, this role would deliver high-quality financial reporting, strong financial governance, and scalable processes in support of our fast-growing, tech-driven EU expansion.

This role would be well suited to a qualified Chartered Accountant with an audit background, either recently promoted to manager at an audit firm or with solid experience working at a public interest entity, ideally a retail bank.

We have some really exciting challenges as we continue to expand into the European Union, as well as continuing to grow our UK customer base and business. You’ll work on scaling Monzo in a controlled way, while helping us optimise our financial reporting processes with the help of technology.

You’ll play a key role by…

• Overseeing monthly, quarterly and annual financial reporting processes for Monzo EU, including oversight of the service provision under the Inter-Group Operating model from the UK to the EU.
• Ensuring compliance with IFRS and company accounting policies, leading the implementation of new accounting standards and disclosure requirements.
• Supporting the production, review and delivery of the MBEU annual report and external financial reporting.
• Working with our external auditors during audits.
• Maintaining internal controls over financial reporting (ICFR), protecting our financial data and our balance sheet substantiation process.
• Managing and mentoring more junior team members involved in the reporting process.
• Contributing to strategic projects including supporting the EU Financial Controller and EU CFO with the requirements of the EU expansion programme, coordinating with the expansion programme as well as ensuring Finance processes are set up in a well controlled and timely fashion. 
• Collaborating with the MBEU team based in the EU, FP&A, regulatory, tax, treasury, and other cross-functional teams to gather data and align reporting.
• Working with our engineers and data teams to automate the production elements of this role, allowing you to focus on the parts of the role where your knowledge and skills provide the most value.
• Supporting the CFO and EU Financial Controller with leadership team board compliance obligations and related ad hoc activities
• Supporting our finance control team to ensure a swift month-end close process, particularly those around complex areas such as share options, provisions and financial instruments. 
• Driving continuous improvement in reporting, reconciliations, and controls using modern finance tools and methodologies.
  

We’d love to hear from you if…

• Experience : You’re a qualified chartered accountant (ACA or CA) with an audit background and have minimum 3 to 4 years post qual experience.
• Relevant Industry Experience : You have been promoted to manager and ideally have had some experience in financial reporting and control outside of practice. 
• Technical Accounting Expertise : You have strong technical accounting knowledge (IFRS) and experience working with statutory audits.
• Banking background (preferred): You’re fascinated by the banking and regulatory landscape, and have a good understanding of key financial controls with experience gained preferably in a retail bank.
• Communication: You have excellent communication and stakeholder management skills, including engagement with senior management and auditors.
• Technology: Highly comfortable with leveraging data to automate reporting and drive efficiency; Skills such as SQL are a bonus.
• Adaptability and resilience: Demonstrable ability to thrive in a fast-paced, tech-led, and agile environment.

What’s in it for you

70,600 – £95,500 Incentive Awards tied to your performance.

This role will be based in our London office on a hybrid working pattern.

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. 

£1,000 learning budget each year to use on books, training courses and conferences.

We will set you up to work from home; all employees are given Macbooks and for fully remote workers we will provide extra support for your work-from-home setup. 

Plus lots more! Read our full list of benefits .

The application journey has 4 key steps

• A call with the Recruitment Team 
• Initial Interview with the Hiring Manager 
• 2 stage interview loop – Role Specific & Behavioural 

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.

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

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