Finance Internal Controls Analyst

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/Cardiff/UK Remote | £48,500 - £57,500 + Incentive Award tied to performance  Benefits |Hear from the team

⭐ Our Finance team

We're looking for a highly proactive, enthusiastic Finance Internal Controls Analyst. We have some exciting initiatives ahead, including supporting Monzo in ensuring that its controls and processes remain robust and well-maintained, driving control analytics and root cause analysis, helping recommend process improvements to the Bank and working cross collectively to really add value to the internal controls framework.

You’ll work on helping monitor and improve controls, perform process walkthroughs, support internal and external audits on controls validation and help design effective controls performance reporting. You’ll join the Finance team and report to our Senior Internal Controls Manager.

You’ll play a key role by...

• Providing guidance and managing key financial controls across Monzo, delivering valuable insights and improvements.
• Enhancing and maintaining  Finance’s internal control framework.
• Supporting control remediation projects and provide expertise where required. 
• Supporting in the identification of automation opportunities in BAU processes and reporting.
• Coordinating reporting to management and senior stakeholders on the effectiveness of the financial control framework.
• Providing guidance and support to the business in demonstrating that the appropriate control environment is in place, particularly with ERP changes and various expansions.
• Performing deep dives and reviews to evaluate and improve Monzo’s first-line financial control environment, ensuring readiness for strategic initiatives.
• Working closely with our first and second lines of defence to enhance Monzo’s risk, controls and governance frameworks.
• Supporting the overall finance team wherever needed - from drafting action plans for control gaps to drafting finance policies and manuals.
• Providing finance training and development to both non finance and finance professionals.

We’d love to hear from you if…

• You’re a qualified accountant or soon to be qualified accountant with experience working in internal controls, preferable in financial services or related industries, including Big 4 or similar. 
• You have Internal controls/internal audit/SOX 404 technical background (knowledge of SAP and or Blackline a bonus!). 
• You have a great eye for detail and you are a problem solver. 
• You enjoy working with different people, cultures and opinions. 
• You’re fascinated by the banking and control landscape and have a good understanding of key financial controls.
• You’re interested in using data and programming (Looker, SQL, Big Query, Dashboards skills would be a bonus).
• You’re a self-starter and enjoy tackling what needs doing
• You’re a strong communicator who is able to translate complex technical information into something that is easy for all audiences to understand.
• You thrive in a dynamic and constantly evolving environment.
• What we’re doing at Monzo excites you!

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

£42,500 - £57,500 Incentive Award tied to performance.

This role can be based in our London office, but we're open to distributed working within the UK (with ad hoc meetings in London)

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 3 key steps

• Recruiter Call
• 2 Stage formal interview loop including a Role Specific Round and Behavioural Round  

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.

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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