Partner Risk Delivery Lead

🚀 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 ❤️

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📍UK Remote (with essential travel to our global offshore sites) | 💰£41,300 - £52,250 + Incentive Awards + Benefits ✨

Our Global Ops Team ⭐️

Monzo relies on partners across a growing global estate to deliver safe, resilient and consistent outcomes for customers. The Partner Risk Delivery Lead exists to turn our partner risk standards into consistent day to day practice, ensuring controls are understood, evidence is reliable and issues are followed through to closure.

You will work directly with partner account teams and risk leads, as well as colleagues across Global Ops, Operations, TPRM and specialist teams. You will independently own defined areas of partner risk delivery, investigate concerns and help partners embed Monzo’s expectations across every location and country we serve.

As Partner Risk Delivery Lead, you will independently operate the Partner Risk Management framework set by the Partner Risk Manager.

You will own agreed delivery areas from planning through to completion, maintain accurate records and evidence, challenge where standards are not met and escalate material concerns. The Partner Risk Manager will remain accountable for the overall strategy, standards, governance and material risk decisions.

🔑 You’ll play a key role by...

Risk records, controls and monitoring

• Maintain an accurate and joined up record of partner risks, controls, requirements, evidence, owners, actions, subcontractors and dependencies across the global partner estate.
• Support RCSAs and other risk assessments by gathering evidence, maintaining the partner risk position and ensuring changes in services, locations, controls or dependencies are reflected promptly.
• Coordinate the day to day delivery calendar for control reviews, evidence updates, assurance activity, resilience testing, reporting and agreed remediation deadlines.
• Deliver proportionate control reviews outside formal independent effectiveness testing, working with control owners and partners to confirm that controls remain fit for purpose, are understood and are operating as intended in practice.
• Identify controls that are unclear, outdated, inconsistently applied or no longer appropriate for the service being delivered. Agree routine actions within your delegated scope and escalate more material concerns to the Partner Risk Manager.
• Maintain partner risk indicators, control status, evidence refresh dates and agreed thresholds. Investigate unusual trends, missing information or emerging themes and turn your findings into clear actions or escalations.
• Apply the established framework consistently while recognising differences between partner locations, the countries where work is delivered and the countries and customers being served. Flag where local requirements or operating conditions require specialist interpretation.

Partner assurance and on site reviews

• Coordinate Global Ops input into TPRM supplier assurance activity, gathering complete evidence, operational context, known concerns and the appropriate operational contacts within agreed timescales.
• Work directly with partner account teams and risk leads to explain Monzo’s requirements, obtain supporting evidence, review agreed controls and drive actions through to completion.
• Review evidence critically, challenge incomplete or unclear responses and decline proposed issue closure where the agreed standard has not been met.
• Agree routine actions, accountable owners and target dates with partner and internal teams, maintaining clear records and escalating barriers or material delays.
• Maintain the records and supporting evidence from standard operational checks completed during Global Ops partner visits, including practical observations of physical access, desktop security and local control execution.
• Travel periodically to partner locations and independently complete more detailed operational risk reviews, prioritised according to partner criticality, incidents, control concerns and assurance findings.
• Ensure these reviews complement formal TPRM assurance rather than duplicating a full supplier audit, engaging TPRM where specialist advice or formal assurance is required.
• Maintain organised and accessible evidence so Global Ops remains ready for TPRM assessments, second line reviews, Internal Audit, External Audit, compliance assurance and relevant regulatory requests.

Issues, incidents and remediation

• Maintain a complete view of open partner risk issues, control gaps, assurance findings and remediation actions, ensuring owners, dates, dependencies and required closure evidence are clear.
• Own the detailed risk workstream for material partner caused or partner wide incidents, capturing the risk and control implications, coordinating specialist input and maintaining actions through to closure.
• Work with the relevant operational or relationship owner, who will continue to lead the delivery response, while ensuring the associated risks, controls and evidence requirements are fully understood and managed.
• Challenge progress where actions are delayed, the proposed response does not address the underlying risk or closure evidence is insufficient.
• Escalate control failures, missed commitments, repeat issues and barriers to remediation to the Partner Risk Manager and appropriate accountable owner.
• Ensure material incidents, assurance findings and control failures result in appropriate root cause analysis, lessons learned and updates to the relevant risks, controls, contracts, contingency plans or operating practices.

Contracts, onboarding and resilience

• Maintain a clear record of the most material contractual risk and control obligations, including the evidence required to demonstrate whether they are being met.
• Monitor compliance with these obligations and identify where requirements are unclear, outdated or not being delivered. Escalate gaps to the Partner Risk Manager and Relationship Management.
• Support the risk input required for contract amendments, renewals and change controls by gathering evidence, documenting gaps and confirming the practical requirements that need to be reflected.
• Help new partners, locations and services understand and embed Monzo’s established risk, control, evidence and assurance expectations during onboarding.
• Apply the standard onboarding and readiness approach rather than creating separate requirements for each partner. Coordinate evidence, identify gaps and track agreed conditions through to completion.
• Support material service changes, transitions and exits by applying the established risk readiness framework and ensuring actions, evidence and residual risks remain visible.
• Support the development, maintenance and testing of the partner component of the wider Operations business continuity and operational resilience approach.
• Coordinate partner input into resilience plans and exercises, maintain evidence of testing and ensure identified gaps and learning are translated into clear actions.

Reporting, collaboration and risk delivery optimisation

• Produce clear and timely reporting for partner risk governance, covering the current risk position, control performance, assurance activity, incidents, overdue actions, emerging themes and decisions required.
• Make sure reporting is supported by reliable source information and can be clearly explained to the Partner Risk Manager and wider stakeholders.
• Build constructive working relationships with partner account teams and risk leads, setting clear expectations, maintaining appropriate challenge and following actions through to completion.
• Work closely with Relationship Management, Strategic Partner Programmes and Delivery, Operations, TPRM, Legal, Procurement, Data Protection, Security, Finance and other specialist teams to obtain input and resolve identified gaps.
• Identify opportunities to optimise partner risk records, monitoring, evidence collection, control reviews and remediation tracking so that oversight remains clear, proportionate and reliable.
• Lead the implementation of agreed changes to risk processes, tools or ways of working within the strategy and standards set by the Partner Risk Manager.
• Own your delivery from start to finish with limited oversight, communicating progress clearly and escalating early where a risk, dependency or decision may affect the outcome.

🤩 We’d love to hear from you if…

• Essential experience of confidently building effective relationships with external partners and working directly with partner account teams, risk leads and operational leaders.
• Ability to travel within the UK and internationally when required and completing operational risk reviews in different cultural and operating environments. We currently have sites in India, Romania and South Africa, with plans underway for the EU.
• Strong organisation and planning skills, with the ability to manage multiple reviews, actions, evidence requests and deadlines while maintaining a clear view of priorities.
• The ability to independently own an area of work through its full lifecycle, from planning and investigation through to delivery, evidence and closure.
• Excellent attention to detail and the judgement to assess whether information and evidence are complete, consistent and credible.
• A curious and investigatory mindset, with the confidence to ask questions, test assumptions, identify root causes and follow concerns through to a clear conclusion.
• A willingness to challenge colleagues and partner stakeholders constructively where requirements have not been met, actions are not progressing or evidence is insufficient.
• Clear written and verbal communication skills, with the ability to turn detailed information into practical actions and concise updates.
• The ability to understand frameworks, controls, policies and contractual requirements and translate them into clear delivery expectations for internal and partner teams.
• Strong analytical skills, with the ability to review risk, control and performance information, identify trends and highlight areas requiring further investigation.
• A consistent and methodical approach to maintaining records, evidence, trackers and reporting so information can be relied on for governance and assurance.
• The ability to work effectively across different teams, partner locations, countries, time zones and operating environments.
• A proactive approach to solving problems and optimising risk delivery within the agreed framework, rather than waiting for detailed direction.
• A genuine interest in risk and controls and a willingness to build technical knowledge.

🌈 The application journey has 4 key steps:

• Application questions
• 30 minute Recruiter Call
• Practical take-home task
• Competency-based interview around Stakeholders and Values

🙌 What’s in it for you

💰 £41,300 - £52,250 + Incentive awards + Benefits ✨

📍Distributed working within the UK (with ad hoc meetings in London) and essential international travel to our offshore partner sites.

🏡 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.

Our average process takes around 4 weeks but we'll always work around your availability. You'll have the chance to speak to our recruitment team at various points during your process, but if you do have any specific questions ahead of this please contact ninaebanksmetcalfe@monzo.com

🤖 We have some guidelines on using Artificial Intelligence (AI) to ace an application and interview at Monzo. You can read them here.

Applications will close once a sufficient number of high-quality submissions are received, so early application is strongly encouraged.

#LI-REMOTE #LI-NEM

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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 😊