Senior Machine Learning Scientist, Financial Crime

Our Machine Learning Scientists play a crucial role in Monzo's financial crime team, directly impacting profitability by mitigating fraud and scams, and contributing to customer safety and experience. Their work spans multiple financial crime domains, including fraud detection and prevention, transaction monitoring for suspicious activities, customer risk assessment, and the development of operational tooling.

• Automatically and accurately detect suspicious user behaviours while minimising impact to genuine customers and operational costs.
• Adapt quickly to changing fraud and financial crime trends to keep detection systems performant over time.
• Design machine learning solutions that scale globally.
• Collaborate as part of a multidisciplinary squad with Machine Learning Scientists, Data Scientists, Backend Engineers, Operations specialists, Product managers, and Risk managers; justify and demonstrate effectiveness of approaches in line with business and customer needs.

This role can be based in our London office, but we are open to distributed working within the UK with ad hoc meetings in London. We offer flexible working hours and trust you to work the right amount of time to do your job well, at times that suit you and your team. We provide a £1,000 learning budget each year for books, training courses and conferences. We will set you up to work from home with a MacBook; fully remote workers receive additional support for their setup.

• You have a track record of deploying advanced machine learning models tackling real business problems with demonstrable impact, preferably in a fast-moving tech company.
• You are impact-driven and own end-to-end projects from business problem to measurable production impact.
• You enjoy sharing knowledge and raising the technical bar across the team.
• You are a self-starter who proactively identifies issues and opportunities and tackles them collaboratively.
• You are excited by using advanced ML techniques to keep Monzo customers safe.
• You have production Python code experience and strong SQL; comfortable with them daily and keen to learn Go for backend microservices.
• You have experience developing and shipping deep learning, graph-based, or sequence-based ML architectures to production with business impact.
• You thrive on ambiguous problems and help your team and stakeholders resolve them.
• You have strong communication skills to explain complex technical concepts to non-technical stakeholders.
• You want to build a product that customers use, with a product mindset prioritising customer outcomes and data-informed decisions.
• You stay curious about fast-moving ML developments and can communicate ideas to colleagues outside the domain.
• You are adaptable and eager to learn new technologies and ideas.

• Experience helping a team shape the ML strategy of your area.
• Experience in financial crime, operations, and working in regulated institutions.
• Commercial experience writing production-ready code and working with microservices.
• Experience evaluating ML models in live environments, such as through A/B tests.

Cardiff, London or Remote (UK).

We’re on a mission to make money work for everyone. We solve real problems to change lives through Monzo. Listen to the UK team about working at Monzo.