Senior Treasury Risk Officer in London

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. 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 ️ð London | ð 93,500 - 115,000 depending on experience + Incentive Awards tied to your performance + Benefits | Hear from the team Our Treasury teamWe are seeking a high-impact, technically-minded Senior Treasury FX Manager (UK) to lead the evolution of Monzo's global FX strategy. you will be the architectural bridge between Treasury, Data, Product and Engineering squads, building a highly scalable, automated execution environment.You will oversee Treasury FX risk management and hedging strategies - including the in-housing of FX to unlock new revenue streams. As we scale, you will design a global, multi-entity FX framework and drive efficient internal risk aggregation. Additionally, you will support the broader Treasury Markets squad with core structural hedging and liquidity investment management. Designing and implementing an automated execution environment to optimise netting and minimise hedging costsDeveloping and maintaining relationships with external liquidity providers to drive efficient pricing and optimal liquidityArchitecting data-driven FX hedging strategies in partnership with Data, Product and Engineering to unlock new revenue streamsTaking ownership of the FX execution framework, proposing enhancements to policies, controls and systemsExpanding Monzo's global currency footprint, leading Treasury readiness for new markets and ensuring robust risk controls within a global multi-entity FX frameworkOptimising capital efficiency by managing FX exposure against business risk tolerance while supporting FX product growthPartnering directly with Product squads on new FX product launches, and collaborating with Engineering and Data squads to enhance core internal FX capabilitiesCollaborating with stakeholders across finance, second & third line defence to ensure safe and scalable growthð We'd love to hear from you if you have...Demonstrable experience in a high paced, high-flow FX environment (whether at a bank, asset manager, broker or payment company), covering a broad range of currenciesProven proficiency in executing and managing live exposure across spot, forwards, swaps, and NDFsA future-focused mindset, for example interest in how blockchain and distributed ledger technology (DLT) are transforming traditional FX settlement and processesAnalytical rigour and forward thinking approach, including familiarity with large data analysis and proficiency in a coding language such as Python or SQL is preferredStrategic communication skills, with a demonstrated ability to translate technical Treasury topics for Product and Engineering stakeholdersA proactive and forward-thinking approach to problem-solving within a rapidly scaling, multi-entity environmentAn open and collaborative communication style, thriving in a cross-functional squad modelA relevant professional qualification (CFA is preferred)ð What's in it for youð 93,500 - 115,000 + incentive Awards tied to your performanceðThis role is based in our London office, with a minimum expectation of working 2 days per week from the office. 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. ð 1,000 learning budget each year to use on books, training courses and conferences.ð¡ 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. ð The application journey has 4 key stepsCall with Recruiter (30 mins)Video call with hiring manager (30 mins)Technical video interview with hiring manager and treasury stakeholder (60 min)Behavioural interview with finance stakeholders (45 min)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 ð You can read them here.#LI-NZ1Equal opportunities for everyoneDiversity 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. You can read more in our blog, 2026 Diversity and Inclusion Report and 2025 Gender Pay Gap Report.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.