Controls Product Senior Manager

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 | £85,000 - £115,000 + Incentive Awards tied to your performance + Benefits ✨ This role sits at the heart of our Control Discipline change agenda, building the controls product platform that powers safe growth at Monzo. At Monzo, we don’t treat risk and controls as a bureaucratic governance process. We treat our control framework, tools, and data pipelines as an internal product - designed to give engineers, product managers, and business leads the ability to ship fast - and safely. We are looking for a Senior Controls Product Manager to join our newly established Controls Product & Enablement team within our Controls Discipline. Sitting at the intersection of Product, Risk, Data, and Engineering, you will act as the Product Lead for Monzo’s core risk lifecycles (Issues, RCSAs, Controls, Policy, Reg Traceability). You won't just write requirement docs for someone else to build - you are a builder yourself. You’ll prototype low-code tools, leverage AI models, interrogate data pipelines, and architect automated workflows to turn manual risk friction into seamless, automated self-service. ⭐ Our Controls team The role will sit within the Controls Product & Enablement team which is part of the wider Controls Discipline in Monzo’s 1st line of defence Our teams work closely with cross-functional teams across the organisation including Technology, Data, Product, Operations as well and Risk & Compliance (the 2nd line of defence). As this is a newly established team (wherein you’ll have two direct reports already working in the team as data and automation specialists), this role holder needs to bring a flexible and adaptable mindset, as well as a willingness to deal with ambiguity as the team establishes its operating rhythm and embeds itself within the wider business. What you’ll do (Your Product Ownership Scope)… • Own the Controls Product Roadmap: Define the vision, strategy, and backlog for Monzo’s internal risk products, replacing static, manual cycles with smart, data-driven platforms (SmartSuite, Zango, Looker, and native AI integrations). • Hands-on Prototyping & Automation: Directly design, prototype, and build automated workflows, API integrations, and low-code/no-code solutions. You'll take an idea from a problem statement to a working MVP before partnering with core Engineering (if necessary) to scale or industrialise it. • Pioneer AI in Risk Management: Champion AI adoption across the discipline. Experiment with LLM prompting, custom agents, and automated evidence-gathering tools to solve complex control problems and dramatically reduce manual drag for Monzo staff. • Build for Real-Time Risk Intelligence: Drive the shift from annual "point-in-time" assessments to continuous, automated monitoring. Design data triggers (e.g., incident spikes, change flags) that alert risk owners in real time. • Product Enablement & Adoption: Ensure high-impact adoption. Work closely with first line risk