Senior Machine Learning Scientist, FinCrime

Monzo Bank

Senior Machine Learning Scientist developing solutions to detect financial crime at Monzo. Collaborating with multidisciplinary teams to design and deploy effective ML models.

Posted 7/14/2026full-timeCardiff • 🇬🇧 United KingdomSenior💰 £93,000 - £120,000 per yearWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in deploying advanced Machine Learning models to solve business problems, with a strong command of Python and SQL. Capable of adapting to evolving fraud trends while ensuring customer safety and operational efficiency.

Highest-signal resume keywords

Machine Learning Model DeploymentProduction Python CodingSQL ProficiencyDeep Learning Architecture DevelopmentFinancial Crime Experience

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Machine LearningDeep LearningGraph-Based MLSequence-Based MLPythonSQLA/B TestingMicroservices

Soft Skills

Strong CommunicationSelf-Starter MindsetAdaptabilityCuriosityTeam Collaboration

Tools & Technologies

Go LangML Strategy Development

Industry Keywords

Financial CrimeRegulated InstitutionsOperational CostsCustomer OutcomesData-Informed Decisions

Tech Stack

Tools & technologies

GoMicroservicesPythonSQL

About the role

Key responsibilities & impact

Automatically and accurately detect suspicious user behaviours while minimising impact to genuine customers and operational costs.
Adapt quickly and appropriately to changing fraud and financial crime trends, ensuring our detection systems remain performant through time.
Design machine learning solutions that scale globally.
The technical approaches you take to solve these problems will be very much in your hands and we’ll strongly encourage and support experimentation and innovation. We’ll be expecting you to justify and demonstrate effectiveness along the way, making sure the approach meets our business and customer needs.

Requirements

What you’ll need

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're impact driven and excited to own the end to end journey that starts with a business problem and ends with your solution having a measurable impact in production.
You have a passion for sharing knowledge and raising the technical bar across the team.
You have a self-starter mindset; you proactively identify the most impactful issues and opportunities and collaboratively tackle them without being told to do so.
Using advanced ML techniques to ensure Monzo’s customers money stays safe, even if their card, phone or account is compromised, sounds exciting to you.
You have extensive experience writing production Python code and a strong command of SQL. You are comfortable using them every day, and keen to learn Go lang which is used in many of our backend microservices.
You have experience developing and shipping deep learning, graph-based, and/or sequence-based ML architectures to production and delivering business impact.
You thrive working on ambiguous problems and have a track record of helping your team and stakeholders resolve that ambiguity.
You have strong communication skills and are able to explain complex technical concepts to non-technical stakeholders
You want to be involved in building a product that you and the people you know use every day, with a product mindset that prioritises customer outcomes and data-informed decisions.
You're excited about fast-moving developments in Machine Learning and can communicate those ideas to colleagues who are not familiar with the domain.
You’re adaptable, curious and enjoy learning new technologies and ideas.
Experience in supporting your team in shaping the ML strategy of your area.
Experience working with financial crime, operations and in regulated institutions.
Commercial experience writing critical production code and working with microservices.
Experience in evaluating ML models in live environments such as through A/B tests.

Benefits

Comp & perks

We’ll help you relocate to the UK.
We can sponsor your visa.
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.