[All remote jobs](https://jobicy.com/jobs.md)[![Monzo logo](https://jobicy.com/data/server-nyc0409/galaxy/mercury/2025/06/5b4c0ec3-221.jpg)](https://jobicy.com/company/monzo.md)[Monzo](https://jobicy.com/company/monzo.md) # Lead Machine Learning Scientist, FinCrime Review the role, location requirements, compensation details, and application process before deciding whether this opportunity fits your next career move. [Apply for this job](#job-application)[View company](https://jobicy.com/company/monzo.md)ShareRemote from[UK](https://jobicy.com/job-region/uk.md)SalaryGBP 115k–150k / yrDepartment[Data Science & Analytics](https://jobicy.com/categories/data-science.md)EmploymentFull TimeExperienceSeniorPublished22 Oct 2026Apply before21 Nov 2026Listing views34Application actions0Application toolkit ## Make your next move. Prepare your resume, explore your fit, and draft a cover letter for this opportunity. AI Summary ## The role, at a glance. Monzo is hiring a Lead Machine Learning Scientist to develop production ML capabilities that detect and prevent financial crime, fraud, and suspicious behaviour. This is a senior individual-contributor leadership role that combines advanced model development with technical direction, mentoring, and cross-functional product delivery. The work involves large-scale, real-time modelling using deep learning, graph-based, and sequence-based approaches, supported by modern cloud data and MLOps platforms. Strong production Python, SQL, experimentation, model lifecycle expertise, and the ability to communicate ML decisions to non-specialists are central to success. The role is remote within the UK, with ad hoc meetings in London. ## Role DNA A quick view of the complexity, pace, ownership and collaboration implied by the job description. ### Job Complexity 5/5EasyHard ### Pace & Pressure 5/5RelaxedFast-paced ### Autonomy Level 5/5GuidedFull ownership ### Communication Load 5/5IndependentCollaborative AI insightThe role requires demonstrated success delivering advanced ML systems into production while responding quickly to evolving fraud patterns and balancing customer, operational, and commercial outcomes. It also carries technical-leadership responsibility without direct people-management authority. ## Salary analysis Estimated compensation compared with the broader UK market for similar roles. Estimated job median (per year)Highly competitive£132,500UK market range (per year)£100k–£165k0£181.50k AI insightThe yearly pay period is inferred from the job context; it was not explicitly stated by the employer. The employer discloses a £115,000–£150,000 annual-equivalent base salary range; the yearly period is inferred from the compensation magnitude, UK location, and senior full-time professional role convention because the posting does not explicitly state a pay cadence. The midpoint is £132,500 per year. An estimated UK market range for a lead machine learning scientist in financial-crime or fintech work is £100,000–£165,000 per year, excluding performance incentives and benefits. ## Core skills Skills and capabilities most closely associated with this opportunity. [Machine Learning](https://jobicy.com/jobs?search_keywords=Machine%20Learning.md)[Fraud Detection](https://jobicy.com/jobs?search_keywords=Fraud%20Detection.md)[Financial Crime Analytics](https://jobicy.com/jobs?search_keywords=Financial%20Crime%20Analytics.md)[Deep Learning](https://jobicy.com/jobs?search_keywords=Deep%20Learning.md)[Graph Machine Learning](https://jobicy.com/jobs?search_keywords=Graph%20Machine%20Learning.md)[Sequence Modelling](https://jobicy.com/jobs?search_keywords=Sequence%20Modelling.md)[Python](https://jobicy.com/jobs?search_keywords=Python.md)[SQL](https://jobicy.com/jobs?search_keywords=SQL.md)[MLOps](https://jobicy.com/jobs?search_keywords=MLOps.md)[Real-Time Systems](https://jobicy.com/jobs?search_keywords=Real-Time%20Systems.md)[Model Deployment](https://jobicy.com/jobs?search_keywords=Model%20Deployment.md)[Cloud Data Platforms](https://jobicy.com/jobs?search_keywords=Cloud%20Data%20Platforms.md)[Technical Leadership](https://jobicy.com/jobs?search_keywords=Technical%20Leadership.md)[Experiment Design](https://jobicy.com/jobs?search_keywords=Experiment%20Design.md)[Stakeholder Management](https://jobicy.com/jobs?search_keywords=Stakeholder%20Management.md) Sample interview questionsDescribe an advanced machine-learning model you deployed to solve a real business problem. How did you measure its impact?I would explain the business objective, baseline process, data and modelling choices, deployment design, and monitoring approach. I would quantify impact with measures such as fraud loss prevented, precision and recall, false-positive reduction, operational workload, latency, and customer impact. How would you design a real-time fraud-detection system that minimises friction for legitimate customers? I would combine transactional, behavioural, device, and network signals in a low-latency scoring pipeline. I would set decision thresholds based on expected cost, introduce step-up verification for uncertain cases, continuously monitor drift and fairness, and use controlled experiments to optimise fraud prevention against customer friction. When would you choose graph-based modelling for financial-crime detection? I would use graph methods when relationships among accounts, devices, merchants, beneficiaries, or transactions carry meaningful signal that tabular features miss. I would define the graph carefully, validate against leakage, compare graph-derived features and graph neural networks with simpler baselines, and ensure the solution meets latency and explainability requirements. How do you respond when a fraud model degrades because criminal behaviour changes? I would first confirm the degradation through monitoring of data drift, calibration, delayed labels, and business outcomes. Then I would investigate changed features and attack patterns, deploy safe rule or threshold mitigations where necessary, retrain or redesign the model using recent representative data, and validate changes with shadow testing or controlled rollout. How do you provide technical leadership as an individual contributor? I set clear technical standards, make trade-offs transparent, write design documents, and use reviews and pairing to improve implementation quality. I also mentor colleagues, align stakeholders on measurable outcomes, and ensure that technical decisions support durable product and customer value. Opportunity details ## About this role. 🚀 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](https://monzo.com/current-account/personal) and [business](https://monzo.com/business-banking) bank accounts, we offer [joint accounts](https://monzo.com/current-account/joint-account), [accounts for 16-17 year olds](https://monzo.com/current-account/16-17), a [free kids account](https://monzo.com/current-account/under-16s) and [credit cards](https://monzo.com/flex) in the UK, with more exciting things to come beyond. Our UK customers can also [save](https://monzo.com/savings), [invest](https://monzo.com/investments)and [combine their pensions](https://monzo.com/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 | 💰 £115,000 – £150,000 + Incentive Awards tied to your performance + [Benefits](https://monzo.com/careers/) ✨ ### About our Machine Learning FinCrime Team: Our Financial Crime Data team consists of over 25 people across 4 data specialisms: Analytics Engineers, Data Analysts, Machine Learning Scientists and Data Scientists. As a Lead Machine Learning Scientist, you’ll be working in a fast moving environment, building and iterating on our financial crime defensive capabilities to ensure we keep Monzo and our customers safe. Our financial crime team has a large impact on Monzo’s bottom line as fraud and scams are usually some of the largest cost line items in a bank’s P&L. We have a major influence on the overall customer experience and it’s our duty to keep our customers safe. The work we do results in directly measurable customer or company benefit, which is incredibly satisfying. Our Machine Learning Scientists work on a range of problems within the different financial crime areas ranging from fraud detection and prevention, transaction monitoring for different types of suspicious activity through to customer risk assessment and operational tooling. ### What you’ll be working on: A Lead Machine Learning Scientist at Monzo is a technical Individual Contributor (IC) leadership position. As a technical Machine Learning expert, working with billions of rows of data stored on a modern cloud native data platform, we’ll be expecting you to leverage your deep experience of developing and deploying advanced Machine Learning models to: * 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. The technical approaches you take to help 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. ### Your day-to-day: As a technical individual contributor, you’ll be providing technical leadership and shipping highly impactful ML-based solutions. You’ll be embedded in a cross functional product squad, working closely with product managers, data scientists, backend engineers and designers in an agile environment. You’ll also be a technical leader within the Machine Learning discipline, helping to steer technical work and drive up standards. This will involve: * Working with stakeholders across the organization to identify and scope out the most impactful opportunities to tackle Financial Crime and Fraud with Machine Learning. * Leading the design and development of advanced real time Machine Learning models, for example exploring how neural network, graph-based, and sequence-based architectures can drive improvements in detection of financial crime. * Providing technical leadership to drive up levels of technical expertise and best practice across the Machine Learning discipline, leading by example and mentoring others. * Working closely with our MLOps team to steer the ongoing development of tools to enable rapid iteration of models and optimisations of the full ML model lifecycle. ### You should apply if: What we’re doing here at Monzo excites you! * You have a multiple year track record of excellence leading the development and deployment of advanced Machine Learning models to tackle real business problems preferably in a fast moving tech company * You have experience developing and shipping deep learning, graph-based, and/or sequence-based ML architectures to production and delivering business impact * 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 self-starter mindset; you proactively identify issues and opportunities and tackle them without being told to do so * Reducing financial crime and protecting customers with data driven strategies 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](https://go.dev/) which is used in many of our backend microservices * You’re comfortable working in a team that deals with ambiguity and have experience helping your team and stakeholders resolve that ambiguity * You want to be involved in building a product that you (and the people you know) use every day * You have a product mindset: you care about customer outcomes and you want to make 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 ### Nice to haves: * Experience working with financial crime and in regulated institutions * Commercial experience writing critical production code and working with microservices ### The interview process: Our interview process involves 3 main stages. We promise not to ask you any brain teasers or trick questions! 30 minute recruiter call 45 minute call with hiring manager Full Loop: ML Modelling Interview, Product & ML interview, Behavioural Interview, Leadership interview Our average process takes around 3-4 weeks but we will always work around your availability. You will 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 us on [tech-hiring@monzo.com](mailto:tech-hiring@monzo.com). Please also use that email to let us know if there’s anything we can do to make your application process easier for you, because of disability, neurodiversity or any other personal reason. ### What’s in it for you: ✈️ We can help you relocate to the UK ✅ We can sponsor visas 📍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, at times that suit you and your team. 📚Learning budget of £1,000 a year for training courses and conferences ➕And much more, see our full list of benefits [here](https://monzo.com/careers/) If you prefer to work part-time, we’ll make this happen whenever we can – whether this is to help you meet other commitments or strike a great work-life balance #LI-REMOTE #LI-SR1 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](https://monzo.com/blog/diversity-and-inclusion), 2026 [Diversity and Inclusion Report](https://monzo.com/blog/our-2026-diversity-and-inclusion-report) and 2025 [Gender Pay Gap Report.](https://monzo.com/blog/gender-pay-gap-report-2025) 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 😊 Show more [Apply now >](https://jobicy.com/jobs/156367-lead-machine-learning-scientist-fincrime.md) * ![Upload CV](data:image/svg+xml;base64,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) ### Upload your resume now To unlock remote work opportunities and be discovered by global employers. 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