Senior Accounting & Financial Operations Analyst

Senior Accounting & Financial Operations Analyst - Monzo US

📍New York, San Francisco or Remote (East coast desired due to London HQ) | 💰 $71,400 - $120,800 (location dependent), share options +  Benefits | Hear from the team

At Monzo, we’re building the future of digital banking - one that puts people first, not fees. We believe money should work for everyone, helping you grow, save, and spend in ways that actually fit your life.

We started in the UK and became one of the most loved digital banks, trusted by millions. Now, we’re bringing that same energy, innovation, and heart to the U.S. - empowering people to take control of their finances with clarity, simplicity, and confidence.

Our U.S. team is on a mission to make digital banking that grows your money, your way. Whether it’s cashback rewards that fit your real habits, high-yield savings with no hidden catches, or smart budgeting tools that simplify life, everything we build is designed to lift people up, not trip them up

But what truly sets Monzo apart isn’t just our product - it’s our people. We’re a team of builders, problem-solvers, and big thinkers united by a shared belief that finance can (and should) be fair, transparent, and empowering. We care deeply about the work we do and the impact it has on real people’s lives.

If you’re ready to make a difference and help build a bank that rewards people for being themselves, come join us. Let’s grow together.

About Us

Monzo Group is a leading financial technology company, with over 13 million customers in the UK, committed to providing modern banking solutions. In the last few years, we’ve built a banking app that our customers love – with extremely high daily engagement, an industry leading net promoter score, and award-winning customer support. We’ve raised over $1 billion from Capital G, Google’s growth fund, Ribbit Capital, TenCent, YCombinator, Stripe, Coatue, and others - most recently at a $5.9 billion valuation in 2024.

We’re just getting started in the US. We’re an agile full stack team operating like an early stage startup but with the financial, operational, and engineering platform muscle of a larger company. We’re focused on building an amazing US product, shipping and iterating quickly, and deepening our product market fit. We’re looking for highly driven, enterprising people to help us achieve our mission to make money work for everyone.

⭐ Our Finance team:

We’re looking for an experienced, commercially minded Senior Accountant to help lead our US financial accounting function and play a key role in building a world-class finance organisation. This role is suited to a qualified accountant with strong technical foundations who is ready to take ownership of core accounting processes and partner closely with the business as we scale.

You’ll be responsible for ensuring high-quality financial reporting and robust controls, while helping evolve our accounting processes and systems to support growth. This includes working through complex accounting questions, supporting new product launches, overseeing supplier and financial operations, and contributing to the ongoing development of our global finance infrastructure.

We have an exciting roadmap ahead - including continued growth of our US business, expansion into the European Union, new product and marketplace launches, and significant systems implementations. In this role, you’ll help ensure we scale in a controlled, well-governed way, using technology and automation to improve efficiency and insight across financial accounting.

🔑 You’ll play a key role by...

• Managing a tight process with our internal Finance team to ensure a swift month-end close process (e.g. managing accruals schedules, managing our bank accounts and supplier payments, liaising with our Tax team to post their numbers, etc). 
• Understanding the business and our products to write insightful management commentary.
• Working with our engineers and data teams to automate the production elements of this role, allowing you to focus on the parts of the role where your knowledge and skills provide the most value.
• Helping understand any differences between US GAAP and IFRS accounting. 
• Learning SQL skills to run reports and propose solutions that make our processes efficient and scalable.
• Maintaining existing and develop new controls that protect our financial data and our balance sheet substantiation process.
• Supporting our year end process working with external auditors and our Financial Reporting squad.
• Reviewing new products, assessing the accounting and implementing them in our banking platform and accounting system.
• Working with the business to assess the impact of changes in accounting standards and make proposals on accounting policy matters for new products launched.
• Helping maintain the integrity of our chart of accounts and financial static data.
• Helping with payment runs to our growing number of suppliers, working closely with our UK Financial Operations team.
• Helping with some of our US tax activities, liaising with external advisors and our Group Tax team.
• Resolving miscellaneous inquiries and support the overall finance team wherever needed - from forecasting and valuations, to bank transfers, transfer pricing and tax policy research!

🤩 We’d love to hear from you if…

• You’re a qualified accountant with an audit background, and have had some experience in financial accounting and control outside of practice. Knowledge of banking would be an asset.
• You have a great eye for detail.
• You’re fascinated by the banking and regulatory landscape, and have a good understanding of key financial controls.
• You’re a self-starter and enjoy tackling what needs doing, whether it’s making a bank transfer or pulling together reports for investors.
• You’re comfortable translating complex information into simple words for people with diverse backgrounds.
• You’re interested in using data (SQL skills would be a bonus).
• You thrive in a dynamic and constantly evolving environment.
• What we’re doing at Monzo excites you!

Not ticking every box? That’s totally okay! Studies show that women and people of colour might hesitate to apply unless they meet every single requirement. At Monzo, we’re dedicated to creating a diverse and welcoming team. If you’re passionate about this role and keen to learn and grow with us, we encourage you to apply— even if you don’t have everything that's listed just yet. Drop us your application, we’d love to hear from you!

🙌 Benefits

• 🏥 Great Health, Dental and Vision Insurance
• 💲 Competitive salary 
  
  • Office Based: San Francisco / New York $89,300 - $120,800 
  • Remote US (East Coast desired due to London HQ): $71,400 - $96,600
• 📈 Share Options
• 💰 Generous 401k with 4% employer match
• 🏝 32 days of vacation and public holidays per year (and we require that you take all of your days each year as we believe that well rested employees are more effective!)
• Maternity / Paternity leave
• 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.

🌈 The application journey has 4 key steps

• A quick call with a Recruiter
• A video-call with the Hiring Manager 
• A role specific case study 
• 2 stage interview loop (Role Specific & Behavioural)

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. You can read them here.

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