--- title: 'Fraud Compliance Manager at Referrals Only' canonical: 'https://feeny.ai/job/fraud-compliance-manager-referrals-only-united-kingdom-qpzb7bmcbgxt' type: 'job' last_seen: '2026-09-14' --- # Fraud Compliance Manager at Referrals Only - **Company:** Referrals Only - **Location:** United Kingdom - **Work type:** remote - **Posted:** 2026-09-04 - **Last confirmed live:** 2026-09-14 - **Apply:** https://job-boards.greenhouse.io/monzoreferrals/jobs/8179466 ## Job description Cardiff, London or Remote (UK) | 💰 £71,400 - £90,000 + [benefits](https://monzo.com/careers) ✨ ⭐Our Fraud and Financial Crime Compliance team We’re looking for a Fraud Compliance Manager to join our second line of defence (2LoD) Fraud and Financial Crime Compliance. You’ll help provide oversight, challenge and assurance across Monzo, ensuring we manage fraud risks effectively while continuing to deliver a phenomenal customer experience. As part of our Risk and Compliance Collective, you’ll play an important role in helping Monzo grow safely, responsibly and in line with regulatory expectations. 🔑You’ll play a key role by… - Delivering assurance reviews across key fraud regulations, processes and controls, helping teams understand and manage fraud risks. - Providing clear, actionable feedback that strengthens Monzo’s control environment and supports fair customer outcomes. - Supporting the delivery of the Fraud Assurance Plan through effective oversight and challenge of first line activities, including the effectiveness of fraud rules and monitoring, - Producing high-quality, data-led reports, management information and recommendations for stakeholders across the business. - Tracking and validating remediation actions arising from assurance reviews to ensure effective resolution. - Supporting the change process, fraud compliance risk assessments, assurance planning and the continuous development of assurance methodologies. - Helping build a positive culture around regulation, compliance and continuous improvement through training, collaboration and innovation. 🤩 We’d love to hear from you if… - You have experience in a fraud analytics role, or similar. - You have a great understanding of fraud regulations and guidance, including areas such as APPR, PSD2 and key consumer duty and other regulatory requirements. - You can analyse complex information and data, translating findings into clear, practical recommendations. - You have experience working within compliance, assurance or audit in a regulated financial services environment. - You’re organised, proactive and comfortable managing competing priorities in a fast-paced environment. - You build strong relationships with a wide range of stakeholders and communicate effectively at all levels. - You’re excited by the opportunity to shape the future of banking and see compliance as a key enabler of sustainable growth. The interview process: Our interview process involves 4 main stages: - Short call with a recruiter - 30 minute call with Hiring Manager - Role specific interview - Behavioural interview Our average process takes around 3-4 weeks but we will always work around your availability. What’s in it for you: 💰 £71,400 to £90,000 + Incentive Awards tied to your performance +[Benefits](https://monzo.com/careers#benefits) ⏰ 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 books, training courses and conferences ➕ And much more, see our full list of benefits [here](https://monzo.com/careers/) #LI-JK #LI-Remote ## About Referrals Only ## Company Overview - **One-liner**: Marqeta is the world’s first modern card issuing platform, providing open APIs that enable businesses to create, manage, and scale customized payment card programs. - **Entity Type**: Public (Ticker: MQ on NASDAQ) - **Headquarters**: Oakland, California, USA - **Founded**: 2010 - **Founders**: Jason Gardner (Founder & Executive Chairman) ## Core Business - **Primary industry**: Financial Technology (Fintech) — Modern Card Issuing & Payment Solutions - **Target customers**: B2B; serves a wide range of industries including digital banking, on-demand delivery, buy now, pay later, expense management, retail, and workforce payments. Customers include Square, DoorDash, and other high-growth fintech and enterprise companies. - **Mission or purpose statement**: To simplify payments and enable any company to deliver delightful payment experiences natively, powering more flexible, engaging, and innovative payment products. ## Products & Services - **Modern Card Issuing Platform (SaaS/API)**: Fully open API platform that allows developers to launch new credit and debit card programs with speed, flexibility, and scale. Supports instant wage access, embedded finance, and custom card products. - **Compliance & Risk Management (Service)**: Integrated fraud detection, spend control, and compliance tools to ensure high levels of security and uptime. - **Global Expansion Capabilities (Platform)**: Certified to operate in over 40 countries across the US, Europe, and Asia, enabling businesses to scale globally. ## Market Standing - **Valuation/Market Cap**: As a public company, market cap fluctuates. As of mid-2026, Marqeta is a publicly traded company valued in the multi-billion dollar range (exact figure varies with market conditions). - **Key Metric**: Annual Revenue — $383 billion+ in total volume processed in 2025; 80x volume growth since 2017; 99.99% platform uptime in 2025. - **Notable Investors/Partners**: Key customers include Square (Block), DoorDash, and other leading fintech and enterprise firms. Partners include issuing banks, networks (e.g., Visa, Mastercard), and card fulfillment providers. - **Growth Signals**: Recognized as a CNBC Disruptor (top 50 in 2021 award); consistent expansion into new geographies (EU, UK, Asia); continued hiring across multiple departments and regions (US, Canada, UK). ## Competitive Advantages - **First-mover & category leader**: Marqeta defined the modern card issuing category with its open API platform, giving it a decade-plus head start over competitors. - **Scalability & reliability**: Proven track record of 99.99% uptime and handling massive transaction volumes (80x growth since 2017) — critical for enterprise customers. - **Deep integration with major networks**: Pre-existing relationships with Visa, Mastercard, and issuing banks shorten time-to-market for customers. - **Developer-first approach**: Open APIs and developer tools make it easy for engineering teams to build custom payment experiences quickly. ## Strategic Focus - **Global expansion**: Continuing to expand its certified operations into new countries (currently 40+) to serve multinational customers. - **Embedded finance & new use cases**: Driving adoption in instant wage access, embedded finance, and enterprise expense management. - **AI & automation**: Investing in AI-powered fraud detection, risk management, and product automation (e.g., hiring for Principal Security Engineer, Product & AI; Lead Product Manager, Enterprise AI & Automation). - **Platform stability & security**: Maintaining industry-leading uptime and security compliance as core differentiators. ## Why Work Here - **Culture & values**: Marqeta emphasizes a culture of “Simplify and Innovate,” “Solve for the Customer,” “Do What’s Right,” “Make it Count,” and “Win as a Team.” Employee Resource Groups (ERGs) include BlackCard, HOLA, RepresentAsian, Desi, MQ-Proud, Vets@MQ, Women’s Group, Parents’ Group, and Marqetaglots. - **Remote/hybrid policy**: Many roles are remote (US, Canada, UK), with some positions based in Oakland, CA or London, UK. The company supports flexible work arrangements. - **Notable perks & engineering culture**: Fast-paced, purpose-driven environment; strong focus on developer experience and open APIs; opportunities to work on cutting-edge payment infrastructure at massive scale. The company invests heavily in early career talent and internal mobility. - **Award-winning workplace**: Recognized as a top workplace (e.g., CNBC Disruptor) and offers a collaborative, inclusive environment. ## Sources 1. [Marqeta About Us](https://www.marqeta.com/company/about-us) 2. [Marqeta Careers Page](https://www.marqeta.com/company/careers) 3. [Marqeta Homepage](https://www.marqeta.com/) 4. [Greenhouse Job Board](http://job-boards.greenhouse.io/marqeta) 5. [MQ Referrals Job Board](https://job-boards.greenhouse.io/mqreferrals/jobs/7743043) ## Other roles at Referrals Only - [Data Science Manager](https://feeny.ai/job/data-science-manager-referrals-only-cardiff-london-or-qy9svbyf8q50) — Cardiff London OR, United Kingdom - [Product Manager, Subscriptions](https://feeny.ai/job/product-manager-subscriptions-referrals-only-barcelona-0jkx6zdsjnj7) — Barcelona, Spain - [Fraud Investigator, Overnight Team](https://feeny.ai/job/fraud-investigator-overnight-team-referrals-only-united-kingdom-weayv59k72r1) — United Kingdom - [Lead Market Researcher](https://feeny.ai/job/lead-market-researcher-referrals-only-cardiff-london-or-83qyn2ncq2qk) — Cardiff London OR, United Kingdom - [Chief of Staff, Group CFO](https://feeny.ai/job/chief-of-staff-group-cfo-referrals-only-london-fg8xem42f7fh) — London, United Kingdom - [Senior Product Manager - Growth](https://feeny.ai/job/senior-product-manager-growth-referrals-only-london-x8w3pax4qj7r) — London, United Kingdom - [Director of Product Design](https://feeny.ai/job/director-of-product-design-referrals-only-cardiff-london-or-8ca0hy3vyc09) — Cardiff London OR, United Kingdom - [Staff Backend Engineer](https://feeny.ai/job/staff-backend-engineer-referrals-only-cardiff-london-or-6w1n8z0gktm9) — Cardiff London OR, United Kingdom - [Senior Backend Engineer](https://feeny.ai/job/senior-backend-engineer-referrals-only-cardiff-london-or-0weyav3xnjw9) — Cardiff London OR, United Kingdom - [Backend Engineer III](https://feeny.ai/job/backend-engineer-iii-referrals-only-cardiff-london-or-awnc2afx215n) — Cardiff London OR, United Kingdom