Backend Engineer III
Monzo
New York, New York
Full-Time
$161,500
RemoteExecutive
Were on a mission to make money work for everyone.
Were 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!
Were not about selling products - we want to solve problems and change lives through Monzo
Hear from our UK team about what it's like working at Monzo
New York, NY | Backend Engineer III $161,500 - $218,500 + Benefits | Technology - Engineering |
At Monzo, were 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, were bringing that same energy, innovation, and heart to the US, empowering people to take control of their finances with clarity, simplicity, and confidence.
Our US team is on a mission to make digital banking that grows your money, your way. Whether its 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 isnt just our product - its our people. Were 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 peoples lives.
If youre ready to make a difference and help build a bank that rewards people for being themselves, come join us. Lets grow together.
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, weve built a banking app that our customers love with extremely high daily engagement, an industry leading net promoter score, and award-winning customer support. Weve raised over $1 billion from Capital G, Googles growth fund, Ribbit Capital, TenCent, YCombinator, Stripe, Coatue, and others - most recently at a $5.9 billion valuation in 2024.
Were just getting started in the US. Were an agile full stack team operating like an early stage startup but with the financial, operational, and engineering platform muscle of a larger company. Were focused on building an amazing US product, shipping and iterating quickly, and deepening our product market fit. Were looking for highly driven, enterprising people to help us achieve our mission to make money work for everyone.
We are a team of 20 engineers working in a startup environment and on a mission to make digital banking work for everyone in the US. We have big ambitions for the future, and technology plays a big role in creating a bank our customers want. Engineers at Monzo collaborate across disciplines to solve interesting challenges throughout the company.
These range from the products our customers use everyday to underlying infrastructure, security, payments and finance, customer operations, financial crime, and data, to name just a few areas. There is scope for impact across a huge number of opportunities.
This role is all about collaborating with your team to make a difference to your customers. As a backend engineer youll work in a squad alongside other disciplines like product managers, marketers, user researchers, designers, mobile engineers, web engineers, data analysts, business analysts, writers and more!
Together youll build the Monzo US application. Youll work with squads across collectives (a word we use to describe self-governing business units of ~100 people).
We do not ask for formal qualifications or degree requirements, our backend engineers have a variety of different backgrounds. As long as you enjoy learning new things, wed love to talk to you.
This role is ideally based in New York, which is our main tech hub.
We value meeting in person, but theres no pressure to come into the office every day. We believe youll do your best work when youre where you want to be. That said, we do ask that you spend three days per week in the NY office to help us stay connected and collaborate effectively
Our offices are naturally social, especially Tuesdays, Wednesdays and Thursdays. Teams also schedule time together often for work and play in or around the office, or online.
At Monzo, we value connections, flexibility, and wellbeing. We keep our meetings during core hours to stay connected and believe in maintaining work/life balance.
Youll be empowered to manage your work in a way that suits you and your team, giving you the freedom for children drop-offs and pick-ups, walking your dog or adventurous cat, avoiding peak commuting times or gym slots, appointments, or supporting your family in an emergency.
Work the way that works for you with Monzo!
Not ticking every box? Thats totally okay! Studies show that women and people of colour might hesitate to apply unless they meet every single requirement. At Monzo, were dedicated to creating a diverse and welcoming team. If youre passionate about this role and keen to learn and grow with us, we encourage you to apply - even if you dont have everything that's listed just yet. Drop us your application, wed love to hear from you!
We hire very technically agnostic so whilst we use the below technologies we do not expect prior knowledge, you will be fully supported in our organised onboarding to get up to speed in the below:
Our interview process involves three main stages:
Our average process takes around 4 weeks but we will always work around your availability.
One of our engineers has written a detailed blog on their experience through this process, for extra details, hints and tips please see here.
$161,500 - $218,500 base salary plus stock options
We can help you relocate to New York
We can sponsor visas.
This role can be based in our New York office, but we're open to distributed working within the US (with ad hoc meetings in New York).
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. Work the way that works for you with Monzo!
And much more, see our full list of benefits here
We're usually always hiring for Backend Engineers, so there's no closing date for this job.
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Diversity and inclusion are a priority for us and were making sure we have lots of support for all of our people to grow at Monzo. At Monzo, were 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, 2024 Diversity and Inclusion Report and 2024 Gender Pay Gap Report.
Were 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