Senior Accounting & Financial Operations Analyst San Francisco

Senior Accounting & Financial Operations Analyst

Remote (US);
San Francisco or New York City

b🚀 We’re on a mission to make money work for everyone.

We’re waving goodbye to the complicated and confusing ways of traditional banking.

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 ❤️

Senior Accounting & Financial Operations Analyst - Monzo US

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.

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.

• 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…