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FOS Insights Analyst

Cardiff, London or Remote (UK)

🚀 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 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!

We’re not about selling products - we want to solve problems and change lives through Monzo ❤️

 

London OR Cardiff OR Remote (UK) | 💰 £33,600 - £44,450 + Incentive Awards tied to your performance + benefits ✨

⭐Our Complaints team

Our mission is to make money work for everyone. And while having a great app is part of that, we pride ourselves on providing world-class support. By solving customers' problems, treating them fairly and being transparent, we're making banking better 💪

Our Complaints team works alongside Customer Operations to make sure customers receive the best possible service, even when things go wrong. We put empathy at the heart of how we handle complaints and use what we learn to make things better.

The Financial Ombudsman Service (FOS) plays an important role in helping us improve. As a FOS Insight Analyst, you'll uncover the root causes behind complaints and Ombudsman decisions, turn data into meaningful insights and help teams make changes that improve customer outcomes and prevent future harm.

🔑You’ll play a key role by…

  • Monitoring key risk indicators, including FOS referral and overturn rates, to spot emerging trends and opportunities for improvement.

  • Carrying out root cause analysis and deep dives into FOS referrals and outcomes to understand what's driving complaints and decisions.

  • Turning complex data into clear, actionable insights and recommendations that help teams address underlying issues.

  • Sharing findings with senior leaders and governance committees to support informed decisions and improve customer outcomes.

  • Tracking agreed actions across teams, highlighting progress, challenges and opportunities to make improvements.

  • Assessing the impact of completed actions to understand what's working and where further changes are needed.

  • Working with the FOS to share insights, discuss differences in interpretation and identify practical solutions.

🤩 We’d love to hear from you if…

  • You have experience carrying out root cause analysis and turning findings into meaningful improvements.

  • You understand complaint handling in an FCA-regulated environment, including the Dispute Resolution (DISP) rules.

  • You're familiar with the Financial Ombudsman Service, how complaints are referred and how decisions are made.

  • You're confident analysing and interpreting data, including using tools like Looker to identify trends and patterns.

  • You can turn complex information into clear, practical recommendations that different audiences can understand.

  • You're comfortable working with stakeholders across different teams, constructively challenging decisions and influencing positive change.

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!

🙌What’s in it for you

  • 💰£33,600 - £44,450+ Incentive Awards tied to your performance ➕ benefits.

  • ⏰We offer flexible working hours and trust you to work enough hours to do your job well, and at times that suit you and your team.

  • 📚£1,000 learning budget each year to use on books, training courses and conferences.

  • 🏡We will set you up to work from home; all employees are given MacBooks and for fully remote workers we will provide extra support for your work-from-home setup.

  • ➕ Plus lots more! Read our full list of benefits.

🌈 The application journey has 4 key steps

1. Application
2. Recruiter call 
3. Role Specific Interview 
4. Values Interview

This process should take around 2-3 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.

We’ll close this role once we have enough applications for the next stage, so please apply as soon as you can - we don’t want you to miss out!

LinkedIn Tags: #LI-JK1

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, 2026 Diversity and Inclusion Report and 2025 Gender Pay Gap Report.

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 😊

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Our goal at Monzo is to make money work for everyone. To do that, working at Monzo must work for everyone. We want to create an equitable, engaged and innovative workplace which gives people from all backgrounds the support they need to thrive and grow. 

Making Monzo work for everyone starts right at the beginning of every Monzonaut's journey: when they apply to work here. This demographic survey will help us better understand the people who apply to work at Monzo. It'll help us see how different groups progress through our hiring process, and where we need to make improvements to be more inclusive. If you choose to fill it out, all of the information you give us is:

  • Voluntary. And we've included a "prefer not to say" option for every question. It'd be helpful if you still fill out the survey even if you choose "prefer not to say" for every question, as it's useful for us to understand & record this. We won't know if you choose to fill this survey in or not.
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For more information on how we'll use this data, please read our candidate privacy notice.

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