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About the Role

Design, develop, and ship digital products that directly shape how Monument’s clients manage and grow their wealth, working across the full stack from polished front-end interfaces to resilient back-end services. This is a build role for an engineer who wants to own their work end to end, with meaningful ownership on a product that matters, at a pre-IPO challenger bank, working with modern tooling and an AI-first engineering culture.

Responsibilities

Build, deploy and scale high-quality, secure and maintainable mobile applications across front-end and back-end systems, with full ownership of your code from architecture through to production monitoring.
Collaborate closely with Product, Design and Data colleagues to define problems, shape hypotheses and ship working solutions at pace.
Apply an AI-first approach to engineering, using tools such as Claude, GitHub Copilot and AI agents to accelerate development, testing and ideation without compromising quality or security.
Instrument everything you build, tracking performance, behaviour and conversion to inform data-driven decisions on what to build next.
Contribute to product strategy by identifying opportunities for technical innovation and automation across Monument’s digital experiences.
Ensure operational excellence across your work, building for reliability, scalability and compliance in a regulated financial services environment.
Help define and evolve engineering standards, architecture patterns and development best practices as the team scales.
Champion simplicity in design and implementation, building systems and interfaces that are intuitive, elegant and frictionless for clients.

Requirements

Monument’s clients are discerning and have high expectations. Building experiences that feel genuinely premium, not just functional, requires craft as much as capability.
Speed and quality must coexist. Shipping fast in a regulated environment means knowing where to move quickly and where to apply rigour.
The full stack is genuinely full. You will be expected to contribute meaningfully across front end, back end and infrastructure, not camp in one layer.
AI tooling is evolving fast. The challenge is not to use it for the sake of it, but to build the judgement to know when and how it genuinely improves your output.
Bias to Action. Make decisions with the information available. Do not wait for perfect conditions. Ship, learn, iterate.
Radical Ownership. Accountable for the quality, performance and reliability of what you build, not just the code you commit.
Challenge with Intent. Push for better solutions through evidence and technical rigour, even when the easier path is available.
Intellectual Humility. Let data and results guide architectural decisions. Adapt when evidence changes, even when it means revisiting previous calls.
Low ego, high standards. Confident in technical convictions, collaborative in approach, focused on outcomes.

Skills

Full-stack engineering experience
React
Node.js
AWS
iOS native development
Android native development
React Native
RESTful APIs
GraphQL APIs
Serverless architectures
CI/CD pipelines
TypeScript
JavaScript
Cloud-native ecosystems
Modern tooling
Data and experimentation
AI-powered engineering tools
Agile methodologies
Product-led teams
UK GDPR data handling
Event-driven systems
PostgreSQL
DynamoDB
Financial services
Fintech
Regulated environments

Location

London (Oxford Circus)

Work Type

Hybrid: 2 days per week
Flexible hybrid working
Options to work from abroad

Experience Level

Proven full-stack engineering experience
Hands-on experience with iOS or Android native development, or React Native
Strong working knowledge of RESTful and GraphQL APIs, serverless architectures and CI/CD pipelines
Comfortable in TypeScript and JavaScript, with experience in cloud-native ecosystems and modern tooling
A track record of using data and experimentation to guide technical and product decisions
Demonstrable experience with AI-powered engineering tools
Experience working in agile, product-led teams
Familiarity with UK GDPR data handling obligations
Experience with event-driven systems and database technologies such as PostgreSQL or DynamoDB is advantageous
Exposure to financial services, fintech or other regulated environments is a plus but not a requirement

Benefits

28 days annual leave plus 8 bank holidays
Performance related bonus structure
Equity after probation
Enhanced pension (9% employer contribution + 1% match when you contribute a minimum of 1%)
Private health insurance with family cover
Optical and dental cover
Online GP service for you and your family
Life assurance
Enhanced parental leave

About the Company

We’re building something genuinely rare: a financial brand designed for the mass affluent, the professionals, entrepreneurs and ambitious savers that traditional banks have systematically underserved for decades.
We exist to make managing wealth simpler, smarter and more human, treating every client’s wealth with the same care as if it were our own.
We have over £7 billion in client deposits, a fresh funding round and a place on the Future Fifty, the UK’s top pre-IPO companies. The momentum is real.
At Monument, our values shape how we make decisions, how we treat each other when things get hard, and how we show up for clients who expect more than standard banking.
We set ambitious goals and hold ourselves to them, not because it looks good, but because our clients’ outcomes depend on it. When something isn’t working, we say so early, learn from it, and move. We don’t wait for perfect conditions, and we don’t protect egos over progress.
We work as a genuine team, which means real collaboration, honest conversations when we disagree, and shared accountability when things go wrong. We know better decisions come from different perspectives, so we actively value the range of experiences and backgrounds our people bring.
We’re always asking whether there’s a smarter way to do what we do, not for the sake of change, but because standing still isn’t an option in the market we’re in.

Equal Opportunity

Monument Bank is an equal opportunities employer.
We are committed to creating an inclusive environment for all employees and applicants.
We welcome applications from individuals of all backgrounds and do not discriminate on the basis of age, disability, gender reassignment, marriage or civil partnership, pregnancy or maternity, race, religion or belief, sex, or sexual orientation.