Full-Stack Software Engineer

About MonumentWe’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.
 
The Opportunity
This is a build role for an engineer who wants to own their work end to end. You will 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.

For the right engineer, this is a rare opportunity: meaningful ownership on a product that matters, at a pre-IPO challenger bank, working with modern tooling and an AI-first engineering culture that prioritises outcomes over process.
 
What You’ll Do

• 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.

 
The Challenges You’ll Tackle

• 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.

 
The Mindset

• 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.

 
What You Bring

• Proven full-stack engineering experience, delivering production-ready applications using React, Node.js and AWS on web and mobile platforms.
• Hands-on experience with iOS or Android native development, or React Native for mobile-first product work.
• 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, with a considered approach to where they add genuine value.
• Experience working in agile, product-led teams where speed, collaboration and ownership are the norm.
• Familiarity with UK GDPR data handling obligations and an understanding of what it means to build in a regulated environment.
• 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.

 
What’s in It for You
Build products that real clients use at a pre-IPO challenger bank with genuine commercial momentum. No legacy constraints, modern tooling, an AI-first engineering culture and the autonomy to own your work end to end. Be measured by what you ship and its impact, not by ticket velocity or meeting attendance.
 
Our Values
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.
 
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
• Flexible hybrid working, including options to work from abroad
• Enhanced parental leave

 
Equal OpportunitiesMonument 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.