Prior to OakNorth, Matt spent almost 5 years at Monzo Bank, a darling of the Fintech world. He joined when the company had c.400,000 customers, and when he left they had c.9,500,000, so he's seen the company through various stages of hyper growth. Matt is a Principal Product Manager with a proven track record of driving growth and innovation, he brings deep expertise in scaling products, launching financial solutions, and navigating complex international markets. During his five years at Monzo, he played a pivotal role in its growth from 400,000 to 9.5 million customers, owning key areas such as customer onboarding and activation, which were instrumental to Monzo's success. He developed Monzo's overdraft and personal loans products from scratch, launched app-enhancing features like bill splitting and early salary access, and built the foundation for Monzo's business banking product.
With extensive experience in payments--both domestic and international--he also led Monzo's European and US expansion efforts, gaining deep familiarity with these markets. His work has consistently focused on growth, leveraging customer insights, product innovation, and strategic execution to deliver impactful outcomes.
He is excited to bring this wealth of experience to organisations seeking to accelerate their growth and enter new markets.
In addition to his product management expertise, he has significant experience addressing financial crime challenges, including AML (Anti-Money Laundering), KYC (Know Your Customer), transaction monitoring, and managing banned users. At Monzo, he played a key role in designing and implementing systems that ensured compliance with stringent regulatory requirements while maintaining a seamless customer experience. He collaborated closely with legal, compliance, and operational teams to build scalable processes and tools that enhanced efficiency in fraud detection, risk assessment, and case management. A core focus of his work was empowering operational teams by integrating automation and data-driven insights into workflows, reducing manual effort and improving response times.
He led initiatives to optimise transaction monitoring, ensuring suspicious activity was identified and escalated effectively, while minimising false positives. Additionally, he contributed to refining Monzo's onboarding process to balance rigorous KYC checks with a frictionless customer journey, supporting growth without compromising security. His ability to navigate the complexities of financial crime prevention while driving operational efficiencies has been pivotal in enabling teams to scale effectively and deliver strong outcomes in highly regulated environments.
This experience positions him to provide actionable insights to organisations looking to strengthen their financial crime defences and streamline their operations. Matt is motivated by having quick, clear and measurable impact on a business. He loves understanding customer behaviour, drivers of performance, vintage performance and customer dynamics. He runs with products from an idea and concept, through to delivery, problem solving with teams on delivery, design, marketing and strategic issues. He balances tactical and strategic needs and always focuses 100% on the end customer. He is trusted with high impact work and consistently demonstrate winning behaviours.
