Senior Financial Crime Investigator - Business Banking
Monzo🚀 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 ❤️
UK Remote | 💰 £31,100 - £39,350 + Incentive Awards tied to your performance + Benefits | Hear from the team ✨
Start Date: We have start dates for Tuesday 1st September, Monday 12th October & Monday 9th November
(We will focus on filling the September start dates first, then move on to October, and finally November as each intake fills up).
⚠️ Important Note on AI & Plagiarism: Please reference any literature that you refer to. Applications that are highly plagiarised and not your own original work (e.g., ChatGPT) will be declined. We have guidelines on using Artificial Intelligence (AI) to ace an application and interview at Monzo. You can read them here.
⭐ About our Senior Financial Crime Business Banking Investigator Team
The Senior Financial Crime Business Banking Investigator team serves as Monzo’s frontline defence against complex economic crime, safeguarding our ecosystem and customers, from startups to established SMEs, against sophisticated fraud and money laundering. Operating within a specialised, risk-focused "Pillar," this critical operational team builds deep subject matter expertise to ensure financial integrity across the entire customer lifecycle. The team is responsible for conducting rigorous onboarding and ongoing compliance checks, unravelling complex financial crime typologies, and directly mitigating risk through thorough investigation, reporting, and account closures.
🔑 You’ll play a key role by...
- Taking ownership of the most complex FinCrime Business Banking tasks, including Enhanced Due Diligence (EDD) for high-risk businesses, Complex Customer Reviews (e.g., sensitive areas like Sexual Services flags), and multi-jurisdictional money muling investigations.
- Writing, reviewing, and submitting high-quality Suspicious Activity Reports (SARs) to the National Crime Agency (NCA), ensuring they meet the highest legal and evidential standards.
- Maintaining a regular schedule on core investigative tasks to sustain your competency levels, directly support the domain’s Service Level Agreements (SLAs), and remain connected to frontline challenges.
- Actively coaching Investigators on complex financial crime typologies, best practice, and performance improvement to help drive a culture of excellence.
- Working closely with our Operations Analysts to share emerging trends and ensure that operational guidance is continuously updated and effectively embedded across the domain.
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