Job Application for Quality Assessor, Financial Crime, EU, Fluent Spanish and English at Monzo

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🚀 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 ❤️

Hear from our UK team about what it's like working at Monzo ✨

📍Remote | 💰£29,450 - £37,000 (+ £2,500 Multilingual Premium) + Stock Options + Benefits

⭐ About our FinCrime Fraud QA Team:

We're looking to hire a talented Financial Crime (“FinCrime”) Quality Assurance specialist to join our dedicated FinCrime Quality Assurance team, and help Monzo assess the effectiveness of our FinCrime controls as we expand into the European Union. Our Business Language is English, however due to the nature of the role you will be required to understand and interpret customer communications in Spanish.

If successful, you'll spend your time reviewing and scoring a multitude of FinCrime controls to determine their effectiveness, such as Transaction Monitoring, Sanctions Screening, Customer Due Diligence, Suspicious Activity Reports, Law Enforcement and investigating high risk account activity.

As part of this role, you'll gain exposure to possible money laundering, fraud, sanctions breaches, terrorist financing, bribery and corruption and tax evasion and will be fully trained in our Quality Assurance process.

🔑You’ll play a key role by...

Assessing the effectiveness of FinCrime controls, such as Transaction Monitoring, Sanctions Screening and Suspicious Activity Report reviews across Retail and Business bank accounts;
Identifying operational errors and determining their root cause;
Writing thorough, constructive and balanced feedback to enable business improvements and Investigator development;
Identifying and enforcing required remedial actions as a result of QA findings;
Completing end to end customer journey reviews across FinCrime tasks;
Reviewing and providing input into re-mark requests, providing clarity and where appropriate and taking on feedback to avoid errors in future;
Contributing to feedback sessions with FinCrime control operators to drive positive change and ensure alignment between process changes and assurance;
Identifying trends and ongoing risks and escalating these to QA Analysts for further review, or self-resolving where possible;
Supporting the Learning & Development team in writing training and guidance where process gaps are identified;

The following is required to apply for this role:

You have excellent English written and verbal communication skills.
You are fluent in European Spanish (to at least CEFR C1 level or equivalent) and have a strong understanding of conversational, colloquial Spanish.

🤩 We’d love to hear from you if you meet one or more of the following…

You have Quality Assurance experience in financial services or a comparable regulated environment.
You have experience of conducting analysis on high-risk banking screening or complex financial crime investigations in retail and/or business sectors.
You have experience making independent, risk-based financial crime decisions in a regulated financial services firm.
You have knowledge of the current financial crime landscape in the UK and the EU, and associated financial crime risks.

🌈 The application journey has 3 key steps

Application questions & CV review
Recruiter call
Role specific & values based interview
Written Language Assessment
Verbal Language Assessment

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.

You’ll hear from us throughout the application process, but if you’ve got any questions, please reach out to hiring@monzo.com. You can also use this email address to let us know if there’s anything we can do to make the process easier for you because of disability, neurodiversity or anything else.

We'll close this role once we have enough applications for the next stage. Please submit your application as soon as possible to make sure you don’t miss out.

For this role the planned start date is 5th January 2026.

What’s in it for you:

💰 This role can be L20 £29,450 - £39,850 or L30 £37,400 - £50,600 dependent upon experience (+ £2,500 Multilingual Premium) ➕ stock options & benefits

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

📚 Learning budget of £1,000 a year for 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.

➕ And much more, see our full list of benefits here

#LI-REMOTE #LI-DR

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, 2024 Diversity and Inclusion Report and 2024 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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🇺🇸 Are you a US Person?

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A US Person is defined as someone who:

was born in the United States (US)
has at least 1 parent who was born in the US
is a naturalised citizen of the US
is a green card holder
is a US tax resident

🔐 Keeping your data safe is really important to us.

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Please read our Candidate Data Privacy Notice.

🛂 Please confirm your UK Right to Work status.

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We legally have to verify your Right to Work in the UK before you can start working for us. We're asking for this information now so we know later what type of right to work check we need to do. Your answer to this question won't affect the outcome of your application, unless you'd need visa sponsorship but are applying to a role we can't sponsor.

If you’d like to, please share your preferred pronouns (eg. they/them/theirs, she/her/hers).

If you'd like to, please spell out your name how it's pronounced so we know how to say it.

To the best of your knowledge, what is Quality Assurance and why is it important?

Please tell us what interests you about this role, and why you think you would be successful in it.

Choose one of the following Financial Crime controls: Transaction Monitoring, Suspicious Activity Reports, or Sanctions Screening. Please describe the key stages of an end-to-end process for this control; Please outline what would make this control effective in its intended purpose.

I confirm I am fluent in Spanish and English both written and Verbal Language

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Can you commit to the start date of Monday 5th January and you must be able to commit to the first 8 weeks no holidays/time off the training hours will be Monday to Friday 9am-5.30pm.

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👤 Identity survey

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.
Anonymous to Monzo. We can't tie your responses to you and they won't make a difference to the outcome of your application. We'll only use grouped responses for equal opportunities monitoring in our hiring process.

For more information on how we'll use this data, please read our candidate privacy notice.

By filling out this survey, you agree that we can use your responses for the purposes we've mentioned above. You are not letting us know if we need to make any adjustments to the hiring process because of disability or neurodiversity - to do this please email us.

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Quality Assessor, Financial Crime, EU, Fluent Spanish and English

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