Back to jobs
tags.new

Senior Financial Crime Business Banking Investigator

Cardiff, London or Remote (UK)

🚀 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 in the UK 🇬🇧 | 💰 £29,450 - £37,250   + Benefits | Hear from the team ✨

⭐ Our Financial Crime Customer Operations Team: The Shield of Monzo

Our Financial Crime Customer Operations team is the frontline defence in protecting Monzo and our customers from the complex threats of economic crime, including sophisticated fraud schemes and global money laundering networks. We are not just a compliance function; we are a critical operational hub focused on safeguarding financial integrity.

At Monzo, our operational teams are structured into specialised 'Pillars', each focusing on a specific business area, set of risks, and unique typologies. This allows us to build deep, world-class subject matter expertise where it matters most.

The FinCrime Business Banking Pillar

In the FinCrime Business Banking Pillar, you will be integral to protecting the entire lifecycle of our business customers from high-growth startups to established SMEs. Our mission within this pillar is to ensure Monzo's business ecosystem remains transparent and trusted. This involves:

  • Conducting rigorous checks during onboarding and throughout the customer relationship.
  • Unravelling suspicious activity across a spectrum of financial crime typologies.
  • Reporting, exiting accounts, and implementing controls when significant risk is identified.

The Role: FinCrime Business Banking Senior Investigator 

As a FinCrime Business Banking Senior Investigator, you will play a pivotal role within our financial crime operations. Your main focus will be completing some of our higher risk, high complexity financial crime tasks on our business accounts, while supporting our Team Managers and coaching our Investigators to achieve our quality and productivity goals.

This is a high-impact role where your expertise will directly contribute to Monzo's safety and reputation, and the broader fight against illicit finance.

🔑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 segments, Complex Customer Reviews (e.g, in 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, and remain connected to frontline challenges.
  • Actively coaching Investigators on complex financial crime typologies, best practice, and performance improvement, to support in driving 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.

🤩 We’d love to hear from you if…

  • You can demonstrate an ability to give clear, constructive, and kind feedback that motivates colleagues and enhances performance.
  • You thrive in a fast-paced environment and can adapt positively and quickly to change be it new guidance, evolving processes, or shifting priorities.
  • You maintain flexibility in the tasks you are scheduled for and can adapt seamlessly when business needs require changes at short notice.
  • You are driven by a desire to have a tangible impact on the detection and prevention of financial crime, protecting Monzo and its customers.

🎯 At the interview, we will be looking for you to demonstrate...

Essential Expertise

  • Significant and specific experience in conducting end-to-end due diligence (KYB) and investigations on businesses (SMEs, Corporates, etc.) in a regulated financial crime setting.
  • Proven ability to conduct in-depth, high-quality open-source research and analysis to corroborate customer profiles and transactional activity.
  • Strong foundational and applied Financial Crime knowledge, specifically deep exposure to Know Your Business (KYB) and Anti-Money Laundering (AML) principles.
  • A strong understanding of current UK and international financial crime trends and typologies, with particular expertise in those impacting business accounts (e.g. trade-based money laundering, complex shell structures, illicit use of payment services).
  • A comprehensive understanding of the UK Suspicious Activity Reporting (SAR) regime, including consent requirements and the legislative framework (POCA).

➕ It will be useful, but not essential if...

  • You have direct experience of completing Enhanced Due Diligence (EDD) and/or Complex Customer Reviews, and/or have experience writing and reviewing/approving SARs.
  • You have formal or informal experience of coaching, mentoring, or training peers or more junior members of the team.
  • You can demonstrate a track record of identifying areas for control/process improvement and successfully working with, or escalating to, relevant stakeholders to implement change.
  • You hold or are working towards an appropriate qualification relevant to Financial Crime (e.g. ACAMS, ICA Diploma).

Start date: Monday 16th February 2026

Shifts - You'll work 37.5 hours per week. This means you'll work Monday to Friday, from 9AM to 5:30PM. You'll also work one full weekend (Saturday and Sunday), once every 4 weeks with 2 set days in lieu when working the weekend.

Monzo's Culture & Benefits

Monzo is a bank built on transparency, fairness, and inclusion. We are building a bank for everyone and are looking for people who can bring diverse perspectives and experiences.

🙌What’s in it for you

💰£29,450 ➕share options.

🎂We guarantee to approve time off on your birthday if it falls on a day you’re scheduled to work and it’s outside of your training period.

📍This role is remote based in the UK

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

📚£1,000 learning budget each year to use on 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. 

➕ Plus lots more! Read our full list of benefits.

 🌈 The application journey has 3 key steps

  • Application questions
  • Recruiter call 
  • Full loop interview (values and technical questions)

This process should take around 2- 3 weeks - your schedule is really important to us, so we promise to be as flexible as possible!   

You’ll hear from us throughout the application process, but if you’ve got any questions, please reach out to jessicawilson@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.

The closing date for applications is Friday 21st November 2025 at 5pm

LI-JW #LI-REMOTE

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 😊

Apply for this job

*

indicates a required field

Resume/CV*

Accepted file types: pdf, doc, docx, txt, rtf

Cover Letter

Accepted file types: pdf, doc, docx, txt, rtf

Select...

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
Select...
Select...

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.

👤 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.

Select...
Select...
Select...
Select...
Select...
Select...