Senior Financial Crime Business Banking Investigator
Join to apply for the Senior Financial Crime Business Banking Investigator role at Monzo Bank.
🚀 We’re on a mission to make money work for everyone. We’re waving goodbye to the complicated and confusing ways of traditional banking. Monzo started as a prepaid card and has grown to offer personal and business accounts, joint accounts, accounts for 16‑17 year olds, a free kids account, credit cards, savings, investing and pensions, with more exciting products to come. Our hot coral cards, get‑paid‑early feature, financial education on social media and award‑winning customer service have helped us create magical moments for our customers! We’re not about selling products – we want to solve problems and change lives through Monzo ❤️.
📍 Remote in the UK 🇬🇧 | 💰 £29,450 - £37,250 + Benefits | Hear from the team ✨.
Responsibilities
* Take ownership of the most complex FinCrime Business Banking tasks, including EDD for high‑risk segments, complex customer reviews (e.g., sexual services flags) and multi‑jurisdictional money‑muling investigations.
* Write, review and submit high‑quality Suspicious Activity Reports (SARs) to the National Crime Agency (NCA), ensuring they meet the highest legal and evidential standards.
* Maintain a regular schedule on core investigative tasks to sustain competency levels and support the domain’s Service Level Agreements.
* Actively coach investigators on complex financial crime typologies, best practice and performance improvement, fostering a culture of excellence.
* Work closely with Operations Analysts to share emerging trends and ensure operational guidance is continuously updated and effectively embedded across the domain.
Qualifications
* Significant experience conducting end‑to‑end due diligence (KYB) and investigations on businesses (SMEs, corporates) 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 knowledge of financial crime, specifically deep exposure to Know Your Business (KYB) and Anti‑Money Laundering (AML) principles.
* Comprehensive understanding of UK and international financial crime trends and typologies, particularly impacts on business accounts (trade‑based money laundering, shell structures, illicit use of payment services).
* In‑depth knowledge of the UK Suspicious Activity Reporting (SAR) regime, including consent requirements and the legislative framework (POCA).
* Experience completing Enhanced Due Diligence (EDD) and/or Complex Customer Reviews and/or writing and reviewing SARs is advantageous.
* Experience coaching, mentoring or training peers or junior team members.
* Track record of identifying control/process improvement opportunities and working with stakeholders to implement change.
* Holding or working towards an appropriate qualification relevant to financial crime (e.g., ACAMS, ICA Diploma).
Start Date & Work Schedule
Start date: Monday 16th February 2026. Work 37.5 hours per week: Monday to Friday, 9 AM to 5:30 PM, with one full weekend (Saturday and Sunday) every four weeks and two days in lieu.
Benefits
* £29,450‑£37,250 salary + share options.
* Birthday off if scheduled to work (outside training period).
* Remote role in the UK with flexible working hours and support for home‑office set‑up (MacBook, additional support).
* ÂŁ1,000 annual learning budget for books, courses and conferences.
* Full list of company benefits available online.
Interview Process
* Application questions.
* Recruiter call.
* Full loop interview (values and technical questions).
The process typically takes around 2–3 weeks. Contact jessicawilson@monzo.com for questions or accessibility support.
The closing date for applications is Friday 21st November 2025 at 5 PM.
Equal Opportunities
Diversity and inclusion are a priority for us. We are committed to providing an inclusive environment for all people to do their best work with us. We’re an equal opportunity employer and consider all applicants without regard to age, ethnicity, religion, sex, sexual orientation, gender identity, family or parental status, national origin, 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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