Financial crime business banking investigator

Financial Crime Business Banking Investigator

🚀 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 ✨ UK Remote | £26,000 - £31,100 + Benefits | Hear from the team ✨


Responsibilities

* Analyzing potentially unusual or suspicious behaviour on business accounts flagged by our transaction monitoring system, and deciding what action (if any) Monzo should take.
* Documenting suspicious activity you identify in your role, and sending it to the National Crime Agency to support them with their investigations.
* Reviewing account applications from new business customers.
* Locking down money that has been obtained through fraud, so that it can be returned to victims.
* Closing business accounts, when this is necessary, and ensuring money is returned to the correct place.
* Responding to escalations about potential financial crime concerns on business accounts.
* You will initially be trained on a few tasks with upskilling to all tasks over time.


Qualifications

* You have experience of handling challenging customer cases in a regulated industry, or have existing operational fraud or financial crime experience (in retail or business banking).
* This might mean that you handle difficult complaints, investigate fraud or transaction disputes, make tough customer onboarding decisions, work with customers to build repayment plans, or review potential money‑laundering concerns.
* We’ll also consider any other relevant experience that would add value in this role.
* You are interested in learning about emerging trends in the world of financial crime.
* You love connecting dots, spotting patterns in data, and independently solving problems.
* You feel confident making difficult, customer‑impacting decisions.
* You’re great at explaining complex ideas simply, and have strong written English.
* You are self‑motivated and take ownership of your own performance to achieve your goals.
* You are keen to invest in your personal development and continuous learning – we’ll even support you in signing up for industry‑recognised qualifications.


Start Date and Working Hours

Start date – Monday 19th January 2026. You’ll work 37.5 hours per week, Monday to Friday from 9:00 AM to 5:30 PM, with a one‑hour lunch break. You’ll also work one full weekend (Saturday and Sunday) once every 5 weeks, with 2 set days in lieu when working the weekend.


Benefits and Compensation

£26,000 – £31,100 + share options. We guarantee time off on your birthday if it falls on a scheduled workday and is outside your training period. The role is based remotely within the UK. 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. Macbooks provided to all employees; for fully remote workers we will provide extra support for your work‑from‑home setup. Plus lots more – read our full list of benefits.


Application Process

* Application questions – we recommend about 250 words per question.
* Recruiter call.
* 1‑hour interview, values & role specific.

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.


Equal Opportunities and EEO

Equal opportunities for everyone – diversity and inclusion are a priority for us. 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 😊

#J-18808-Ljbffr