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. 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 ❤️
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.
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.
* Conduct rigorous checks during onboarding and throughout the customer relationship.
* Unravel suspicious activity across a spectrum of financial crime typologies.
* Report, exit accounts, and implement controls when significant risk is identified.
FinCrime Business Banking Senior Investigator
As a Senior Investigator you will complete high‑risk, high‑complexity financial crime tasks on business accounts, while supporting team managers and coaching investigators to achieve quality and productivity goals.
* Take 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 such as 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.
* Coach investigators on complex financial crime typologies, best practice, and performance improvement, driving a culture of excellence.
* Collaborate closely with Operations Analysts to share emerging trends and ensure operational guidance is continuously updated.
* Provide clear, constructive, and kind feedback that motivates colleagues and enhances performance.
* Adapt swiftly to changing guidance, evolving processes, or shifting priorities in a fast‑paced environment.
* Maintain flexibility in task scheduling and readily adjust to short‑notice business needs.
* Be driven by a desire to have a tangible impact on the detection and prevention of financial crime, protecting Monzo and its customers.
Interview Focus
* Significant experience in end‑to‑end due diligence (KYB) and investigations on businesses (SMEs, corporates) in a regulated setting.
* Proven ability to conduct in-depth, high‑quality open‑source research 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.
* Understanding of current UK and international financial crime trends and typologies impacting business accounts.
* Comprehensive understanding of the UK Suspicious Activity Reporting (SAR) regime, including consent requirements and legislative framework (POCA).
Useful but Not Essential
* Direct experience completing Enhanced Due Diligence (EDD) and/or Complex Customer Reviews, and/or experience writing and reviewing/approving SARs.
* Formal or informal experience of coaching, mentoring, or training peers or more junior team members.
* Track record of identifying areas for control/process improvement and working with stakeholders to implement change.
* Appropriate qualification relevant to Financial Crime (e.g., ACAMS, ICA Diploma).
Start date: Monday 16th February 2026
Shifts
* 37.5 hours per week: Monday to Friday, 9 AM to 5:30 PM.
* Weekly full weekend (Saturday & Sunday) once every 4 weeks, with 2 set days in lieu.
Benefits & Culture
* Birthday leave bonus.
* Remote‑based role, fully supported to work from home with a MacBook.
* Flexible working hours.
* ÂŁ1,000 annual learning budget.
* Transparent, fair, inclusive culture that values diverse perspectives.
Closing date for applications: Friday 21st November 2025 at 5 PM.
Equal Opportunities for Everyone
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, veteran or neurodiversity status. Diversity and inclusion are a priority for us, and we are committed to fostering an inclusive environment for all people to do their best work at Monzo.
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