Monzo is looking for a Financial Crime Business Banking Investigator to help protect our customers from fraud and financial crime. In this role, you will be responsible for analyzing suspicious activity on business accounts, making critical decisions, and reporting to authorities.
What You'll Do
- Analyze potentially unusual or suspicious behaviour on business accounts flagged by transaction monitoring systems.
- Decide what action Monzo should take regarding flagged accounts.
- Document suspicious activity and send reports to the National Crime Agency.
- Review account applications from new business customers.
- Lock down money obtained through fraud to return it to victims.
- Close business accounts when necessary and ensure money is returned correctly.
- Respond to escalations about potential financial crime concerns on business accounts.
What We're Looking For
- Experience handling challenging customer cases in a regulated industry, or existing operational fraud or financial crime experience, in retail or business banking.
Nice to Have
- Interest in learning about emerging trends in financial crime.
- Ability to connect dots, spot patterns in data, and independently solve problems.
- Confidence making difficult, customer-impacting decisions.
- Strong written English and ability to explain complex ideas simply.
- Self-motivated with ownership of personal performance.
- Keen to invest in personal development and continuous learning.
Team & Environment
You will be part of the Financial Crime team and may flex between pillars such as Anti Money Laundering, Screening, and Law Enforcement.
Benefits & Compensation
- Compensation: £26,000 - £31,100
- £1,000 learning budget each year for books, training courses, and conferences.
- Guaranteed time off approval for your birthday if it falls on a scheduled work day.
- Flexible working hours.
- Work-from-home setup provided (Macbook, extra support for fully remote workers).
- Share options.
Work Mode
This role can be based in our Cardiff or London offices, or remotely within the UK.
Monzo is 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.
