Monzo is looking for a Financial Crime Investigator, Anti Money Laundering (AML) to help us make money work for everyone. You will analyze suspicious account activity flagged by our monitoring systems, take action to prevent financial crime, and support law enforcement investigations. This is a remote UK role with a structured shift pattern.
What You'll Do
- Analyze potentially unusual or suspicious behaviour on customer accounts flagged by our transaction monitoring system, and decide what action to take.
- Document suspicious activity and send it to the National Crime Agency to support their investigations.
- Lock down money obtained through fraud so it can be returned to victims.
- Close customer accounts when necessary, ensuring money is returned to the correct place.
- Respond to escalations about potential financial crime concerns from colleagues in the customer support team.
- Review and approve customer requests to increase their payment limits, helping ensure high value payments are made safely.
What We're Looking For
- 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’re excited by our mission of making money work for everyone.
- You are self-motivated and take ownership of your own performance.
- You're keen to invest in your personal development and continuous learning.
Nice to Have
- Experience conducting investigations in an operational setting with subject matter expertise, preferably in AML.
- Recent experience with emerging financial crime trends and typologies.
- You hold, or are happy to work towards, an ICA International Certificate in Anti Money Laundering, or a similar industry qualification.
- You are interested in learning about emerging trends in the world of financial crime.
Team & Environment
You'll be part of the Financial Crime Collective at Monzo.
Benefits & Compensation
- Salary: £26,000 - £31,100 + equity.
- £1,000 learning budget each year to use on books, training courses and conferences.
- Support for industry-recognised qualifications.
- 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.
- 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.
Work Mode
This is a remote position based in the UK.
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.
