Monzo is seeking a Fraud Investigator to join our Prevent pillar within the Financial Crime & Fraud Collective. In this vital role, you will provide intervention and response to customers experiencing potential active fraud attempts, gathering evidence and supporting them through the process.

What You'll Do

Gather evidence from flagged transaction data.
Investigate the nature of suspicious transactions with empathy and attention to detail over the phone and via chat.
Reassure and support customers through the process of identifying active fraud.
Independently make decisions on cases and release or block flagged transactions.
Collaboratively make decisions on cases and release or block flagged transactions.
Triage cases.
Review limit increase requests from customers.
Submit accounts for closure where first party concerns are held following investigation.
Safeguard compromised accounts and take appropriate remedial action.
Provide advice and support to victims of fraud on future protection.
Complete any post-investigation activity as required.

What We're Looking For

Must have worked in a Fraud role within Financial Services.
Ability to start on Monday 27th October OR Monday 24th November 2025 and attend 6 weeks training, Monday to Friday 9am to 5:30pm (no holidays or appointments during training).
Excellent English written & verbal communication skills.
Ability to be persuasive and empathetic.
Confidence in investigating and problem solving and confident & concise decision-making.
Ability to work well independently & be collaborative with the wider team.
Values driven approach in line with Monzo’s core values.
You are a UK resident currently living in the UK and have the right to work in the UK.
Must be available Monday to Sunday between 9am and 10pm, working 4 days per week on a rota.

Nice to Have

Experience in banking or other financial services such as FOS, HMRC.
A law enforcement background.
Familiarity with common fraud typologies.

Team & Environment

This role is part of the Financial Crime & Fraud Collective, specifically within the Prevent pillar.

Benefits & Compensation

Compensation: £26,000 - £31,400 + Benefits
Distributed (work from home) role, with option to work from Cardiff office.
Learning budget of £1,000 a year for books, training courses and conferences.
Guaranteed time off on your birthday if it falls on a scheduled work day (outside training).

Work Mode

This is a remote role open to candidates living and working within 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.