Senior Financial Crime Investigator, Business Banking
Level inferred from job title
Job description
A Senior Financial Crime Business Banking Investigator role at Monzo, conducting complex investigations, enhanced due diligence and SAR reporting for business banking customers. The role is fully remote within the UK and sits in a specialised financial crime Pillar team.
At a glance
- Employment
- Full-time · Employee (employment agreement)
- Work mode
- Remote
- Pay
- GBP 31,100 – 39,350 / year
What you'll do
- Taking ownership of the most complex FinCrime Business Banking tasks, including Enhanced Due Diligence (EDD) for high-risk businesses, Complex Customer Reviews (e.g., sensitive areas like Sexual Services flags), and multi-jurisdictional money muling investigations
- Writing, reviewing, and submitting high-quality Suspicious Activity Reports (SARs) to the National Crime Agency (NCA), ensuring they meet the highest legal and evidential standards
- Maintaining a regular schedule on core investigative tasks to sustain competency levels, directly support the domain's Service Level Agreements (SLAs), and remain connected to frontline challenges
- Actively coaching Investigators on complex financial crime typologies, best practice, and performance improvement to help drive a culture of excellence
- Working closely with Operations Analysts to share emerging trends and ensure that operational guidance is continuously updated and effectively embedded across the domain
What we're looking for
- Deep KYB & AML expertise, with significant experience conducting end-to-end business due diligence (KYB/EDD) and complex investigations within a regulated financial setting
- Skilled researcher, with a proven ability to leverage open-source intelligence and analysis to thoroughly corroborate customer profiles and transactional activity
- Strong grasp of UK and international financial crime trends affecting business accounts and the UK SAR regime
- Thrive in a fast-paced environment, maintaining high flexibility and adapting positively to shifting priorities, new guidance, and process changes at short notice
- Impact-driven, with a genuine desire to protect Monzo and its customers by making a tangible difference in the detection and prevention of financial crime
- Leadership and improvement skills, ideally with experience mentoring peers, a track record of escalating process improvements, or a relevant qualification (such as ICA or ACAMS)
Your team
Senior Financial Crime Business Banking Investigator Team
Monzo's frontline defence against complex economic crime, safeguarding the ecosystem and customers, from startups to established SMEs, against sophisticated fraud and money laundering. Operating within a specialised, risk-focused "Pillar," the team conducts rigorous onboarding and ongoing compliance checks, unravelling complex financial crime typologies, and directly mitigating risk through thorough investigation, reporting, and account closures.
Benefits
All employees are provided with MacBooks, and fully remote workers receive extra support for their work-from-home environment
- Salary range of £31,100 - £39,350 + Incentive Awards tied to your performance
- Guaranteed approval of time off on your birthday if it falls on a scheduled work day (outside of your training period)
- Fully remote and based within the UK
- A £1,000 annual budget to spend on books, training courses, and conferences
How to get hired
- 1Application questions
- 2Recruiter call – a 30-minute video call to assess skills fit
- 3Hiring Manager interview – a 60-minute video call focusing on values and technical questions
Apply
About Monzo
We're on a mission to make money work for everyone.
Monzo started as a prepaid card and its product offering has grown a lot in the last 10 years in the UK. As well as personal and business bank accounts, Monzo offers joint accounts, accounts for 16-17 year olds, a free kids account and credit cards in the UK. UK customers can also save, invest and combine their pensions with Monzo. With hot coral cards and a get-paid-early feature, combined with financial education on social media and award winning customer service, Monzo has a long history of creating magical moments for its customers.
Mission
Making money work for everyone.
Key facts
- Banking
- Started as a prepaid card
- Product offering has grown a lot in the last 10 years in the UK
- Offers personal and business bank accounts, joint accounts, accounts for 16-17 year olds, a free kids account and credit cards in the UK
- UK customers can save, invest and combine their pensions with Monzo
- Known for hot coral cards and a get-paid-early feature
- Financial education on social media and award winning customer service
What they value
- We're not about selling products - we want to solve problems and change lives through Monzo