Senior Financial Crime Investigator, Out of hours, Business Banking
Level inferred from job title
Job description
A Senior Financial Crime Business Banking Investigator role at Monzo, conducting complex KYB/AML investigations and submitting Suspicious Activity Reports to the National Crime Agency. The role is fully remote within the UK and involves shift work.
At a glance
- Employment
- Full-time · Employee (employment agreement)
- Work mode
- Remote · United Kingdom
- Languages
- English
- Pay
- GBP 31,100 – 39,350 / year
What you'll do
- Taking ownership of the most complex FinCrime Business Banking tasks, including multi-jurisdictional money muling investigations and Transaction Monitoring Reviews
- Writing, 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 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
- Salary range of £31,100 - £39,350 plus shift allowance + 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
- MacBooks provided, and fully remote workers receive extra support for their work-from-home environment
- Shift allowance of £2,503 for the 5pm-1:30am shift or £5,004 for the 12:30am-9am shift
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 is waving goodbye to the complicated and confusing ways of traditional banking. With hot coral cards and 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 customers.
Mission
Making money work for everyone.
Key facts
- Banking
- Hot coral cards
- Get-paid-early feature
- Financial education on social media
- Award winning customer service
What they value
- Diversity and inclusion