Senior Financial Crime Investigator - Business Banking

• Join Monzo's frontline defence against complex economic crime, safeguarding the ecosystem and customers — from startups to established SMEs — against sophisticated fraud and money laundering. • Take ownership of the most complex FinCrime Business Banking tasks including Enhanced Due Diligence for high-risk businesses, complex customer reviews, and multi-jurisdictional money muling investigations. • Work within a specialised, risk-focused Pillar building deep subject matter expertise to ensure financial integrity across the entire customer lifecycle. • Work fully remote from anywhere in the UK, with a start date of 12th October.

• Have deep KYB and AML expertise, with significant experience conducting end-to-end business due diligence (KYB/EDD) and complex investigations within a regulated financial setting. • Be a skilled researcher with a proven ability to leverage open-source intelligence and analysis to thoroughly corroborate customer profiles and transactional activity. • Have a 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. • Be 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.

• Have experience mentoring peers and coaching investigators on complex financial crime typologies and best practice. • Hold a relevant qualification such as ICA or ACAMS. • Have a track record of escalating process improvements within financial crime operations. • Bring experience writing, reviewing, and submitting Suspicious Activity Reports to the National Crime Agency. • Have experience working with operations analysts to share emerging trends and update operational guidance.

• Take ownership of the most complex FinCrime Business Banking tasks including Enhanced Due Diligence for high-risk businesses, complex customer reviews such as sensitive areas like Sexual Services flags, and multi-jurisdictional money muling investigations. • Write, review, and submit high-quality Suspicious Activity Reports to the National Crime Agency, ensuring they meet the highest legal and evidential standards. • Maintain a regular schedule on core investigative tasks to sustain competency levels, directly support the domain's Service Level Agreements, and remain connected to frontline challenges. • Actively coach Investigators on complex financial crime typologies, best practice, and performance improvement to help drive a culture of excellence. • Work closely with Operations Analysts to share emerging trends and ensure operational guidance is continuously updated and effectively embedded across the domain.

We have been Monzo customers for years and have always loved their beautiful, simple app UI. We believe their product has a positive impact on millions of customers, motivating them to be more conservative with their spending and helping them save money. Monzo, as a company, has consistently grown over the past 10 years and is known for its strong company culture, generous benefits, and leadership that strives to be truly transparent and cares about its colleagues. It is a company that helps you advance your career and grow as a professional, working with great teams. If you like to join a thriving, upcoming bank and help millions of customers lead a financially sound life, Monzo gives you the opportunity to push ahead.

• Earn £31,100–£39,350 plus incentive awards tied to performance. • Work fully remote from anywhere in the UK. • Get your birthday off if it falls on a scheduled work day. • Access a £1,000 annual learning budget for books, training courses, and conferences. • Receive a full work-from-home setup including a MacBook, with extra support for fully remote workers.

Monzo is on a mission to make money work for everyone. Starting as a prepaid card, the product offering has grown over 10 years in the UK to include personal and business bank accounts, joint accounts, accounts for 16–17 year olds, free kids accounts, credit cards, savings, investments, and pension combining. The Senior Financial Crime Business Banking Investigator team serves as Monzo's frontline defence against complex economic crime, conducting rigorous onboarding and ongoing compliance checks, unravelling complex financial crime typologies, and directly mitigating risk through thorough investigation, reporting, and account closures.