Financial Crime Business Banking Investigator

Monzo; City Of London; Remote; GBP 26,000 - 32,000; Full time

Job summary

A leading financial technology company in London is looking for a Financial Crime Business Banking Investigator to analyze potentially suspicious activities in business accounts. Responsibilities include documenting suspicious actions, reviewing new account applications, and ensuring compliance with regulations. The ideal candidate has operational fraud experience and excellent problem-solving skills. This role offers a competitive salary of £26,000 – £31,100, share options, and flexible working hours.

Benefits

Flexible working hours

£1,000 learning budget

Work-from-home setup support

Guaranteed time off on your birthday

Qualifications

• Experience in a regulated industry, preferably retail or business banking.
• Interest in financial crime trends.
• Confidence in difficult decision-making.

Responsibilities

• Analyse suspicious behaviour on business accounts.
• Document and report suspicious activity.
• Review account applications.

Skills

Operational fraud or financial crime experience

Handling challenging customer cases

Strong written English

Data analysis

Problem-solving

Job description

Overview

Financial Crime Business Banking Investigator

Monzo London, United Kingdom

Posted 16 hours ago • Permanent • Competitive

Start date - Monday 24th November 2025

Shifts - You'll work 37.5 hours per week. This means you'll work Monday to Friday, from 9AM to 5:30PM, with a one hour lunch break. You'll also work one full weekend (Saturday and Sunday), once every 5 weeks with 2 set days in lieu when working the weekend.

Responsibilities

• Analysing potentially unusual or suspicious behaviour on business accounts flagged by our transaction monitoring system, and deciding what action (if any) Monzo should take.
• Documenting suspicious activity you identify in your role, and sending it to the National Crime Agency to support them with their investigations.
• Reviewing account applications from new business customers.
• Locking down money that has been obtained through fraud, so that it can be returned to victims.
• Closing business accounts, when this is necessary, and ensuring money is returned to the correct place.
• Responding to escalations about potential financial crime concerns on business accounts.
• You will initially be trained on a few tasks with upskilling to all tasks over time.

Qualifications / What we’re looking for

• You have experience of handling challenging customer cases in a regulated industry, or have existing operational fraud or financial crime experience (in retail or business banking).
• This might mean that you handle difficult complaints, investigate fraud or transaction disputes, make tough customer onboarding decisions, work with customers to build repayment plans, or review potential money laundering concerns.
• We’ll also consider any other relevant experience that would add value in this role.
• You are interested in learning about emerging trends in the world of financial crime.
• 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 are self-motivated and take ownership of your own performance to achieve your goals.
• You're keen to invest in your personal development and continuous learning - we’ll even support you in signing up for industry-recognised qualifications.

Flexibility and role scope

Although this role is advertised for Financial Crime Business Banking, we may ask you to flex between our other Financial Crime pillars - Anti Money Laundering, Screening or Law Enforcement at any time. Which is great for your career and skills development and we’ll always give you additional training anytime we ask you to take on new task types!

What’s in it for you

• £26,000 – £31,100 + share options
• 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.
• This role is based remotely working within the UK.
• We offer flexible working hours and trust you to work enough hours to do your job well, and at times that suit you and your team.
• £1,000 learning budget each year to use on books, training courses and conferences.
• 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.
• + Plus lots more! Read our full list of benefits.

The application journey

This process should take around 2-3 weeks - your schedule is really important to us, so we promise to be as flexible as possible.

We have some guidelines on using Artificial Intelligence (AI) to ace an application and interview at Monzo. You can read them here.

We’ll only close this role once we have enough applications for the next stage. Please submit your application as soon as possible to make sure you don’t miss out.

How to apply and contact

If you have any questions, please reach out to [e-mail]. You can also use this email address to let us know if there’s anything we can do to make the process easier for you because of disability, neurodiversity or anything else.

Equal opportunities

Equal opportunities for everyone: Diversity and inclusion are a priority for us and we’re making sure we have lots of support for all of our people to grow at Monzo. 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, veteran status, neurodiversity or disability status. If you have a preferred name, please use it to apply. We don’t need full or birth names at application stage.

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