Financial Crime Business Banking Investigator

Monzo; United Kingdom; Remote; GBP 30,000 - 45,000; Full time

Job summary

Monzo is seeking a Financial Crime Business Banking Investigator to join their team. This role involves analyzing suspicious activities, documenting findings, and communicating with regulatory agencies to support investigations. The position offers a chance to build a rewarding career in financial crime prevention, with opportunities for training and personal development.

Benefits

Flexible working hours

£1,000 annual learning budget

Home office setup support

Guaranteed time off on your birthday

Qualifications

• Experience in handling challenging customer cases in a regulated industry.
• Interest in learning about emerging trends in financial crime.
• Ability to connect dots and spot patterns in data.

Responsibilities

• Analyze suspicious behavior on business accounts and decide appropriate actions.
• Document findings and report to the National Crime Agency.
• Review account applications for new business customers.

Skills

Written English

Problem Solving

Analytical Skills

Job description

Financial Crime Business Banking Investigator

We’re on a mission to make money work for everyone.

We’re waving goodbye to the complicated and confusing ways of traditional banking.

With our hot coral cards and get-paid-early feature, combined with financial education on social media and our award winning customer service, we have a long history of creating magical moments for our customers!

We’re not about selling products - we want to solve problems and change lives through Monzo ️

Are you looking to start, or continue building, a career in financial crime prevention? We are looking for proven problem solvers to join our team as Business Banking Financial Crime Investigators and help us on our mission to make money work for everyone.

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
• 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’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.

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!

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.

Not ticking every box? That’s totally okay! Studies show that women and people of colour might hesitate to apply unless they meet every single requirement. At Monzo, we’re dedicated to creating a diverse and welcoming team. If you’re passionate about this role and keen to learn and grow with us, we encourage you to apply— even if you don’t have everything that's listed just yet. Drop us your application, we’d love to hear from you!

What’s in it for you

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.

The application journeyhas 2 key steps

Full loop interviews

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.

You’ll hear from us throughout the application process, but if you’ve got 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.

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.

LI-SW #LI-REMOTE

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. At Monzo, we’re embracing diversity by fostering an inclusive environment for all people to do the best work of their lives with us. This is integral to our mission of making money work for everyone. You can read more in our blog , 2024 Diversity and Inclusion Report and 2024 Gender Pay Gap Report.

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.

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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