Financial Crime Investigator, Anti Money Laundering (AML)

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

Job summary

A leading financial technology company is seeking an Anti-Money Laundering Investigator to analyze customer behaviors, document suspicious activities, and contribute to financial crime prevention efforts. This role involves working 37.5 hours a week, including one full weekend shift every 8 weeks. Applicants should have investigative experience and strong analytical skills. A commitment to continuous learning is encouraged, with support for industry-recognized qualifications.

Benefits

£1,000 learning budget

Work from home setup support

Birthday time off

Qualifications

• Experience conducting investigations in an operational setting.
• Recent experience with emerging financial crime trends.
• Ability to explain complex ideas simply.

Responsibilities

• Analyze potentially suspicious customer behavior.
• Document suspicious activities for investigations.
• Respond to escalations from customer support.

Skills

Analytical thinking

Problem-solving

Written communication

Education

ICA International Certificate in Anti Money Laundering

Job description

Overview

Cardiff, London or Remote (UK)

<b>We’re on a mission to make money work for everyone.</b>

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 ❤️

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 8 weeks. No holidays can be taken during the training/embedding period which is expected to last 7-8 weeks.

Role and purpose

Our Mission in the Financial Crime Collective is to earn and keep our customers’ trust, support Monzo’s safe growth, and contribute to building a safer society.

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 Anti-Money Laundering Investigators and help us on our mission to make money work for everyone.

Responsibilities

• Analysing potentially unusual or suspicious behaviour on customer 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.
• Locking down money that has been obtained through fraud, so that it can be returned to victims.
• Closing customer accounts, when this is necessary, and ensuring money is returned to the correct place.
• Responding to escalations about potential financial crime concerns from your colleagues in the customer support team.
• Reviewing and approving customer requests to increase their payment limits, to help ensure high value payments are made safely.

Qualifications and experience

• You have experience conducting investigations in an operational setting with subject matter expertise preferably in AML.
• You have recent experience with emerging financial crime trends and typologies.
• You hold, or are happy to work towards, an ICA International Certificate in Anti Money Laundering, or similar industry qualification.
• 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’re excited by our mission of making money work for everyone.
• You are self-motivated and take ownership of your own performance.
• You're keen to invest in your personal development and continuous learning - we’ll even support you in signing up for industry-recognised qualifications.

Equal opportunity and inclusion

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!

Although this role is advertised for Anti Money Laundering, we may ask you to flex between our other Financial Crime pillars - Business Banking Fincrime, Screening or Law Enforcement. We’ll always give you additional training though anytime we ask you to take on new skills or task types!

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.
• 📍UK Remote Based Role
• £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 journey has 3 key steps

• Application questions (we recommend about 250 words per question but please take your time, we read these carefully!)
• 1 hour interview, Values & Role specific

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.

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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 😊

Identity survey

Our goal at Monzo is to make money work for everyone. To do that, working at Monzo must work for everyone. We want to create an equitable, engaged and innovative workplace which gives people from all backgrounds the support they need to thrive and grow.

Making Monzo work for everyone starts right at the beginning of every Monzonaut's journey: when they apply to work here. This demographic survey will help us better understand the people who apply to work at Monzo. It'll help us see how different groups progress through our hiring process, and where we need to make improvements to be more inclusive. If you choose to fill it out, all of the information you give us is:

• Voluntary . And we've included a "prefer not to say" option for every question. It'd be helpful if you still fill out the survey even if you choose "prefer not to say" for every question, as it's useful for us to understand & record this. We won't know if you choose to fill this survey in or not.
• Anonymous to Monzo . We can't tie your responses to you and they won't make a difference to the outcome of your application. We'll only use grouped responses for equal opportunities monitoring in our hiring process.

By filling out this survey, you agree that we can use your responses for the purposes we've mentioned above. You are not letting us know if we need to make any adjustments to the hiring process because of disability or neurodiversity - to do this please email us.

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