Fraud Investigator Prevent

Monzo; Remote; GBP 26,000 - 32,000; Full time

Job summary

A leading digital bank is seeking a Fraud Investigator to help ensure customer safety in Greater London. You'll be responsible for investigating potential fraud through data analysis and customer interaction. Ideal candidates will have experience within financial services and a strong understanding of fraud typologies. The position offers a remote work model with competitive pay ranging from £26,000 to £31,400 depending on experience, alongside a rich benefits package.

Benefits

Learning budget of £1000 per year

Time off on your birthday

Flexible work environment

Qualifications

• Experience in a fraud role within Financial Services is essential.
• Values-driven approach in line with Monzo's core values.
• UK resident with the right to work in the UK.

Responsibilities

• Gather evidence from flagged transaction data.
• Investigate suspicious transactions with empathy.
• Make decisions on cases related to fraud.

Skills

Excellent English written & verbal communication skills

Ability to be persuasive and empathetic

Experience in banking or financial services

Confidence in investigating and problem-solving

Familiarity with common fraud typologies

Job description

Were on a mission to make money work for everyone.

Were waving goodbye to the complicated and confusing ways of traditional banking.

After starting as a prepaid card our product offering has grown a lot in the last 10 years in the UK. As well as personal and business bank accounts we offer joint accounts accounts for 16-17 year olds a free kids account and credit cards in the UK with more exciting things to come beyond. Our UK customers can also save invest and combine their pensions with us.

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!

Were not about selling products - we want to solve problems and change lives through Monzo

Hear from our UK team about what its like working at Monzo

Remote UK 26000 - 31400 (depending on experience displayed in the CV and interview) Benefits Hear from the team

Condensed shifts working 4 condensed days per week shifts will be 9am - 7 / 7 : 30pm and 11 : 30am / 12 - 10pm working 4 full weekends in a 12 week rota.

Start Date - Monday 19th January 2026

Please only apply for this role if you have worked in a Fraud role within Financial Services.

Our Prevent team

What you'll be doing

• Authorised card payment fraud
• Authorised faster payment fraud
• Please note as part of your role you will be required to make outbound calls.

Our Mission in the Financial Crime & Fraud Collective is to earn and keep our customers trust support Monzos safe growth and contribute to building a safer society. Our Fraud Investigators are crucial to the success of this mission.

You’ll play a key role by

Fraud Investigators within our Prevent pillar work within unregulated but critical deadlines.

Key responsibilities include

• Gathering evidence from flagged transaction data
• Use of Monzos values to investigate the nature of suspicious transactions with empathy and attention to detail over the phone and via chat
• Use of Monzos values to reassure and support customers through the process of identifying active fraud
• Independently make decisions on cases and release or block flagged transactions
• Collabatively make decisions on cases and release or block flagged transactions
• Triaging cases
• Reviewing limit increase requests from customers
• Submitting accounts for closure where first party concerns are held following investigation (in line with relevant guidance)
• Safeguarding compromised accounts and taking appropriate remedial action to ensure customers can resume safe usage of their Monzo account
• Providing advice and support to victims of fraud on how they can protect themselves in the future
• Completing any post-investigation activity as required

Shifts

• Youll need to be available Monday to Sunday between 9am and 10pm you will work 4 days and have 3 rotad days off per a 12 week rotation youll work 4 full weekends and have 4 weeks of 10pm finishes.

Wed love to hear from you if

• You are able to start on Monday 19th January 2026 and attend 6 weeks training Monday to Friday 9am to 5 : 30pm (please note that we do not allow holidays or appointments during training)
• Experience in banking or other financial services such as FOS HMRC
• A law enforcement background
• Youre great at explaining things to people
• Youre excited by our mission of making money work for everyone.
• Excellent English written & verbal communication skills
• Ability to be persuasive and empathetic
• Familiarity with common fraud typologies
• Confidence in investigating and problem solving and confident & concise decision-making
• Ability to work well independently & be collaborative with the wider team
• Values driven approach in line with Monzos core values
• You are a UK resident currently living in the UK and have the right to work in the UK.

The application journey has 2 key steps

• Some initial application questions (please take your time we read these carefully!)
• Recruiter call - this is an informal chat and no need to prepare anything!
• A remote interview lasting approximately 1 hour

Our average process takes around 2-3 weeks. You will have the chance to speak to our recruitment team at various points during your process but if you do have any specific questions ahead of this please contact us.

What's in it for you

• This is a distributed (work from home) role but you can be based in our Cardiff office if you would prefer to work in an office environment
• Learning budget of 1000 a year for books training courses and conferences
• We guarantee to approve time off on your birthday if it falls on a day youre scheduled to work and its outside of your training period.
• And much more see our full list of benefits here

To work remotely you'll also need

• to work from home in the UK in a safe private and distraction free environment
• a solid internet connection (download speed - 10mbps; upload speed - 5 mbps)

Equipment

• Well provide you with a Macbook laptop on your first day. Theres no need to supply your own.
• You do need to own your own smartphone this will be needed each time you log into our customer support system.

#LI-Remote #LI-SW

Equal opportunities for everyone

Diversity and inclusion are a priority for us and were making sure we have lots of support for all of our people to grow at Monzo. At Monzo were 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.

Were 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 dont need full or birth names at application stage

Key Skills

Risk Management,Bank Secrecy Act,Fraud,PCI,Law Enforcement,Banking,Business Management,Regulatory Reporting,Analysis Skills,Customer Support,UCC Law,RMF

Employment Type : Temp

Experience : years

Vacancy : 1