Senior Financial Crime Investigator, Business Banking, EU, Fluent Spanish and English

Monzo; City Of London, Cardiff; Hybrid; GBP 40,000 - 60,000; Full time

Job summary

A growing fintech company is seeking a Senior Financial Crime Investigator to handle anti-money laundering activities and provide expertise to various teams. This role offers a flexible remote work arrangement. Applicants must have strong communication skills in English and Spanish, alongside significant experience in financial crime investigations. Join us in making a difference in financial banking across the EU.

Benefits

£1,000 learning budget for training

MacBook provided for remote work

Flexible remote work arrangement

Qualifications

• Proven ability to communicate effectively in English and Spanish.
• Significant experience in financial crime investigations.
• Familiarity with regulatory compliance in financial services.

Responsibilities

• Investigate high-risk anti-money laundering alerts.
• Recommend Suspicious Transaction Reports to the bank.
• Conduct ongoing due diligence on business accounts.
• Provide financial crime expertise to operational teams.

Skills

Strong English written and verbal communication skills

Fluent in Spanish (CEFR C1 level or higher)

Experience with high-risk business banking screening

Independent financial crime decision-making

Knowledge of the financial crime landscape in the UK and EU

Job description

Overview

Senior Financial Crime Investigator, Business Banking, EU, Fluent Spanish and English. Location: Cardiff, London or Remote (UK).

We’re Monzo, a bank on a mission to make money work for everyone. We’re expanding in the EU and seeking experienced Senior Investigators to lead the charge in financial crime investigations for business banking.

Responsibilities

• Investigate complex or high-risk anti-money laundering alerts on business accounts.
• Recommend Suspicious Transaction Reports (STR) to Monzo Bank EU.
• Make onboarding decisions for high-risk or complex cases involving business customers.
• Conduct ongoing due diligence on high-risk business accounts.
• Provide financial crime expertise and support to other operational teams across the business.

Qualifications

• Strong English written and verbal communication skills.
• Fluent in Spanish (written and verbal) to CEFR C1 level or higher.
• Experience with high-risk business banking screening or complex financial crime investigations.
• Experience making independent, risk-based financial crime decisions in a regulated financial services firm.
• Knowledge of the current financial crime landscape in the UK and the EU, and associated risks.

Working pattern and start date

The working hours are 8:00–18:30, based on an 8.5-hour day (1-hour lunch). The successful candidate should be flexible to meet customer demand. Start date: Monday 5 January; commitment to the first 8 weeks is required with no holidays during this training period. This role is remote-based in the UK.

What’s in it for you

• £1,000 learning budget each year for books, training courses, and conferences.
• MacBook provided; additional support for home-work setup for fully remote workers.
• Remote-first arrangement with support to work from home.

Apply now and help us make money work for everyone in the EU.

Application process

• Call with a Recruiter.
• Interview to discuss experience, technical knowledge and values.
• Spanish language assessment as part of the final step.

Equal opportunities Monzo is an equal opportunity employer. We welcome applicants from diverse backgrounds and encourage everyone to apply—even if you don’t meet every listed requirement.

We have guidelines on using AI to ace an application. Our average process takes 2–3 weeks, and we adapt to your availability. For questions, contact [e-mail].

Closing date for applications: Friday 10 October 2025.