Senior Financial Crime Investigator, Out Of HoursNew

Monzo; City Of London; Remote; GBP 24,000 - 28,000; Full time

Job summary

A progressive financial service company in London is looking for individuals to join their Financial Crime Overnight Team. This remote position involves making crucial decisions on flagged accounts, writing reports, and engaging with other institutions regarding fraud. Ideal candidates will have experience in financial crime, strong problem-solving skills, and be comfortable in a flexible working environment. Offers include a £1,000 learning budget and remote work support.

Benefits

£1,000 learning budget

Remote work support

Birthday time off

Qualifications

• Experience in operational financial crime or fraud teams.
• Interest in anti-money laundering or fraud trends.
• Ability to explain complex topics clearly.

Responsibilities

• Make decisions about customer accounts flagged by transaction monitoring.
• Write suspicious activity reports for Monzo and the National Crime Agency.
• Engage with other banks regarding fraudulent behavior.

Skills

Experience in operational financial crime or fraud

Interest in anti-money laundering trends

Problem-solving skills

Judgment-based decision making

Strong written English

Job description

Overview

We’re on a mission to make money work for everyone. We’re moving away from the complicated and confusing ways of traditional banking. With our hot coral cards and get-paid-early feature, plus financial education on social media and award-winning customer service, we strive to create magical moments for our customers. We’re not about selling products—we want to solve problems and change lives through Monzo.

8 weeks training, fully remote, training will be Monday – Friday 9am – 5:30pm

As part of the application process, we’ll ask you more about the below shift patterns. This role requires you to be fully flexible to accommodate both possible shift rotations.

Shift patterns

• 5pm–1:30am with a 1 in 3 weekend rotation
• 12:30am–9am with a 1 in 3 weekend rotation

Pay and allowances

• Base salary per year: £24,036 (£2,503 per month)
• £208 monthly allowance on top of base salary (for the 5pm–1:30am shift)
• £417 monthly allowance on top of base salary (for the 12:30am–9am shift)

Our Financial Crime Overnight Team

We are looking for night owls who love solving problems and keeping up-to-date with the latest financial crime and fraud trends to join our late team, working either 5pm–1:30am or 12am–9am, helping Monzo make money work for everyone. We complete a diverse range of fraud and financial crime tasks to ensure we keep Monzo and our customers safe around the clock.

We believe the Overnight team is best placed to protect our customers and Monzo when they have a holistic understanding of the threats we need to prevent. All financial crime and fraud work is tackled as one Overnight team with multi-skilled individuals, giving you exposure to and training on a variety of tasks during your career at Monzo.

One of our current Out of Hours Investigators shares:

“Working as an Out of Hours Anti-Money Laundering Investigator has allowed me to build on my existing skill-set and gain a level of daytime freedom. In the evenings and nights I help to keep our business safe while also supporting the team, and during the day I’m free to take care of chores, spend time with friends and family, and study.”

“The £1,000 learning budget Monzo grants per year has enabled me to sign up for advanced courses to hone my Investigator skills. Several peers are doing this, which helps us develop our industry knowledge and build a network of colleagues.”

“Initially, I found the pace challenging because Monzo operates differently from my previous employer. The Out of Hours team helped me every step of the way, building my confidence and offering second opinions on trickier tasks. Now I’m up-to-speed, and the most rewarding part is helping others—something we’re building into my development plan.”

Key responsibilities

• Make decisions about what to do with customer accounts flagged by our transaction monitoring system
• Write suspicious activity reports for Monzo and the National Crime Agency
• Engage with other banks and financial institutions about reports of fraudulent behaviour
• Secure fraudulent funds so they can be returned to victims

We’d love to hear from you if…

• You have experience in operational financial crime, fraud, or screening teams, or relevant experience to be considered
• You have a keen interest in anti-money laundering or fraud trends
• You love connecting the dots and solving problems
• You are comfortable making judgement-based decisions in a changing environment
• You’re great at explaining things and have strong written English
• You’re excited by our mission of making money work for everyone

What’s in it for you

• Remote-based role in the UK
• £1,000 learning budget each year for books, training courses and conferences
• Macbooks provided; fully remote employees receive additional support for home setup
• Birthday time off guaranteed if it falls on a scheduled workday during the training period

Application journey

• Initial application questions (taken seriously, we read carefully)
• A call with the Recruiter
• Values & role-specific technical skills interview to assess Financial Crime knowledge

Please note we will close the role once we have enough applications for the next stages. Submit your application asap. Our average process takes about 2–3 weeks. You will have opportunities to speak with our recruitment team during the process. If you have questions, please contact [e-mail].

#LI-REMOTE #LI-SW

Equal opportunities

Diversity and inclusion are priorities at Monzo. We foster an inclusive environment for all people to do the best work of their lives. You can read more in our blog and diversity reports.

We’re an equal opportunity employer. All applicants will be considered for employment without regard 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.