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

Monzo; City Of London, Cardiff; Hybrid; GBP 60,000 - 80,000; Full time

Job summary

A financial services company is seeking a Senior Financial Crime Investigator to handle anti-money laundering investigations and provide expertise to teams across the organization. The ideal candidate is fluent in Spanish and English, with strong experience in financial crime investigations. This role allows for flexibility in remote work within the UK and offers a supportive environment with a focus on employee well-being.

Benefits

£1,000 learning budget annually

Time off on your birthday

Work-from-home setup support

Qualifications

• Strong experience conducting high-risk customer screening.
• Experience making independent financial crime decisions.
• Knowledge of UK and EU financial crime landscape.

Responsibilities

• Investigating complex anti-money laundering alerts.
• Recommending Suspicious Transaction Reports (STR).
• Making onboarding decisions in high-risk cases.
• Providing financial crime expertise to operational teams.

Skills

Fluent English

Fluent Spanish (CEFR C1)

Strong investigative skills

Communication skills

Job description

Overview

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

Cardiff, London or Remote (UK)

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. Hey there! We\’re Monzo, the bank that\’s making money work for everyone. We\’re expanding in the EU and need awesome Senior Investigators to lead the charge.

Responsibilities

• Investigating complex or high-risk anti-money laundering alerts on customer accounts.
• Being responsible for recommending Suspicious Transaction Reports (STR) be filed by Monzo Bank EU.
• Making customer onboarding decisions in high-risk or complex cases.
• Providing 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 communication skills (to at least CEFR C1 level).
• Strong experience conducting high-risk customer 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 financial crime risks.

Working pattern and start

The working hours covered by the team are 8am - 6.30pm and based on 8.5 hours per day (with a 1 hour lunch). The successful candidate will be required to be flexible to meet customer demand. The start date is Monday 5 January and you must be able to commit to the first 8 weeks. No holidays/time off will be authorised during this period.

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 remote based in the UK.

£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.

Application process

• Call with a Recruiter
• Interview to discuss your previous experience, technical knowledge and values
• The final step will consist of a Spanish language assessment

Equal opportunities

Not ticking every box? That\’s totally okay. Monzo is dedicated to creating a diverse and welcoming team. We encourage you to apply even if you don\’t meet every listed requirement. We are an equal opportunity employer and all applicants will be considered without regard to age, ethnicity, religion, sex, sexual orientation, gender identity, family or parental status, national origin, veteran status, neurodiversity or disability status.

Diversity and inclusion are a priority. You can read more in our blog, 2024 Diversity and Inclusion Report and 2024 Gender Pay Gap Report.

Apply for this job

The application journey has 4 key steps: Call with a Recruiter; Interview; Spanish language assessment; Final decision.

We have guidelines on using AI to ace an application and interview at Monzo. Our average process takes around 2-3 weeks but we will work around your availability. For questions, contact [e-mail].

The closing date for applications is Friday 10 October 2025.

#LI-REMOTE #LI-DR

Equal opportunities statements

We are 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, veteran status, disability status or neurodiversity.

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