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

Monzo; United Kingdom; Remote; GBP 29,000 - 37,000; Full time

Job summary

A UK banking innovator seeks a Senior Investigator to tackle complex financial crime investigations and AML alerts. This role requires fluency in Spanish and experience with high-risk customer screening. You will work remotely from the UK, with opportunities for professional development and competitive salary.

Benefits

£1,000 learning budget each year

MacBook provided

Birthday time off guarantee

Qualifications

• Strong experience conducting high-risk customer screening or complex financial crime investigations.
• Independent, risk-based financial crime decision-making experience.
• Knowledge of the financial crime landscape in the UK and EU.

Responsibilities

• Investigate complex or high-risk anti-money laundering alerts.
• Recommend Suspicious Transaction Reports be filed.
• Make onboarding decisions in high-risk cases.
• Conduct ongoing due diligence on high-risk accounts.
• Provide financial crime support to other teams.

Skills

Strong English written and verbal communication skills

Fluent in Spanish (CEFR C1 level)

Experience in high-risk customer screening

Experience in financial crime investigations

Job description

Overview

We’re Monzo, the bank that’s making money work for everyone. We’re not about selling products – we want to solve problems and change lives through Monzo. We’re expanding in the EU and need awesome Senior Investigators to lead the charge!

We’re on a mission to wave goodbye to old-school banking and create magical moments for our customers. We’ve grown from a prepaid card to offering personal, business and joint accounts, accounts for 16-17 year olds, a free kids account, and credit cards in the UK, with more to come. Our UK customers can also save, invest and combine their pensions with us. With hot coral cards, a get-paid-early feature, financial education on social media and award-winning customer service, we have a long history of helping customers.

Hear from our UK team about what it’s like working at Monzo.

Remote in the UK | £29,450 - £37,000 (+ £2,500 Multilingual Premium) | Benefits | Hear from the team

You’ll play a key role by…

• 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.
• Conducting ongoing due diligence on high-risk customer accounts.
• Providing financial crime expertise and support to other operational teams across the business.

We’d love to hear from you if…

• You have strong English written and verbal communication skills.
• You are fluent in Spanish written and verbal communication skills (to at least CEFR C1 level).
• You have strong experience conducting high-risk customer screening or complex financial crime investigations.
• You have experience making independent, risk-based financial crime decisions in a regulated financial services firm.
• You have knowledge of the current financial crime landscape in the UK and the EU, and associated risks.

Working hours, start date and notice

The working hours for the team are 8:00 – 18:30, based on 8.5 hours per day with a 1-hour lunch. The start date is Monday 5 January, with a requirement to commit to the first 8 weeks. No holidays will be authorised during this period. The role is remote-based in the UK.

What’s in it for you

• Salary: £29,450 - £37,000 (+ £2,500 Multilingual Premium) plus share options.
• £1,000 learning budget each year for books, training courses and conferences.
• MacBook provided; fully remote workers receive additional support for home setup.
• We guarantee to approve time off on your birthday if it falls on a scheduled workday outside training.
• Remote work options in the UK with potential additional benefits.

Ready to join the Monzo adventure?

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

The application journey

• Application questions
• Call with a Recruiter
• Interview to discuss your experience, technical knowledge and values
• The final step will be a Spanish language assessment

Not ticking every box? That’s totally okay. Monzo values diversity and encourages applicants who are passionate about the role to apply, even if you don’t meet every listed requirement. Drop us your application—we’d love to hear from you.

Guidance on applying and process

We have guidelines on using Artificial Intelligence (AI) to ace an application and interview at Monzo. You can read them here. Our average process takes around 2–3 weeks, but we will accommodate your availability.

Questions

You will have chances to speak with our recruitment team during the process; for specific questions, contact us at [e-mail].

Closing date for applications: Friday 10 October 2025.

Equal opportunities

Diversity and inclusion are priorities at Monzo. 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. For more, read our blog and diversity reports.

If you have a preferred name, please use it to apply. We don’t need full or birth names at application stage.