FinCrime & Fraud Operations Investigator

Monzo; Ireland; On-site; EUR 55,000 - 75,000; Full time

Job summary

A digital banking institution in Dublin is seeking a Senior Fincrime & Fraud Operations Investigator to lead complex investigations and manage fraud operations. The role requires strong communication skills, fluency in Spanish, and experience in high-risk banking environments. Benefits include flexible hours, extensive annual leave, and a generous learning budget.

Benefits

Flexible working hours

34 days annual leave

€1,200 learning budget

Pension scheme match

Wellbeing benefits

Qualifications

• Strong experience of conducting high-risk business banking screening.
• Ability to make independent, risk-based financial crime decisions.
• Understanding of complex financial crime investigations.

Responsibilities

• Investigate complex or high-risk anti-money laundering and fraud alerts.
• Recommend Suspicious Transaction Reports (STR) for Monzo Bank EU.
• Conduct ongoing due diligence on high-risk cases.

Skills

Strong English written and verbal communication skills

Fluent in Spanish (CEFR C1 level)

Experience in high-risk business banking screening

Knowledge of financial crime landscape in the UK and EU

Job description

FinCrime & Fraud Operations Investigator

Ireland

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 all about waving goodbye to old-school banking and creating magical moments for our customers. We're expanding in the EU and need awesome Senior Investigators to lead the charge!

Our Fincrime & Fraud Operations team

Reporting to the EU Director of Fincrime, and Fraud Operations, we're looking for a Senior fraud and financial ops investigator to join our fast-growing EU team here in Dublin. You will work across different areas such as EDD, PEP reviews, logging STRs, completing complex fraud reviews and products including our current and business accounts and partner with our group data science, data engineering, product and technology teams. You will need to be comfortable handling fraud escalations as well as overseeing our outsourced partners on the highest performing standards in fraud and fincrime operations.

• Investigating complex or high-risk anti-money laundering and fraud alerts
• Responsible for recommending Suspicious Transaction Reports (STR) be made by Monzo Bank EU
• Making business onboarding decisions in high-risk or complex cases
• Conducting ongoing due diligence on high-risk
• Providing financial crime expertise and support to other operational teams across the business
• You have strong English written and verbal communication skills
• You are fluent in Spanish both written and verbal communication skills (to at least CEFR C1 level)
• You have strong experience of conducting high-risk business banking screening or complex business 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 financial crime risks

What’s in it for you

We offer flexible working hours and trust you to work enough hours to do your job well, and at times that suit you and your team.

Annual Leave - 34 days including public holidays (24 holiday days + 10 public holidays)

€1,200 learning budget each year to use on books, training courses and conferences.

Pension scheme: the minimum contribution is 4% and Monzo matches any additional contributions that you make up to a maximum of 6%

Wellbeing benefits: financial education, women’s and men’s health support, mental health benefits, including coaching and counselling

The application journey has 3 key steps;

• Recruiter screen
• 45 Minute initial interview with the Hiring Manager
• 3 stage interview loop including a technical and behavioural interview

This process should take around 3-4 weeks - your schedule is really important to us, so we promise to be as flexible as possible!

We have some guidelines on using Artificial Intelligence (AI) to ace an application and interview at Monzo.

Equal opportunities for everyone

Diversity and inclusion are a priority for us and we’re making sure we have lots of support for all of our people to grow at Monzo. At Monzo, we’re embracing diversity by fostering an inclusive environment for all people to do the best work of their lives with us.

We’re 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.