Financial Crime Analyst

Monzo Bank Limited; United States; Ibrido; USD 80.000 - 108.000; Tempo pieno

Vantaggi offerti da questo lavoro

£1,000 learning budget each year to be

Macbooks provided

Flexible working hours

Remote UK options

Descrizione del lavoro

Monzo Bank Limited is seeking a Senior Financial Crime Analyst to join the Actions Squad. You will be a subject matter expert across key financial crime controls, taking ownership of complex problems and helping us improve controls across MBL and MBEU.

You will work closely with Financial Crime, Operations, Product and Engineering, using data to identify risks, strengthen controls and shape longer-term improvements while collaborating with cross-functional teams.

Competenze

• Strong expertise in financial crime and regulatory compliance.
• Experience using data to monitor control performance.
• Ability to lead cross-functional initiatives and influence across teams.

Mansioni

• Own the global risk controls for Exit & Defunds, Law Enforcement and Acceptable Use Standard across MBL/MBEU.
• Develop and improve control documentation and standards balancing risk, efficiency and customer experience.
• Identify and prioritize material risks and escalate with evidence-based recommendations.
• Investigate and remediate incidents within control areas and coordinate with other Control Owners.
• Lead cross-functional initiatives with Product, Operations and Engineering to ensure compliant, customer-focused solutions.

Conoscenze

Financial crime

Regulatory compliance

Data analysis

Looker

Strumenti

Looker

Descrizione del lavoro

We're looking for a Senior Financial Crime Analyst to join our Actions Squad. You'll be a subject matter expert across key financial crime controls, taking ownership of complex problems and helping us continuously improve how our controls operate across both Monzo Bank Limited (MBL) and Monzo Bank Europe (MBEU). This is a role with plenty of ownership and cross-functional exposure. You'll work closely with teams across Financial Crime, Operations, Product and Engineering, using data and your financial crime expertise to identify risks, strengthen controls and shape longer-term improvements. You'll play a key role by...

• Owning our global risk controls for Exit & Defunds, Law Enforcement and Acceptable Use Standard, with end-to-end oversight of BAU performance across MBL and MBEU.
• Developing and improving control documentation and standards, balancing financial crime risk, operational efficiency and customer experience.
• Using data and trend analysis to monitor control effectiveness, identify emerging threats and spot opportunities to strengthen our controls.
• Making sure we have appropriate financial crime control coverage as Monzo launches new products and expands into new areas.
• Identifying and prioritising material risks, escalating these clearly to leadership alongside practical, evidence-based recommendations.
• Owning the investigation and remediation of incidents within your control areas and partnering with other Control Owners to resolve high-impact issues.
• Acting as a domain expert for your areas, providing technical guidance, sharing knowledge and helping build capability across the wider Financial Crime Collective.
• Leading cross-functional initiatives across Product, Operations and Engineering, building shared understanding and influencing teams towards compliant and customer-focused solutions.
• Taking on Nominated Approver and Financial Crime Floater responsibilities.
  You have strong financial crime and regulatory compliance expertise and are comfortable acting as a subject matter expert within your domain.
• You're confident using data to understand control performance, identify weaknesses and make evidence-based recommendations - experience with tools such as Looker would be useful.
• You're comfortable independently assessing and prioritising complex financial crime risks, making proportionate decisions and escalating material issues when needed.
• You're great at working cross-functionally and can build strong relationships across teams such as Product, Operations and Engineering to influence outcomes without relying on formal authority.
• You're comfortable managing a complex portfolio and competing priorities, while maintaining a high bar for quality and proactively identifying opportunities to improve how we work.
  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. This is integral to our mission of making money work for everyone. You can read more in our blog, 2026 Diversity and Inclusion Report and 2025 Gender Pay Gap Report.
• London/Cardiff/UK Remote | £59,500 - £80,500 + Benefits | 12 Month Fixed-Term Contract

Our Financial Crime team Our Financial Crime Collective helps keep Monzo and our customers safe by building effective, proportionate controls that protect against financial crime while delivering great customer outcomes., £59,500 - £80,500 Please note this will be a 12 month fixed-term-contract This role can be based in our London office, but we're open to distributed working within the UK (with ad hoc meetings in London) 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. £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. Plus lots more! Read our full list of benefits.