Senior Financial Crime Analyst

Monzo; United States; Hybrid; USD 80,000 - 108,000; Full time

Benefits offered by this job

Learning budget

MacBook provided

Remote work support

Flexible hours

Job summary

Monzo seeks a Senior Financial Crime Analyst to join our Actions Squad. You’ll own global risk controls, drive improvements, and work with Product, Operations and Engineering to deliver compliant and customer-focused solutions across MB L and MB EU.

The role is a London/Cardiff/UK Remote position on a 12-month fixed-term contract. You’ll contribute to monitoring, documentation, and resilience of our fraud and financial crime controls with Looker data analysis; remote-friendly with some London

Qualifications

• Strong financial crime and regulatory compliance expertise.
• Ability to use data to monitor risk and guide decisions.
• Experience collaborating with product, operations and engineering.

Responsibilities

• Own global risk controls for exit & defunds, law enforcement and acceptable use standards across MB L and MB EU.
• Develop and improve control documentation and standards balancing risk, efficiency and customer experience.
• Monitor control effectiveness using data and trend analysis; identify threats and opportunities to strengthen controls.
• Lead cross-functional initiatives with Product, Operations and Engineering to deliver compliant, customer-focused solutions.

Skills

Financial crime

Regulatory compliance

Data analysis

Cross-functional collaboration

Tools

Looker

Job description

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.

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.

We’d love to hear from you if…

• 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 communicate clearly and can adapt your approach for different audiences, from operational and technical teams through to senior leaders.
• 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.

What’s in it for you

• £59,500 - £80,500
• 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.

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. You can read them here.

We’ll only close this role once we have enough applications for the next stage. Please submit your application as soon as possible to make sure you don’t miss out.

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. 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.

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.

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