Senior Financial Crime Investigator - Business Banking

🚀 We’re on a mission to make money work for everyone. We’re waving goodbye to the complicated and confusing ways of traditional banking. After starting as a prepaid card, our product offering has grown a lot in the last 10 years in the UK.

As well as personal and business bank accounts, we offer joint accounts , accounts for 16-17 year olds , a free kids account and credit cards in the UK, with more exciting things to come beyond. Our UK customers can also save , invest and combine their pensions with us. 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!

Benefits

| Hear from the team ✨ Start Date: Monday 12th October ⚠️ Important Note on AI Plagiarism: Please reference any literature that you refer to. , ChatGPT) will be declined. We have guidelines on using Artificial Intelligence (AI) to ace an application and interview at Monzo.

You can read them here. ⭐ About our Senior Financial Crime Business Banking Investigator Team The Senior Financial Crime Business Banking Investigator team serves as Monzo’s frontline defence against complex economic crime, safeguarding our ecosystem and customers, from startups to established SMEs, against sophisticated fraud and money laundering. Operating within a specialised, risk-focused "Pillar," this critical operational team builds deep subject matter expertise to ensure financial integrity across the entire customer lifecycle.

The team is responsible for conducting rigorous onboarding and ongoing compliance checks, unravelling complex financial crime typologies, and directly mitigating risk through thorough investigation, reporting, and account closures. 🔑 You’ll play a key role by... , sensitive areas like Sexual Services flags), and multi-jurisdictional money muling investigations.

Writing, reviewing, and submitting high-quality Suspicious Activity Reports (SARs) to the National Crime Agency (NCA), ensuring they meet the highest legal and evidential standards. Maintaining a regular schedule on core investigative tasks to sustain your competency levels, directly support the domain’s Service Level Agreements (SLAs), and remain connected to frontline challenges. Actively coaching Investigators on complex financial crime typologies, best practice, and performance improvement to help drive a culture of excellence.

Working closely with our Operations Analysts to share emerging trends and ensure that operational guidance is continuously updated and effectively embedded across the domain. 🤩 We’d love to hear from you if... You have deep KYB AML expertise, with significant experience conducting end-to-end business due diligence (KYB/EDD) and complex investigations within a regulated financial setting.

You are a skilled researcher, with a proven ability to leverage open-source intelligence and analysis to thoroughly corroborate customer profiles and transactional activity. You know regulations and typologies, possessing a strong grasp of UK and international financial crime trends affecting business accounts and the UK SAR regime. You thrive in a fast-paced environment, maintaining high flexibility and adapting positively to shifting priorities, new guidance, and process changes at short notice.

You are impact-driven, with a genuine desire to protect Monzo and its customers by making a tangible difference in the detection and prevention of financial crime.