Senior Financial Crime Investigator - Business Banking

<p>UK Remote | £31,100 - £39,350 + Incentive Awards tied to your performance +<a href="https://monzo.com/careers/" rel="nofollow ugc noopener" target="_blank">Benefits</a> | <a href="https://www.youtube.com/watch?v=U62l09nB0M4" rel="nofollow ugc noopener" target="_blank">Hear from the team </a>✨</p><p><strong>Start Date:</strong> We have start dates for Tuesday 1st September, Monday 12th October &amp; Monday 9th November<br>(We will focus on filling the September start dates first, then move on to October, and finally November as each intake fills up). </p><p>⚠️ <strong>Important Note on AI &amp; Plagiarism:</strong> Please reference any literature that you refer to. Applications that are highly plagiarised and not your own original work (e.g., ChatGPT) will be declined. We have guidelines on using Artificial Intelligence (AI) to ace an application and interview at Monzo. You can read them <a href="https://monzo.com/blog/the-ultimate-guide-on-using-ai-to-ace-an-interview-at-monzo" rel="nofollow ugc noopener" target="_blank">here.</a></p><h2><strong>⭐ About our Senior Financial Crime Business Banking Investigator Team</strong></h2><p>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.</p><h2><strong> You’ll play a key role by...</strong></h2><ul> <li><strong>Taking ownership of the most complex FinCrime Business Banking tasks,</strong> including Enhanced Due Diligence (EDD) for high-risk businesses, Complex Customer Reviews (e.g., sensitive areas like Sexual Services flags), and multi-jurisdictional money muling investigations.</li> <li><strong>Writing, reviewing, and submitting high-quality Suspicious Activity Reports (SARs)</strong> to the National Crime Agency (NCA), ensuring they meet the highest legal and evidential standards.</li> <li><strong>Maintaining a regular schedule on core investigative tasks</strong> to sustain your competency levels, directly support the domain’s Service Level Agreements (SLAs), and remain connected to frontline challenges.</li> <li><strong>Actively coaching Investigators</strong> on complex financial crime typologies, best practice, and performance improvement to help drive a culture of excellence.</li> <li><strong>Working closely with our Operations Analysts</strong> to share emerging trends and ensure that operational guidance is continuously updated and effectively embedded across the domain.</li> </ul><h2><strong> We’d love to hear from you if...</strong></h2><ul> <li><strong>You have deep KYB &amp; AML expertise,</strong> with significant experience conducting end-to-end business due diligence (KYB/EDD) and complex investigations within a regulated financial setting.</li> <li><strong>You are a skilled researcher,</strong> with a proven ability to leverage open-source intelligence and analysis to thoroughly corroborate customer profiles and transactional activity.</li> <li><strong>You know regulations and typologies inside out,</strong> possessing a strong grasp of UK and international financial crime trends affecting business accounts and the UK SAR regime.</li> <li><strong>You thrive in a fast-paced environment,</strong> maintaining high flexibility and adapting positively to shifting priorities, new guidance, and process changes at short notice.</li> <li><strong>You are impact-driven,</strong> with a genuine desire to protect Monzo and its customers by making a tangible difference in the detection and prevention of financial crime.</li> <li><strong>You bring leadership and improvement skills,</strong> ideally with experience mentoring peers, a track record of escalating process improvements, or a relevant qualification (such as ICA or ACAMS).</li> </ul><h2><strong>⏰ Shifts you’ll be working</strong></h2><p>You will work <strong>37.5 hours per week</strong>, Monday to Friday, from 9:00am to 5:30pm. You will also work one full weekend (Saturday and Sunday) once every 4 weeks, with 2 set days in lieu provided when working the weekend shift.</p><p>We cannot approve any time off during your first 6 weeks of employment with us due to training. </p><h2><strong> What’s in it for you</strong></h2><p> Salary range of £31,100 - £39,350 + Incentive Awards tied to your performance</p><p> We guarantee to approve time off on your birthday if it falls on a scheduled work day (outside of your training period).</p><p> This role is fully remote and based within the UK.</p><p> A £1,000 annual budget to spend on books, training courses, and conferences.</p><p> We will set you up for success from home; all employees are provided with MacBooks, and fully remote workers receive extra support for their work-from-home environment.</p><p>➕ <strong>Plus lots more!</strong> Read our full list of benefits.</p><h2><strong> The application journey has 3 key steps</strong></h2><ol> <li><strong>Application questions</strong> – Please take the time to answer these, as we read every single one.</li> <li><strong>Recruiter call</strong> – A 30-minute video call to assess skills fit</li> <li><strong>Hiring Manager interview</strong> – A 60-minute video call focusing on values and technical questions.</li> </ol><p>#LI-REMOTE #LI-NG2</p>