Senior Financial Crime Business Banking Investigator

Were on a mission to make money work for everyone.

Were 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 aspersonal 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 andcombine 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!

Were not about selling products - we want to solve problems and change lives through Monzo

Hear from our UK team about what its like working at Monzo

Remote in the UK 29450 - 37250 Benefits Hear from the team

Our Financial Crime Customer Operations Team: The Shield of Monzo

Our Financial Crime Customer Operations team is the frontline defence in protecting Monzo and our customers from the complex threats of economic crime including sophisticated fraud schemes and global money laundering networks. We are not just a compliance function; we are a critical operational hub focused on safeguarding financial integrity.

At Monzo our operational teams are structured into specialised Pillars each focusing on a specific business area set of risks and unique typologies. This allows us to build deep world-class subject matter expertise where it matters most.

The FinCrime Business Banking Pillar

In the FinCrime Business Banking Pillar you will be integral to protecting the entire lifecycle of our business customers from high-growth startups to established SMEs. Our mission within this pillar is to ensure Monzos business ecosystem remains transparent and trusted. This involves:

• Conducting rigorous checks during onboarding and throughout the customer relationship.
• Unravelling suspicious activity across a spectrum of financial crime typologies.
• Reporting exiting accounts and implementing controls when significant risk is identified.

The Role: FinCrime Business Banking Senior Investigator

As a FinCrime Business Banking Senior Investigator you will play a pivotal role within our financial crime operations. Your main focus will be completing some of our higher risk high complexity financial crime tasks on our business accounts while supporting our Team Managers and coaching our Investigators to achieve our quality and productivity goals.

This is a high-impact role where your expertise will directly contribute to Monzos safety and reputation and the broader fight against illicit finance.

Youll play a key role by

• Taking ownership of the most complex FinCrime Business Banking tasks including Enhanced Due Diligence (EDD) for high-risk segments Complex Customer Reviews (e.g in 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 domains Service Level Agreements and remain connected to frontline challenges.
• Actively coaching Investigators on complex financial crime typologies best practice and performance improvement to support in driving 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.

Wed love to hear from you if

• You can demonstrate an ability to give clear constructive and kind feedback that motivates colleagues and enhances performance.
• You thrive in a fast-paced environment and can adapt positively and quickly to change be it new guidance evolving processes or shifting priorities.
• You maintain flexibility in the tasks you are scheduled for and can adapt seamlessly when business needs require changes at short notice.
• You are driven by a desire to have a tangible impact on the detection and prevention of financial crime protecting Monzo and its customers.

At the interview we will be looking for you to demonstrate

Essential Expertise

• Significant and specific experience in conducting end-to-end due diligence (KYB) and investigations on businesses (SMEs Corporates etc.) in a regulated financial crime setting.
• Proven ability to conduct in-depth high-quality open-source research and analysis to corroborate customer profiles and transactional activity.
• Strong foundational and applied Financial Crime knowledge specifically deep exposure to Know Your Business (KYB) and Anti-Money Laundering (AML) principles.
• A strong understanding of current UK and international financial crime trends and typologies with particular expertise in those impacting business accounts (e.g. trade-based money laundering complex shell structures illicit use of payment services).
• A comprehensive understanding of the UK Suspicious Activity Reporting (SAR) regime including consent requirements and the legislative framework (POCA).

It will be useful but not essential if...

• You have direct experience of completing Enhanced Due Diligence (EDD) and/or Complex Customer Reviews and/or have experience writing and reviewing/approving SARs.
• You have formal or informal experience of coaching mentoring or training peers or more junior members of the team.
• You can demonstrate a track record of identifying areas for control/process improvement and successfully working with or escalating to relevant stakeholders to implement change.
• You hold or are working towards an appropriate qualification relevant to Financial Crime (e.g. ACAMS ICA Diploma).

Start date: Monday 16th February 2026

Shifts - Youll work 37.5 hours per week. This means youll work Monday to Friday from 9AM to 5:30PM. Youll also work one full weekend (Saturday and Sunday) once every 4 weeks with 2 set days in lieu when working the weekend.

Monzos Culture & Benefits

Monzo is a bank built on transparency fairness and inclusion. We are building a bank for everyone and are looking for people who can bring diverse perspectives and experiences.

Whats in it for you

29450- 37250 share options.

We guarantee to approve time off on your birthday if it falls on a day youre scheduled to work and its outside of your training period.

This role is remote based in the UK

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.

1000 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.

The application journey has 3 key steps

• Application questions
• Recruiter call
• Full loop interview (values and technical questions)

This process should take around 2- 3 weeks - your schedule is really important to us so we promise to be as flexible as possible!

Youll hear from us throughout the application process but if youve got any questions please reach out to You can also use this email address to let us know if theres anything we can do to make the process easier for you because of disability neurodiversity or anything else.

The closing date for applications is Friday 21st November 2025 at 5pm

LI-JW #LI-REMOTE

Equal opportunities for everyone

Diversity and inclusion are a priority for us and were making sure we have lots of support for all of our people to grow at Monzo. At Monzo were 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 2024 Diversity and Inclusion Report and 2024 Gender Pay Gap Report.

Were 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 dont need full or birth names at application stage