Fraud Investigator, Part Time Team

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

Remote UK per year (pro rata based on 22.5 hours per week) Incentive Awards tied to your performance Benefits

The start date for this role: Monday January 18th 2027

Working Pattern:

This role operates on one of the following permanent weekend rotations:

Permanent Saturday Rotation: Wednesday Thursday and Friday 5:00pm10:00pm and Saturday 11:00am7:30pm. Days off are Sunday Monday and Tuesday.

Permanent Sunday Rotation: Wednesday Thursday and Friday 5:00pm10:00pm and Sunday 11:00am7:30pm. Days off are Monday Tuesday and Saturday.

Candidates will be assigned to either the permanent Saturday or permanent Sunday rotation.

Our Fraud Team

As a Fraud Investigator within our Prevent pillar you will be at the absolute frontline of our mission to earn and keep our customers trust while building a safer society. Your primary focus is providing vital real-time intervention for customers facing active fraud attempts specifically managing risks across authorised card and faster payment channels. This is a high-impact proactive role where you wont just be reviewing casesyoull be taking decisive action which includes making calls to guide customers through stressful situations and secure their funds. By preventing losses before they happen you become a crucial contributor to Monzos safe growth and a key defender against financial crime in the industry.

Youll play a key role by...

• Real-Time Investigation: Gather and analyse evidence from flagged transaction data to identify active fraud attempts.
• High-Stakes Decision Making: Make confident independentand at times collaborativedecisions to either release or block suspicious transactions.
• Customer Intervention: Use Monzos values to investigate suspicious activity via phone and chat balancing professional curiosity with deep empathy.
• Active Safeguarding: Support and reassure customers during active fraud scares securing compromised accounts and taking remedial action so they can resume safe banking.
• Case Triage & Review: Effectively triage incoming cases and review customer limit increase requests to mitigate potential risk.
• Account Integrity: Where investigations reveal first-party concerns manage the account closure process in strict accordance with internal guidance.
• Educational Support: Empower victims of fraud by providing tailored advice on how to protect themselves from future threats.
• Operational Excellence: Complete all necessary post-investigation activity with high attention to detail to ensure a clean audit trail.

Wed love to hear from you if

Fraud Investigators within our Prevent pillar work within unregulated but critical deadlines.

• You enjoy a telephony role as this forms the core part of being a successful investigator.
• You bring experience from Banking Financial Services (e.g. FOS HMRC) or have a Law Enforcement background.
• You are a Fraud Specialist is ideal but not necessary as full training will be provided: You are familiar with common fraud typologies and have a strong foundation in investigative problem-solving.
• Investigative Rigour: The ability to probe deeply during an investigation and clearly explain the why behind your final decisions.
• You are a decisive communicator: You possess excellent English written and verbal skills with the ability to be persuasive yet empathetic. You can make confident concise decisions under pressure.
• You are an independent collaborator: You thrive when working autonomously but value being part of a wider supportive team.
• You are mission-driven: You are genuinely excited about our mission to make money work for everyone and approach your work through the lens of Monzos core values.
• Empathetic: Exceptional communication skills used to handle difficult customer conversations particularly when educating victims to break the spell of a scam while remaining firm and professional. Youre confident in communicating across all channels (phone in-app chat and email) handling both inbound and outbound calls with care.
• Feedback-driven Mindset: A proactive approach to continuous improvement consistently seeking out and acting upon feedback to refine your craft.
• Solution-oriented problem-solving: You bring solutions rather than just highlighting obstacles providing kind and constructive feedback to your peers to help the collective grow.
• Decisive independence: The confidence to make firm independent decisions on complex cases without an excessive reliance on second opinions.

Whats in it for you

Incentive Awards tied to your performance (Pro-Rata)

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 (Pro Rata)

The application journey has 3 key steps

• Some initial application questions (please take your time we read these carefully!)
• Recruiter Call
• A remote interview lasting approximately 1 hour with two team members from the Prevent Team.

Training

Training schedule: Youll complete an 11-week training programme working the same permanent Saturday or Sunday rotation that youll continue on once training is complete.

START DATE: January 18th 2027

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.

Well 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 dont miss out.

#LI-REMOTE #LI-SK

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 2026 Diversity and Inclusion Report and 2025 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