Senior Financial Crime Investigator – Business Banking

🔥 0 minutes ago

🇬🇧 United Kingdom – Remote

💵 £31.1k - £39.4k / year

⏰ Full Time

🟠 Senior

🚨 AML and Financial Crime

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Monzo Bank

WebsiteLinkedInAll Job Openings

1001 - 5000 employees

Founded 2015

🏦 Banking

💳 Fintech

👥 B2C

Banking • Fintech • B2C

Monzo Bank is a digital bank based in the UK, known for its innovative app offering a wide range of personal banking services. It provides features such as fee-free spending abroad, automatic bill sorting, early salary payments, and round-up savings. Monzo offers various account types, including joint accounts, under 16s accounts, and savings pots with competitive interest rates. Customers can manage savings, investments, and pensions directly through the app, along with credit and loan options. Monzo emphasizes strong security features and customer support, making banking easy and accessible for its users.

📋 Description

• Taking ownership of the most complex FinCrime Business Banking tasks, 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. • 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.

🎯 Requirements

• 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. • You bring leadership and improvement skills, ideally with experience mentoring peers, a track record of escalating process improvements, or a relevant qualification (such as ICA or ACAMS).

🏖️ Benefits

• Salary range of £31,100 - £39,350 + Incentive Awards tied to your performance • A £1,000 annual budget to spend on books, training courses, and conferences • 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. • We guarantee to approve time off on your birthday if it falls on a scheduled work day (outside of your training period).