Senior Financial Crime Investigator – Business Banking

Senior Financial Crime Investigator – Business Banking

Company: Monzo Bank Location: UK Remote Contract: Permanent Salary: £31,100 - £39,350 per annum + Incentive Awards

About the Role

Monzo Bank is seeking a Senior Financial Crime Investigator to join its Business Banking team. This role is crucial in defending against complex economic crime, protecting both the bank and its customers, from startups to established SMEs, against sophisticated fraud and money laundering. You will be part of a specialized, risk-focused team dedicated to ensuring financial integrity throughout the customer lifecycle.

Key Responsibilities

• Take ownership of complex Financial Crime tasks within Business Banking, including Enhanced Due Diligence (EDD) for high-risk businesses, complex customer reviews, and multi-jurisdictional money muling investigations.
• Write, review, and submit high-quality Suspicious Activity Reports (SARs) to the National Crime Agency (NCA), meeting the highest legal and evidential standards.
• Maintain competency levels by conducting core investigative tasks regularly to support Service Level Agreements (SLAs) and stay connected to frontline challenges.
• Coach and mentor Investigators on complex financial crime typologies, best practices, and performance improvement.
• Collaborate with Operations Analysts to share emerging trends and ensure operational guidance is updated and effectively implemented.

Requirements

• Deep expertise in Know Your Business (KYB) and Anti-Money Laundering (AML), with significant experience in end-to-end business due diligence (KYB/EDD) and complex investigations within a regulated financial environment.
• Proven ability as a skilled researcher, leveraging open-source intelligence and analysis to corroborate customer profiles and transactional activity.
• Strong understanding of UK and international financial crime trends affecting business accounts, and the UK SAR regime.
• Ability to thrive in a fast-paced environment, demonstrating flexibility and adapting positively to shifting priorities, new guidance, and process changes.
• A genuine desire to protect Monzo and its customers by making a tangible difference in the detection and prevention of financial crime.
• Leadership and improvement skills, with experience mentoring peers, escalating process improvements, or holding a relevant qualification (e.g., ICA or ACAMS).

Working Hours

• 37.5 hours per week, Monday to Friday, 9:00 am to 5:30 pm.
• One full weekend (Saturday and Sunday) worked once every 4 weeks, with 2 set days in lieu provided.
• Note: Time off cannot be approved during the first 6 weeks of employment due to training.

What We Offer

• Competitive salary range of £31,100 - £39,350.
• Incentive Awards tied to performance.
• Time off guaranteed for your birthday (outside of the initial training period).
• This role is fully remote and based within the UK.
• An annual budget of £1,000 for books, training courses, and conferences.
• Provision of MacBooks and additional support for your home work environment.
• Comprehensive benefits package.