Senior Financial Crime Investigator, Out of hours, Business Banking

About the role

<div class="content-intro"><p><strong><em>🚀 We’re on a mission to make money work for everyone.</em></strong></p> <p>We’re waving goodbye to the complicated and confusing ways of traditional banking.</p> <p>After starting as a prepaid card, our product offering has grown a lot in the last 10 years in the UK. As well as&nbsp;<a href="https://monzo.com/current-account/personal">personal</a> and <a href="https://monzo.com/business-banking">business</a> bank accounts, we offer <a href="https://monzo.com/current-account/joint-account">joint accounts</a>, <a href="https://monzo.com/current-account/16-17">accounts for 16-17 year olds</a>, a <a href="https://monzo.com/current-account/under-16s">free kids account</a> and <a href="https://monzo.com/flex">credit cards</a> in the UK, with more exciting things to come beyond. Our UK customers can also <a href="https://monzo.com/savings">save</a>, <a href="https://monzo.com/investments">invest </a>and&nbsp;<a href="https://monzo.com/pensions">combine their pensions</a> with us.&nbsp;</p> <p>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!</p> <p>We’re not about selling products - we want to solve problems and change lives through Monzo ❤️</p> <hr> <p>&nbsp;</p></div><p>UK Remote | 💰 £31,100 - £39,350 plus shift allowance + Incentive Awards tied to your performance +<a href="https://monzo.com/careers/"><em> </em>Benefits</a> |<a href="https://www.youtube.com/watch?v=U62l09nB0M4"> Hear from the team</a> ✨</p> <p><strong>Start Date:</strong> 18th January 2027</p> <p>⭐ About our Senior Financial Crime Business Banking Investigator Team</p> <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> <p>🔑 You’ll play a key role by...</p> <ul> <li><strong>Taking ownership of the most complex FinCrime Business Banking tasks,</strong> including multi-jurisdictional money muling investigations and Transaction Monitoring Reviews</li> <li><strong>Writing, 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> <p>🤩 We’d love to hear from you if...</p> <ul> <li><strong>You have deep KYB &amp; AML expertise,</strong> with significant experience conducting end-to-end business due diligence (KYB/EDD) and 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 i

Skills