At a Glance
- Tasks: Protect customers from fraud and financial crime through thorough investigations and risk assessments.
- Company: Join Monzo, a forward-thinking bank revolutionising the way we manage money.
- Benefits: Competitive salary, performance incentives, remote work setup, and a £1,000 learning budget.
- Other info: Diversity and inclusion are at our core; everyone is welcome to thrive at Monzo.
- Why this job: Make a real difference in financial security while working in a dynamic, supportive environment.
- Qualifications: Experience in KYC, AML, or compliance within the payments industry is essential.
The predicted salary is between 31100 - 39350 £ per year.
We’re on a mission to make money work for everyone.
We’re 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 as personal 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 and combine 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!
We’re not about selling products - we want to solve problems and change lives through Monzo.
Remote in the UK | £31,100 - £39,350 + Incentive Awards tied to your performance + Benefits Start date: Monday 9th November 2026 Shifts: You'll work 37.5 hours per week.
This means you'll work Monday to Friday, from 9AM to 5:30PM.
You'll also work one full weekend (Saturday and Sunday), once every 4 weeks with 2 set days in lieu when working the weekend. (*For the first few months this will not be required and will be Monday-Friday).
Our Financial Crime Customer Operations Team: The Shield of Monzo
Our Financial Crime Customer Operations team is the frontline defence protecting Monzo and our customers from fraud, money laundering, and other financial crime.
More than a compliance function, we safeguard the integrity of our business through robust investigations, risk management, and regulatory compliance.
- Conducting comprehensive KYB checks on new and existing customers, ensuring adherence to regulatory guidelines and internal policies
- Reviewing customer documentation, including merchant applications, financial statements, legal agreements, and beneficial ownership information
- Evaluating the adequacy and accuracy of customer-provided information and perform risk assessments based on established criteria
- Investigating and resolve any red flags, inconsistencies, or suspicious activities identified during the customer due diligence process
- Collaborating closely with cross-functional teams, such as Compliance, Legal and Risk, as required, to obtain additional information or clarify discrepancies
- Staying updated on evolving local and payment industry regulations, card scheme rules, and best practices to ensure compliance with applicable standards
- Maintaining accurate and up-to-date records of customer due diligence activities, including audit trails, risk assessments, and supporting documentation
- Assisting in the development and enhancement of KYB policies, procedures, and tools specific to the payments industry to improve efficiency and effectiveness
- Providing training and support to other team members on KYB processes, industry requirements, and emerging trends
- Reporting any potential cases of money laundering, fraud, or suspicious activities to the Financial Crime Risk Team and relevant authorities
- We’d love to hear from you if…
- Subject Matter Expert/Knowledge of Merchant Acquiring/Payment merchant services or deep knowledge of card scheme rules and onboarding for card schemes
- You have proven experience working in a KYC/B, AML, or compliance-related role within the payments industry or financial services sector
- 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.
- Excellent analytical and investigative skills, with the ability to identify risks, analyse complex information, and make informed decisions
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 acquiring typologies, with particular expertise in those impacting acquiring (e. g.
- Structuring, shell merchants, Abuse of Merchant facilities, etc.)
- 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 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).
- What’s in it for you
- £31,100 - £39,350+Incentive Awards tied to your performance.
- £1,000 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.
- Equal opportunities for everyone
- Equal opportunities for everyone
Diversity and inclusion are a priority for us and we’re making sure we have lots of support for all of our people to grow at Monzo.
At Monzo, we’re 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.
We’re 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 don't need full or birth names at application stage.
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Senior Financial Crime Investigator - Merchant Acquiring in Cardiff employer: Doist
Brink's is an exceptional employer that fosters a collaborative and innovative work culture, empowering employees to drive global commercial strategies in the ATM lifecycle solutions sector. With a strong focus on professional development and growth opportunities, employees are encouraged to expand their skills while contributing to sustainable growth and operational excellence. Located in a dynamic environment, Brink's offers unique advantages such as a diverse team and the chance to build long-term partnerships with global customers, making it a rewarding place to advance your career.
StudySmarter Expert Advice🤫
We think this is how you could land Senior Financial Crime Investigator - Merchant Acquiring in Cardiff
✨Tap into Campus Networks
If you're still in uni, don’t forget to engage with your campus's career services and attend finance-related events. Banks often do presentations and recruitment drives on campus, so put yourself out there and make use of these opportunities to show off your passion for the field.
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Join finance-focused groups on platforms like LinkedIn and engage in discussions. This can really help you stand out from the crowd, allowing potential employers to see your knowledge and interest in industry trends. Plus, you might stumble upon job postings shared exclusively within the group.
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We think you need these skills to ace Senior Financial Crime Investigator - Merchant Acquiring in Cardiff
Some tips for your application 🫡
Show Off Your Numbers!:In the banking and financial services world, quantifiable achievements are key. Make sure your CV highlights your grades in relevant subjects, any financial certifications you hold, and specific projects where you've delivered measurable results. Employers love to see how your skills translate into real-world success.
Tailor Your Cover Letter to the Role:When applying for a full-time position, your cover letter should make a direct connection between your experience and the job description. Don't just state your enthusiasm for finance—dive into how your background in banking or financial analysis sets you apart. Let your passion shine through while being specific about what you can bring to Doist.
Include Relevant Financial Software Experience:If you've worked with financial modelling tools or software like Excel, SAP, or specific analytical tools during your studies or internships, bring that up! Highlighting your proficiency can really make your application pop and show you're ready to hit the ground running in a full-time role.
Research and Reflect:Before hitting that 'apply' button on Doist's website, do a little digging. Look up their recent projects, values, and culture. Reflecting their ethos in your application can make a huge difference and show you’re genuinely interested in being part of the team!
How to prepare for a job interview at Doist
✨Brush Up on Financial Analysis Skills
Make sure you're well-versed in financial concepts and analytical techniques relevant to banking and financial services. Get comfortable with tools like Excel for modelling or financial forecasting, as technical questions in this area are common during interviews with Doist.
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✨Network with Industry Professionals
Before your interview, reach out to current or former Doist employees on platforms like LinkedIn. They'll offer unique insights into the company's culture and the interview process, which can give us a delightful edge in showcasing a good fit for the team.
