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- Tasks: Investigate financial crimes and analyse suspicious customer behaviour to protect victims.
- Company: Join Monzo Bank, a modern bank on a mission to simplify money management for everyone.
- Benefits: Enjoy remote work, flexible hours, a £1,000 learning budget, and birthday leave.
- Why this job: Be part of a diverse team making a real impact in financial crime prevention.
- Qualifications: Experience in customer service or financial crime is a plus; passion for problem-solving is essential.
- Other info: We encourage applicants from all backgrounds; don’t hesitate to apply even if you don’t meet every requirement.
The predicted salary is between 22000 - 25000 £ per year.
Join to apply for the Financial Crime Investigator, Anti Money Laundering (AML) role at Monzo Bank
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Join to apply for the Financial Crime Investigator, Anti Money Laundering (AML) role at Monzo Bank
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 ️
Hear from our UK team about what it\’s like working at Monzo
UK Remote | £26,000 – £31,100 + Benefits | Hear from the team
Start date – 27th October 2025
Shifts – You\’ll work 37.5 hours per week. This means you\’ll work Monday to Friday, from 9am to 5:30pm, with a one hour lunch break. You\’ll also work one full weekend (Saturday and Sunday), once every 8 weeks. No holidays can be taken during the training period which is expected to last for the first 7 weeks.
We’ll 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 don’t miss out.
Our Financial Crime team
Our Mission in the Financial Crime Collective is to earn and keep our customers’ trust, support Monzo’s safe growth, and contribute to building a safer society.
Are you looking to start, or continue building, a career in financial crime prevention? We are looking for proven problem solvers to join our team as Anti-Money Laundering Investigators and help us on our mission to make money work for everyone.
You’ll play a key role by…
- Analysing potentially unusual or suspicious behaviour on customer accounts flagged by our transaction monitoring system, and deciding what action (if any) Monzo should take.
- Documenting suspicious activity you identify in your role, and sending it to the National Crime Agency to support them with their investigations.
- Locking down money that has been obtained through fraud, so that it can be returned to victims.
- Closing customer accounts, when this is necessary, and ensuring money is returned to the correct place.
- Responding to escalations about potential financial crime concerns from your colleagues in the customer support team.
- Reviewing and approving customer requests to increase their payment limits, to help ensure high value payments are made safely.
We’d love to hear from you if…
- You have experience conducting investigations in an operational setting with subject matter expertise preferably in AML.
- You have recent experience with emerging financial crime trends and typologies.
- You hold, or are happy to work towards, an ICA International Certificate in Anti Money Laundering, or similar industry qualification.
- You are interested in learning about emerging trends in the world of financial crime.
- You love connecting dots, spotting patterns in data, and independently solving problems.
- You feel confident making difficult, customer-impacting decisions.
- You’re great at explaining complex ideas simply, and have strong written English.
- You’re excited by our mission of making money work for everyone.
- You are self-motivated and take ownership of your own performance.
- You\’re keen to invest in your personal development and continuous learning – we’ll even support you in signing up for industry-recognised qualifications.
Not ticking every box? That’s totally okay! Studies show that women and people of colour might hesitate to apply unless they meet every single requirement. At Monzo, we’re dedicated to creating a diverse and welcoming team. If you’re passionate about this role and keen to learn and grow with us, we encourage you to apply— even if you don’t have everything that\’s listed just yet. Drop us your application, we’d love to hear from you!
Although this role is advertised for Anti Money Laundering, we may ask you to flex between our other Financial Crime pillars – Business Banking Fincrime, Screening or Law Enforcement. We’ll always give you additional training though anytime we ask you to take on new skills or task types!
What’s In It For You
£26,000 – £31,100 share options.
We guarantee to approve time off on your birthday if it falls on a day you’re scheduled to work and it’s outside of your training period.
UK Remote Based Role
£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.
The application journey has 3 key steps
- Application questions (we recommend about 250 words per question but please take your time, we read these carefully!)
- Recruiter Call
- 1 hour interview, Values & Role specific
This process should take around 2-3 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.
You’ll hear from us throughout the application process, but if you’ve got any questions, please reach out to hiring@monzo.com. You can also use this email address to let us know if there’s anything we can do to make the process easier for you because of disability, neurodiversity or anything else.
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, 2024 Diversity and Inclusion Report and 2024 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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Financial Crime Investigator - Anti Money Laundering (AML) employer: Monzo Bank
Contact Detail:
Monzo Bank Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Financial Crime Investigator - Anti Money Laundering (AML)
✨Tip Number 1
Familiarise yourself with the latest trends in financial crime and anti-money laundering. This knowledge will not only help you during the interview but also demonstrate your genuine interest in the field.
✨Tip Number 2
Network with professionals in the financial crime sector. Attend relevant webinars or local meetups to connect with others who work in AML. This can provide valuable insights and potentially lead to referrals.
✨Tip Number 3
Prepare for situational questions by thinking of examples from your past experiences where you've successfully handled challenging customer cases or made tough decisions. This will showcase your problem-solving skills effectively.
✨Tip Number 4
Research Monzo Bank's mission and values thoroughly. Be ready to discuss how your personal values align with theirs, as cultural fit is crucial for them. This will help you stand out as a candidate who truly resonates with their goals.
We think you need these skills to ace Financial Crime Investigator - Anti Money Laundering (AML)
Some tips for your application 🫡
Understand the Role: Before applying, make sure you fully understand the responsibilities of a Financial Crime Investigator at Monzo Bank. Familiarise yourself with anti-money laundering practices and the specific skills required for the role.
Tailor Your Application: Customise your CV and cover letter to highlight relevant experience in handling challenging customer cases or operational financial crime. Use specific examples that demonstrate your problem-solving skills and ability to analyse suspicious behaviour.
Answer Application Questions Thoughtfully: When responding to application questions, aim for around 250 words per question. Take your time to articulate your thoughts clearly, showcasing your understanding of financial crime and your passion for Monzo's mission.
Showcase Your Communication Skills: Since strong written English is essential for this role, ensure your application is free from grammatical errors and flows well. Clearly explain complex ideas simply, as this will reflect your ability to communicate effectively in the workplace.
How to prepare for a job interview at Monzo Bank
✨Understand the Role
Before your interview, make sure you thoroughly understand the responsibilities of a Financial Crime Investigator. Familiarise yourself with anti-money laundering regulations and the specific challenges faced in this role at Monzo Bank.
✨Showcase Problem-Solving Skills
Prepare examples from your past experiences where you've successfully solved complex problems or handled challenging customer cases. Highlight your analytical skills and ability to connect dots in data, as these are crucial for the role.
✨Communicate Clearly
Practice explaining complex ideas in simple terms. During the interview, focus on your communication skills, especially when discussing financial crime concepts. This will demonstrate your ability to convey important information effectively.
✨Express Your Passion for Learning
Monzo values continuous learning and personal development. Be ready to discuss how you plan to invest in your professional growth and any relevant qualifications you're interested in pursuing to enhance your skills in financial crime prevention.