At a Glance
- 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.
- Other info: We encourage applicants from all backgrounds; don’t hesitate to apply even if you don’t meet every requirement.
- 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.
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.
- 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.
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
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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#J-18808-LjbffrFinancial Crime Investigator - Anti Money Laundering (AML) employer: Monzo Bank
Monzo Bank is an exceptional employer that prioritises employee growth and development, offering a £1,000 annual learning budget and support for industry-recognised qualifications. With a flexible remote working culture and a commitment to diversity and inclusion, Monzo fosters an environment where employees can thrive while contributing to the mission of making money work for everyone. Join us in Nottingham or remotely in the UK, and be part of a team dedicated to solving problems and creating positive change in the banking sector.
StudySmarter Expert Advice🤫
We think this is how you could land Financial Crime Investigator - Anti Money Laundering (AML)
✨Join Compliance Communities
Get involved in compliance and risk communities — both online and offline. Look for forums, LinkedIn groups, or even local meetups where compliance pros hang out. You never know who might drop a job opportunity your way!
✨Attend Industry Conferences
Keep an eye out for compliance and risk management conferences and workshops in your area. These events are a goldmine for networking, and they often have job boards or recruiters on-site looking for new talent. Plus, it’s a chance to learn what's trending in the field.
✨Leverage Your University Career Services
If you’ve recently graduated or are still studying, head over to your university's career services. Many companies, including those in compliance, actively recruit fresh talent through these services, so make sure you tap into that resource.
✨Showcase Your Knowledge Online
Start writing articles or blog posts about compliance topics that interest you. Share them on platforms like LinkedIn to demonstrate your knowledge and passion. This not only builds your presence in the field but can also catch the attention of companies like Monzo Bank looking for candidates who are engaged and informed.
We think you need these skills to ace Financial Crime Investigator - Anti Money Laundering (AML)
Some tips for your application 🫡
Show Your Understanding of Compliance:In the compliance-risk field, it's super important to showcase your understanding of regulations and risk management frameworks. Highlight any relevant coursework, certifications (like ICA or AML), or even projects that demonstrate your knowledge and commitment to this area. We want to see how you can navigate this complex landscape!
Quantify Your Achievements:When detailing your experience, try to quantify your achievements. For example, if you've previously worked on a project that improved compliance metrics or reduced risk exposure, give us the numbers! This data-driven approach really stands out to hiring managers in compliance-risk roles.
Tailor Your CV to Reflect Relevant Skills:Make sure your CV highlights skills that are particularly relevant to compliance, like attention to detail, analytical thinking, and report writing. Ensure these are easy to spot – consider using bullet points to break down your responsibilities and achievements for maximum impact!
Craft a Motivating Cover Letter:In your cover letter, let us know why you’re excited about the compliance-risk role at Monzo Bank. Share what motivates you about compliance, and how you believe you can contribute to our mission. This is your chance to showcase not only your skills but also your passion for this important field!
How to prepare for a job interview at Monzo Bank
✨Master the Regulations
Brush up on key compliance regulations relevant to the industry you're applying to. Familiarising yourself with specific laws and frameworks used in your field will give you an edge during technical questions. Show that you’re not just aware of them but can also apply them—think real-life scenarios!
✨Show Your Analytical Skills
Compliance roles really focus on analytical skills, so be prepared for case studies or situational questions during the interview. We've got to demonstrate how we approach risk assessments or compliance audits, possibly drawing on examples from past experiences or university projects. Bring some thoughtful case scenarios to discuss!
✨Know Your Tools
Get comfortable with commonly used compliance software and tools. Familiarity with platforms like RSA or MetricStream can really impress during your interview, as it shows you're ready to hit the ground running. If you’ve had any experience with them, make sure to highlight that!
✨Align with Company Culture
Since it's a full-time position, show your long-term commitment and interest in the company’s mission and values. Dive into how your ethics and professional philosophy align with Monzo Bank’s stance on compliance. A shared vision can really resonate with interviewers looking for fit as much as skill!
