Fraud Investigator - Prevent

Overview

Fraud Investigator – Prevent role at Monzo Bank. Remote, UK. Salary £26,000 – £31,400 (depending on experience displayed in the CV and interview) + Benefits. Start date Monday 19th January 2026. Please only apply for this role if you have worked in a fraud role within financial services.

What you’ll be doing

The Fraud Investigator role within our Prevent pillar provides vital intervention and response to Monzo customers who are experiencing potential active fraud attempts on their funds across two main channels:

• Authorised card payment fraud
• Authorised faster payment fraud

Note: as part of the role you will be required to make outbound calls.

Our mission in the Financial Crime & Fraud Collective is to earn and keep our customers’ trust, support Monzo’s safe growth, and contribute to building a safer society. Our Fraud Investigators are crucial to the success of this mission.

Key responsibilities

• Gathering evidence from flagged transaction data
• Investigate the nature of suspicious transactions with empathy and attention to detail over the phone and via chat, using Monzo’s values
• Reassure and support customers through the process of identifying active fraud
• Independently make decisions on cases and release or block flagged transactions
• Collaboratively make decisions on cases and release or block flagged transactions
• Triaging cases
• Reviewing limit increase requests from customers
• Submitting accounts for closure where first party concerns are held following investigation (in line with relevant guidance)
• Safeguarding compromised accounts and taking appropriate remedial action to ensure customers can resume safe usage of their Monzo account
• Providing advice and support to victims of fraud on how they can protect themselves in the future
• Completing any post-investigation activity as required

Shifts

• You’ll need to be available Monday to Sunday between 9am and 10pm. You will work 4 days and have 3 rota’d days off per week. In a 12 week rotation you’ll work 4 full weekends and have 4 weeks of 10pm finishes.

What we’d love to hear from you

• You are able to start on Monday 19th January 2026 and attend 6 weeks training, Monday to Friday 9am to 5:30pm (please note that holidays or appointments during training are not allowed)
• Experience in banking or other financial services such as FOS, HMRC
• A law enforcement background
• Excellent communication skills (English)
• Ability to explain things clearly and persuasively
• Familiarity with common fraud typologies
• Confidence in investigating, problem-solving, and decisive decision-making
• Ability to work well independently and collaboratively with the wider team
• Values-driven approach in line with Monzo’s core values
• You are a UK resident with the right to work in the UK

Benefits and work setup

• This is a distributed (work from home) role, but you can be based in our Cardiff office if you prefer
• Learning budget of £1,000 a year for books, training courses and conferences
• 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
• And much more – see our full list of benefits

To Work Remotely You\’ll Also Need

• To work from home in the UK in a safe, private and distraction-free environment
• A solid internet connection (download speed 10 Mbps; upload speed 5 Mbps)

Equipment

• Macbook laptop provided on first day; you don’t need to supply your own
• You will need to own your own smartphone for logging into our customer support system

Equal opportunities for everyone

Diversity and inclusion are a priority for us. We foster an inclusive environment and encourage all applicants regardless of age, ethnicity, religion, sex, sexual orientation, gender identity, family or parental status, national origin, veteran status, neurodiversity or disability status. See our diversity reports for more details. If you have a preferred name, please use it to apply.