Financial Crime Investigator - Anti Money Laundering (AML) New Remote (UK)

We’re on a mission to make money work for everyone. We’re waving goodbye to the complicated and confusing ways of traditional banking. 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.

Shifts: You will work 37.5 hours per week. This means you will work Monday to Friday, from 9AM to 5:30PM, with a one-hour lunch break. You will also work one full weekend (Saturday and Sunday), once every 8 weeks.

About us: We’re here to make money work for everyone and we’re doing things differently. For too long, banking has been obtuse, complex and opaque. We want to change that and build a bank with everyone, for everyone. Our amazing community suggests features, tests the app and gives us constant feedback so we can build something everyone loves. We’re focused on solving problems, rather than selling financial products. We want to make the world a better place and change people’s lives through Monzo.

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. As a member of our anti-money laundering team, you will spend your time:

• 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 should apply if:

• You have experience of handling challenging customer cases in a regulated industry, or have existing operational financial crime experience.
• 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’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.

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!

The interview process: Our interview process involves 2 main stages: Application questions (we recommend about 250 words per question but please take your time, we read these carefully!) and a 1-hour interview, Values & Role specific. Our average process takes around 2-3 weeks but we will always work around your availability.

This role is remote in the UK but you can work in our Cardiff office if you live locally and prefer an office environment. 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. Learning budget of £1,000 a year for books, training courses and conferences.

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. 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.