Senior Financial Crime Investigator, Overnight Team 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 ️ 8 weeks training, fully remote, training will be Monday – Friday 9am – 5:30pm 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. As part of the application process, we\’ll ask you more about the below shift patterns, please note this role will require you are fully flexible to accommodate both possible shift rotations. 5pm-1.30am with with a 1 in 3 weekend rotation £208 monthly allowance on top of base salary (£2503 per year) 12.30am-9am with a 1 in 3 weekend rotation £417 monthly allowance on top of base salary (£5004 per year) Our Financial Crime Overnight Team We are looking for night owls who love solving problems and keeping up-to-date with the latest financial crime and fraud trends to join our late team, working 12am – 9am, and help Monzo make money work for everyone.We complete a diverse range of fraud and financial crime tasks within our Overnight team, to ensure that we keep Monzo and our customers safe around the clock. We believe that the Overnight team is best placed to protect our customers and Monzo when they have a holistic understanding of the threats that we need to prevent. This means that all financial crime and fraud work is tackled as one Overnight team with multi-skilled individuals.This means that you’ll have the opportunity to be exposed to, and trained to work on, a variety of financial crime and fraud tasks over the course of your career at Monzo. One of our current Out of Hours Investigators tells you more: \’Working as an Out of Hours Anti-Money Laundering Investigator has not only allowed me to build on my existing skill-set but also given me a level of freedom during the day that I now find invaluable. In the evenings and nights I help to keep our business safe whilst also finding ways to support the team around me – especially those new to the role – and during the day I\’m free to take care of chores, spend time with friends & family, and also study! Talking of studying – the £1000 learning budget that Monzo grants each employee has allowed me to sign-up for an advanced course to hone my Investigator skills. Several of my peers are also doing this and it has been a great way to develop our understanding of the industry whilst also building a network of colleagues & friends. Initially, I found the pace of work challenging to maintain as Monzo operates a little differently to my previous employer and I worried that working later hours would mean reduced support – but the Out of Hours team were there to help me each step of the way, building my confidence, providing me with constructive feedback, and offering second opinions on trickier tasks. Now that I\’m up-to-speed, the most rewarding part of my job is helping others – something that my manager and I have started building into my personal development plan and I\’m so excited to see where my Monzo career takes me next…\’ Making decisions about what to do with customer accounts that are flagged by our transaction monitoring system Writing suspicious activity reports for Monzo and the National Crime Agency Engaging with other banks and financial institutions about reports of fraudulent behaviour Securing fraudulent funds so that they can be returned to victims We’d love to hear from you if… You have experience working in operational financial crime, fraud, or screening teams – or think that you have other relevant experience that we should consider You have a keen interest in anti-money laundering or fraud trends You love connecting the dots and solving problems You are comfortable making judgement-based decisions in a changing environment You’re great at explaining things to people, and have flawless written English You’re excited by our mission of making money work for everyone What’s in it for you 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. This role is remote based in the UK £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. The application journey has 3 key steps Initial application questions (please take your time, we read these carefully!), A call with the Recruiter Values & role-specific technical skills interview to assess your AML knowledge Please note you should submit your own application without help from other sources e.g Others/ChatGPT any applications whereby external support has been provided will be disqualified. Our average process takes around 2-3 weeks but we will always work around your availability. You will have the chance to speak to our recruitment team at various points during your process but if you do have any specific questions ahead of this please contact us via Sophiewalker@Monzo.com #LI-REMOTE #LI-SW 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. 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Your answer to this question won\’t affect the outcome of your application, unless you\’d need visa sponsorship but are applying to a role we can\’t sponsor. If you’d like to, please share your preferred pronouns (eg. they/them/theirs, she/her/hers). If you\’d like to, please spell out your name how it\’s pronounced so we know how to say it. Tell us about the most complex case you have worked on and what your involvement in it was? What made it so complex and what was the outcome? (Recommended word count 250-500) Out of the two shift types advertised, please confirm what your preference would be? * At this stage we cannot guarantee we\’ll be able to accommodate your shift preferences, therefore can you also confirm your able to work both patterns advertised? * Please confirm you are able to start with us on Monday 1st September? * Identity survey Our goal at Monzo is to make money work for everyone. To do that, working at Monzo must work for everyone. 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