Financial Crime Specialist – Transaction Monitoring / SARs - Hybrid

Our Story

Hello there. We’re Zopa.

We started our journey in 2005, building the first peer-to-peer lending company. In 2020, we launched Zopa Bank, a bank that listens to what our customers dislike about finance and does the opposite. We’re redefining the experience of working in finance. Our vision for a new era of banking puts people at the center — empowering everyone to aim high, every day, and move finance forward. Find out more at Zopa.com .

We’re proud of our achievements, including being named among the UK’s Most Loved Workplaces. None of this would be possible without our amazing team. If you thrive on unconventional challenges, think differently, and want to make a significant impact, join us at Zopa. Follow us on Instagram @zopalife to see us in action.

Job role:

We are seeking a detail-oriented and highly motivated Transaction Monitoring Agent to join our Financial Crime Operations team. The successful candidate will monitor and analyze financial transactions to detect and prevent suspicious activity related to money laundering, fraud, and other financial crimes.

This role demands a strong understanding of financial regulations, excellent analytical skills, and the ability to work effectively in a fast-paced, team-oriented environment.

Working hours:

This is a hybrid role — the team works in the office on Tuesdays and Thursdays. Your working week will consist of 7.5-hour shifts between 8 am and 8 pm, Monday to Friday, with one weekend day every other week, remotely. If you work a weekend day, you\’ll get a day off during the week.

A day in the life:

• Mule Alerts Investigation: Investigate Mule alerts raised through transaction monitoring systems.
• Transaction Monitoring: Review customer transactions for suspicious activity, including money laundering, fraud, and terrorist financing.
• Escalation: Escalate suspicious transactions for further investigation, ensuring compliance with legal and regulatory obligations.
• SAR Preparation: Prepare and submit Suspicious Activity Reports (SARs) accurately and promptly.
• Investigation Tracking: Track ongoing investigations and SAR filings for audit purposes.
• Audit Support: Support audits related to suspicious activity investigations.
• Reporting: Prepare detailed investigation reports with findings and recommendations.
• Documentation: Maintain records of transactions and investigations for regulatory reviews.
• Regulatory Compliance: Ensure compliance with UK regulations including FCA, POCA, and MLR.
• Regulatory Updates: Stay informed on changes in financial crime regulations and best practices.
• Collaboration: Work with teams across Financial Crime Operations, Compliance, Risk, and Forensics.
• Customer Communication: Handle phone-based customer interactions with high service standards.

About you:

• Experience in financial crime, fraud, or transaction monitoring within banking or financial services.
• Knowledge of UK financial crime regulations such as POCA, MLR, and FCA guidelines.
• Familiarity with transaction monitoring systems.
• Strong analytical and investigative skills with attention to detail.
• Excellent communication skills for reports and stakeholder interactions.
• Ability to work under pressure and manage priorities in a fast environment.
• Understanding of banking products and services.
• Proficiency with Microsoft Office Suite.
• Organized and methodical, capable of handling complex investigations.
• Decisive with confidence to escalate issues when necessary.
• Desirable: ACAMS or ICA certification and experience in a regulated UK financial institution.

We\’re on the move!

By late 2025, Zopa will move to a new headquarters at 20 Water Street, Canary Wharf, fostering collaboration for our 900 employees amidst growth.

Work flexibility:

We value flexible working. This hybrid role requires two days in our London office weekly. You may work from abroad up to 120 days/year, subject to right to work in that country.

Diversity Statement

Zopa is committed to a workplace free from discrimination. We value diverse backgrounds and perspectives, reflected in our hiring and culture. Please inform us if you need reasonable adjustments to participate fully.

#J-18808-Ljbffr