Senior Investigator, Operations Analyst, Financial Crime (Multilingual)

🚀 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 ❤️

Remote (UK) | 💰 Salary starting at £31,100 (ranging up depending on experience and role level) + potential multilingual premium later on in role (£2,500) + performance related bonus + benefits ✨

⭐Our Financial Crime Operations team

At Monzo, protecting our customers and the financial system is at the heart of what we do. We’re always looking to connect with talented Financial Crime professionals who are passionate about tackling money laundering, fraud, and financial crime risks while delivering a brilliant customer experience.

We’re building a talent pool of Senior Financial Crime Investigators and Financial Crime Operations Analysts to support future growth across our Financial Crime Operations function. If you’re fluent in English and one or more European languages we’d love to hear from you.

🔑You’ll play a key role by…

• Investigating complex, high-risk financial crime cases, alerts, and customer activities across business accounts.
• Making informed risk-based decisions on customer onboarding, due diligence reviews, and ongoing account monitoring.
• Identifying suspicious activity and recommending appropriate escalation, including Suspicious Transaction Reports (STRs) where required.
• Acting as a subject matter expert, providing financial crime guidance and support to operational teams across the business.
• Partnering with product, risk, learning, quality, and operational teams to improve processes, controls, and customer outcomes.
• Driving operational excellence by identifying opportunities to improve tools, guidance, processes, and ways of working.
• Supporting operational readiness, change delivery, quality improvements, training initiatives, and complex escalations within Financial Crime Operations.

🤩 We’d love to hear from you if…

• You’re fluent in English and can confidently communicate in at least one additional European language
• You have experience investigating financial crime, anti-money laundering, onboarding, due diligence, or other complex risk-related cases.
• You’re comfortable making well-reasoned decisions in complex or high-risk situations using a risk-based approach.
• You can analyse information from multiple sources, identify key risks, and communicate findings clearly to a range of stakeholders.
• You enjoy improving processes, solving operational challenges, and helping teams work more effectively.
• You’re confident collaborating across functions and influencing positive outcomes through strong communication and stakeholder management.
• You care deeply about delivering excellent customer outcomes while maintaining high standards of compliance and risk management.

The working hours to be covered by the team will be 7am – 6.30pm and this will be based on 8.5 hours per day (with a 1 hour lunch included). This will include 1 in 4 weekends. We can offer shifts Monday – Friday (1 in 4 Weekends) or Sunday – Thursday /Tuesday – Saturday. The successful candidate will be required to be flexible in order to meet our customer demand. The first 8 weeks of the role will be training, Monday to Friday 9am – 5.30pm. No holidays/time off will be authorised during this period.

🙌 What’s in it for you

📍Remote (UK)

🎂 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.
📚£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 the following key steps

• Application questions.
• Call with a Recruiter
• Interview to discuss your previous experience and technical knowledge and values
• Final stage language assessment.

Because this is a talent pool, our timeline looks a little different than usual. It might be a few weeks (or even a couple of months) before we officially kick off the interview process.

We don’t like leaving people in the dark, so we promise to keep you in the loop. We’ll share regular updates with you along the way – even if it’s just to let you know that things are still on pause for now. Your schedule is really important to us, so when things do kick off, we promise to be as flexible as possible!

Using AI? 🤖 We have some guidelines on how to use Artificial Intelligence to ace your application and interview at Monzo. You can read them here.

One last thing: We’ll keep this talent pool open for a while, but we will close it once we have enough applications. If you’re interested, please apply as soon as you can so you don’t miss out!

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