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You’ll own the most complex financial crime investigations for business banking, including Enhanced Due Diligence, high‑risk customer reviews, and writing Suspicious Activity Reports for the NCA. You’ll also maintain a regular investigative schedule and coach junior investigators.
The team seeks candidates with deep KYB/AML expertise, strong open‑source research skills, and solid knowledge of UK and international financial crime regulations. You should thrive in a fast‑paced environment, be impact‑driven, and have leadership or mentoring experience, ideally with ICA or ACAMS credentials.
This role is the frontline defence against sophisticated fraud and money‑laundering, protecting Monzo’s customers and the broader ecosystem while ensuring financial integrity across the customer lifecycle.
🚀 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 ❤️
UK Remote | 💰 £31,100 - £39,350 + Incentive Awards tied to your performance + Benefits | Hear from the team ✨
Start date: Monday 18th January, 2027
The Senior Financial Crime Business Banking Investigator team serves as Monzo’s frontline defence against complex economic crime, safeguarding our ecosystem and customers, from startups to established SMEs, against sophisticated fraud and money laundering. Operating within a specialised, risk-focused "Pillar," this critical operational team builds deep subject matter expertise to ensure financial integrity across the entire customer lifecycle. The team is responsible for conducting rigorous onboarding and ongoing compliance checks, unravelling complex financial crime typologies, and directly mitigating risk through thorough investigation, reporting, and account closures.
You will work 37.5 hours per week, Monday to Friday, from 9:00am to 5:30pm. You will also work one full weekend (Saturday and Sunday) once every 4 weeks, with 2 set days in lieu provided when working the weekend shift.
We cannot approve any time off during your first 6 weeks of employment with us due to training. Your training will be held Monday-Friday, 9am-5:30pm.
💰 Salary range of £31,100 - £39,350 + Incentive Awards tied to your performance
🎂 We guarantee to approve time off on your birthday if it falls on a scheduled work day (outside of your training period).
📍 This role is fully remote and based within the UK.
📚 A £1,000 annual budget to spend on books, training courses, and conferences.
🏡 We will set you up for success from home; all employees are provided with MacBooks, and fully remote workers receive extra support for their work-from-home environment.
➕ Plus lots more! Read our full list of benefits.
This process should take around 3-4 weeks - your schedule is really important to us, so we promise to be as flexible as possible!
We have some guidelines on using Artificial Intelligence (AI) to ace an application and interview at Monzo. You can read them here.
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.
#LI-REMOTE #LI-NG2
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, 2026 Diversity and Inclusion Report and 2025 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.
If you have a preferred name, please use it to apply. We don't need full or birth names at application stage 😊
