Senior Financial Crime Investigator, EU, Fluent Spanish and English Speaking

Monzo Bank Limited

Job Overview

Location

Cardiff, London or Remote (UK)

Job Type

Full-time

Full Job Description

📋 Description

• Join Monzo Bank, a forward-thinking digital bank on a mission to make money work for everyone, as a Senior Financial Crime Investigator for our EU operations.
• We are revolutionizing traditional banking by eliminating complexity and creating exceptional customer experiences, and we need your expertise to safeguard our growth and reputation.
• This pivotal role is based remotely within the UK, offering flexibility while requiring commitment to our operational hours and initial training period.
• You will be instrumental in identifying, investigating, and mitigating financial crime risks, particularly concerning business accounts within the EU.
• Your primary responsibility will be to meticulously investigate complex and high-risk anti-money laundering (AML) alerts, ensuring compliance with regulatory frameworks.
• You will play a critical role in recommending whether Suspicious Transaction Reports (STRs) should be filed by Monzo Bank EU, contributing directly to the fight against financial crime.
• This involves making crucial business onboarding decisions for high-risk or complex client profiles, applying rigorous due diligence and risk assessment.
• You will also be responsible for conducting ongoing due diligence on existing high-risk business accounts, ensuring continuous monitoring and adherence to policies.
• A key aspect of this role is providing expert financial crime knowledge and support to various operational teams across the business, fostering a strong culture of compliance.
• You will be expected to stay abreast of the evolving financial crime landscape, including emerging threats and regulatory changes within both the UK and the EU.
• This role demands a proactive approach to risk management, identifying potential vulnerabilities and recommending preventative measures.
• You will collaborate with internal stakeholders, including compliance, legal, and operations teams, to ensure a cohesive and effective financial crime prevention strategy.
• The ability to interpret and apply complex regulations and internal policies to real-world scenarios is essential.
• You will contribute to the continuous improvement of our financial crime detection and prevention processes, suggesting enhancements based on your investigations and market intelligence.
• The role requires a keen eye for detail, strong analytical skills, and the ability to make sound, independent judgments under pressure.
• You will be part of a dedicated team covering operational hours from 7 am to 6:30 pm, working 8.5-hour shifts (including a 1-hour lunch break).
• This role also involves working one in four weekends, reflecting the need for continuous coverage to protect our customers and the bank.
• Flexibility is key, as you may need to adapt your schedule to meet customer demand and operational requirements.
• A strong commitment to the initial 8-week training period is mandatory, with no holidays authorised during this critical onboarding phase.
• You will be empowered to make significant decisions, contributing to the integrity and security of Monzo's EU operations.
• This is an opportunity to make a tangible impact in a fast-growing, innovative fintech company that is challenging the status quo in banking.
• You will be at the forefront of financial crime prevention in a dynamic and rapidly evolving market.
• Your work will directly contribute to Monzo's mission of making banking accessible, fair, and transparent for everyone.
• We value a proactive and curious mindset, encouraging you to question, learn, and grow within your role.
• You will be part of a supportive team environment that encourages collaboration and knowledge sharing.
• The role offers a competitive salary, share options, and a comprehensive benefits package designed to support your well-being and professional development.
• Embrace the challenge of safeguarding a leading digital bank against sophisticated financial crime threats.
• Contribute to building trust and security for Monzo's expanding EU customer base.
• This is more than just a job; it's a chance to be part of a movement that's reshaping the future of finance.

🎯 Requirements

• Fluent in Spanish (written and verbal communication skills, CEFR C1 level or equivalent).
• Strong English written and verbal communication skills.
• Proven experience in conducting high-risk business banking screening or complex financial crime investigations within a regulated financial services firm.
• Demonstrated experience in making independent, risk-based financial crime decisions.
• Solid understanding of the current financial crime landscape in the UK and EU, including relevant risks and typologies.

🏖️ Benefits

• Competitive salary (£29,450 - £37,000) plus a £2,500 Multilingual Premium.
• Share options in the company.
• Guaranteed time off on your birthday (if it falls on a scheduled workday and outside the training period).
• £1,000 annual learning budget for books, training courses, and conferences.
• Home working setup support, including a Macbook and additional home office provisions for remote workers.
• Comprehensive benefits package, including access to a full list of further perks.

Skills & Technologies

Senior

Remote

£29k-37k

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Monzo Bank Limited

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About Monzo Bank Limited

Monzo Bank Limited is a UK-regulated digital bank offering personal, joint, and business accounts, savings, loans, overdrafts, and mortgages via a mobile-first platform. Licensed by the PRA and FCA, it provides real-time spending notifications, budgeting tools, and fee-free foreign transactions. Founded in 2015 as Mondo, it rebranded in 2016 and serves over nine million customers.

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