Job Overview
Location
Cardiff, London or Remote (UK)
Job Type
Full-time
Category
Product Management
Date Posted
February 24, 2026
Full Job Description
đź“‹ 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
ÂŁ29k-37k
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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