Senior Financial Crime Investigator – Business Banking
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Job Description
Senior Investigator in financial crime operations at Monzo. Focused on complex investigations and coaching team members to enhance their capabilities.
Responsibilities:
- Taking ownership of the most complex FinCrime Business Banking tasks, including Enhanced Due Diligence (EDD) for high-risk segments, Complex Customer Reviews (e.g, in sensitive areas like Sexual Services flags), and multi-jurisdictional money muling investigations.
- Writing, reviewing, and submitting high-quality Suspicious Activity Reports (SARs) to the National Crime Agency (NCA), ensuring they meet the highest legal and evidential standards.
- Maintaining a regular schedule on core investigative tasks to sustain your competency levels, directly support the domain’s Service Level Agreements, and remain connected to frontline challenges.
- Actively coaching Investigators on complex financial crime typologies, best practice, and performance improvement, to support in driving a culture of excellence.
- Working closely with our Operations Analysts, to share emerging trends and ensure that operational guidance is continuously updated and effectively embedded across the domain.
Requirements:
- Significant and specific experience in conducting end-to-end due diligence (KYB) and investigations on businesses (SMEs, Corporates, etc.) in a regulated financial crime setting.
- Proven ability to conduct in-depth, high-quality open-source research and analysis to corroborate customer profiles and transactional activity.
- Strong foundational and applied Financial Crime knowledge, specifically deep exposure to Know Your Business (KYB) and Anti-Money Laundering (AML) principles.
- A strong understanding of current UK and international financial crime trends and typologies, with particular expertise in those impacting business accounts (e.g. trade-based money laundering, complex shell structures, illicit use of payment services).
- A comprehensive understanding of the UK Suspicious Activity Reporting (SAR) regime, including consent requirements and the legislative framework (POCA).
Benefits:
- £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.
- 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.
- Flexible working hours and trust you to work enough hours to do your job well, and at times that suit you and your team.
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