[Hiring] Senior Financial Crime Investigator - Business Banking @Monzo

Role Description

As a FinCrime Business Banking Senior Investigator, you will play a pivotal role within our financial crime operations. Your main focus will be completing some of our higher risk, high complexity financial crime tasks on our business accounts, while supporting our Team Managers and coaching our Investigators to achieve our quality and productivity goals.

• Taking ownership of the most complex FinCrime Business Banking tasks, including Enhanced Due Diligence (EDD) for high-risk businesses, Complex Customer Reviews, 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.

Qualifications

• 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.
• A comprehensive understanding of the UK Suspicious Activity Reporting (SAR) regime, including consent requirements and the legislative framework (POCA).

Requirements

• It will be useful, but not essential if you have direct experience of completing Enhanced Due Diligence (EDD) and/or Complex Customer Reviews, and/or have experience writing and reviewing/approving SARs.
• You have formal or informal experience of coaching, mentoring, or training peers or more junior members of the team.
• You can demonstrate a track record of identifying areas for control/process improvement and successfully working with, or escalating to, relevant stakeholders to implement change.
• You hold or are working towards an appropriate qualification relevant to Financial Crime (e.g. ACAMS, ICA Diploma).

Benefits

• £29,450- £37,250 ➕ share options.
• Guaranteed time off on your birthday if it falls on a day you’re scheduled to work and it’s outside of your training period.
• Remote based in the UK.
• £1,000 learning budget each year to use on books, training courses, and conferences.
• All employees are given Macbooks and for fully remote workers, extra support for your work-from-home setup.
• Plus lots more!