Senior Financial Crime Investigator, Business Banking

About the role

The Senior Financial Crime Business Banking Investigator team serves as Monzo’s frontline defence against complex economic crime, safeguarding customers from startups to established SMEs against sophisticated fraud and money laundering.

The team conducts rigorous onboarding and ongoing compliance checks, unravelling complex financial crime typologies, and directly mitigating risk through thorough investigation, reporting, and account closures.

Key responsibilities

• Take 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.
• Write, review, and submit high-quality Suspicious Activity Reports (SARs) to the National Crime Agency (NCA).
• Maintain a regular schedule on core investigative tasks to sustain competency levels and support SLAs.
• Actively coach Investigators on complex financial crime typologies, best practice, and performance improvement.
• Work closely with Operations Analysts to share emerging trends and ensure operational guidance is updated.

What we’re looking for

• Deep KYB & AML expertise with significant experience conducting end-to-end business due diligence and complex investigations within a regulated financial setting.
• Skilled researcher with proven ability to leverage open-source intelligence and analysis.
• Strong grasp of UK and international financial crime trends and the UK SAR regime.
• Ability to thrive in a fast-paced environment with high flexibility.
• Impact-driven with a genuine desire to protect customers.
• Leadership skills, ideally with mentoring experience or a relevant qualification such as ICA or ACAMS.

Working pattern

You will work 37.5 hours per week, Monday to Friday, from 9:00am to 5:30pm. You will also work one full weekend once every 4 weeks, with 2 set days in lieu provided. No time off can be approved during the first 6 weeks due to training.

Benefits

• Salary range of £31,100 - £39,350 + Incentive Awards tied to your performance.
• £1,000 annual budget to spend on books, training courses, and conferences.
• MacBooks provided; fully remote workers receive extra support for their work-from-home environment.
• Guaranteed time off on your birthday if it falls on a scheduled work day (outside of training period).

This role is fully remote and based within the UK. Start date: Monday 18th January, 2027.