Senior Financial Crime Investigator, Out of hours, Business Banking

About the role

The Senior Financial Crime Business Banking Investigator team serves as Monzo’s frontline defence against complex economic crime. The team conducts rigorous onboarding and ongoing compliance checks, unravelling complex financial crime typologies and mitigating risk through investigation, reporting and account closures.

Key responsibilities

• Take ownership of the most complex FinCrime Business Banking tasks, including multi-jurisdictional money muling investigations and Transaction Monitoring Reviews
• Write 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 and support SLAs
• Actively coach Investigators on complex financial crime typologies and best practice
• Work closely with Operations Analysts to share emerging trends

Shifts

Two shift patterns available: 5pm-1:30am or 12:30am-9am. Both include a shift allowance. You will work 37.5 hours per week, Monday to Friday, plus one full weekend every 3 weeks with 2 days in lieu. First 6 weeks are training (Monday-Friday 9am-5:30pm); no time off can be approved during this period.

What we’re looking for

• Deep KYB & AML expertise with significant experience conducting end-to-end business due diligence and investigations in a regulated financial setting
• Skilled researcher with proven ability to leverage open-source intelligence
• 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 (ICA or ACAMS)

Benefits

• Salary £31,100 – £39,350 plus shift allowance and performance incentives
• £1,000 annual learning budget
• MacBook and home-working support
• Guaranteed birthday leave (outside training)