Overview

We’re on a mission to make money work for everyone. We’re waving goodbye to the complicated and confusing ways of traditional banking. After starting as a prepaid card, our product offering has grown in the UK over the last 10 years. We offer personal and business bank accounts, joint accounts, accounts for 16-17 year olds, a free kids account and credit cards, with more to come. Our UK customers can also save, invest, and combine their pensions with us. With our hot coral cards and get-paid-early feature, combined with financial education on social media and award-winning customer service, we have a history of creating magical moments for our customers. We’re not about selling products – we want to solve problems and change lives through Monzo. Hear from our UK team about what it’s like working at Monzo.

Remote in the UK | £29,450 - £37,000 (+ £2,500 Multilingual Premium) benefits. Hear from the team.

Senior Investigator – EU (Remote UK)

Hey there! We’re Monzo, the bank that makes money work for everyone. We are expanding in the EU and need awesome Senior Investigators to lead the charge.

You’ll play a key role by

• Investigating complex or high-risk anti-money laundering alerts on customer accounts.
• Being responsible for recommending Suspicious Transaction Reports (STR) to be filed by Monzo Bank EU.
• Making customer onboarding decisions in high-risk or complex cases.
• Conducting ongoing due diligence on high-risk customer accounts.
• Providing financial crime expertise and support to other operational teams across the business.

We’d love to hear from you if

• You have strong English written and verbal communication skills.
• You are fluent in Spanish written and verbal communication skills (to at least CEFR C1 level).
• You have strong experience conducting high-risk customer screening or complex financial crime investigations.
• You have experience making independent, risk-based financial crime decisions in a regulated financial services firm.
• You have knowledge of the current financial crime landscape in the UK and the EU, and associated financial crime risks.

Working hours, start date and benefits

The working hours for the team are 8:00–18:30 (8.5 hours per day with a 1 hour lunch). The successful candidate should be flexible to meet customer demand. Start date is Monday 5 January, and you must be able to commit to the first 8 weeks. No holidays/time off will be authorised during this period.

What’s in it for you

• Salary £29,450 - £37,000 (+ £2,500 Multilingual Premium) plus share options.
• Time off on your birthday if it falls on a scheduled work day outside of training.
• Remote-based role in the UK.
• £1,000 learning budget per year for books, training courses and conferences.
• MacBooks provided; additional work-from-home setup support for fully remote workers.
• Plus more benefits – read our full list of benefits.

Ready to join the Monzo adventure? Apply now and help us make money work for everyone in the EU.

Application journey

1. Application questions
2. Call with a Recruiter
3. Interview to discuss previous experience, technical knowledge and values
4. Spanish language assessment (final step)

Not ticking every box? That’s totally okay. Monzo is dedicated to diversity and inclusion. If you’re passionate about this role and keen to learn, we encourage you to apply—even if you don’t have everything listed yet. Drop us your application—we’d love to hear from you.

Guidelines on using AI to ace an application are available. Our average process takes 2–3 weeks, but we will work around your availability. If you have questions, contact us at hiring@Monzo.com.

The closing date for applications is Friday 10 October 2025.

Equal opportunities

Diversity and inclusion are a priority. We foster an inclusive environment and encourage applications from all backgrounds. You can read more in our blog, Diversity and Inclusion Report, and Gender Pay Gap Report. We are an equal opportunity employer and consider all applicants without regard to age, ethnicity, religion, sex, sexual orientation, gender identity, family or parental status, national origin, veteran status, neurodiversity or disability status. If you have a preferred name, please use it to apply.