Overview

Investigating complex or high-risk anti-money laundering alerts on customer accounts. 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’re on a mission to make money work for everyone. We’re waving goodbye to the complicated and confusing ways of traditional banking. Our product offering has grown over the last 10 years in the UK, with services including personal and business bank accounts, joint accounts, accounts for 16-17 year olds, a free kids account, and credit cards in the UK, plus opportunities to save, invest and combine pensions with us. We’re expanding in the EU and need Senior Investigators to lead the charge!

Responsibilities

• Investigate complex or high-risk anti-money laundering alerts on customer accounts.
• Recommend Suspicious Transaction Reports (STR) to be filed by Monzo Bank EU.
• Make customer onboarding decisions in high-risk or complex cases.
• Conduct ongoing due diligence on high-risk customer accounts.
• Provide financial crime expertise and support to other operational teams across the business.

Qualifications

• Strong English written and verbal communication skills.
• Fluent in Spanish (written and verbal) at CEFR C1 level or higher.
• Experience conducting high-risk customer screening or complex financial crime investigations.
• Experience making independent, risk-based financial crime decisions in a regulated financial services firm.
• Knowledge of the current financial crime landscape in the UK and the EU, and associated financial crime risks.

Role Details

• Remote in the UK
• Salary: £29,450 - £37,000 (+ £2,500 Multilingual Premium) with benefits
• Additional benefits include a £1,000 annual learning budget, home setup support, and access to share options
• Working hours to be covered by the team: 8:00–18:30 (8.5 hours per day with 1-hour lunch); flexibility required to meet customer demand
• Start date: Monday 5 January; commitment to the first 8 weeks with no holidays during training

Benefits and Perks

• Remote working setup and equipment provided (Macbooks for fully remote workers)
• £1,000 learning budget per year for books, training courses, and conferences
• Comprehensive benefits package; opportunities for career growth

Application Process

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