Financial Crime Business Banking Operations Analyst

Cardiff, London or Remote (UK)

We’re on a mission to make money work for everyone.

We’re waving goodbye to the complicated and confusing ways of traditional banking.

With our hot coral cards and get-paid-early feature, combined with financial education on social media and our award winning customer service, we have a long history of creating magical moments for our customers!

We’re not about selling products - we want to solve problems and change lives through Monzo.

Our Financial Crime team We're expanding our Business Banking product and need awesome Operations Analysts to lead the charge! In this role, you'll be a critical part of our Financial Crime Operations team, providing expert guidance, handling complex investigations, and acting as the final point of technical escalation. Your expertise will ensure our operations are efficient, compliant, and effective in combating financial crime, all while supporting the growth of Monzo. We're looking for someone with significant experience in this area who is passionate about making a real difference.

• Investigating the most complex and high-risk financial crime cases, ensuring accurate and efficient resolution within service level agreements.
• Serving as the final point of technical escalation and approval for Financial Crime Investigators and Team Managers, including resolving quality challenges.
• Providing specialist knowledge, coaching, and constructive feedback to Financial Crime Investigators and Team Managers to enhance service, quality, and performance.
• Working with Control Owners, Analysts, and Product Partners to test, launch, and embed new tasks, processes, or rules, and leading their implementation.
• Supporting operational effectiveness through deep dives, identifying knowledge gaps, and providing product/process feedback to improve tools and risk management.
• Final point of escalation for onboarding decisions in high risk/complex cases.
• Supporting our Learning and Development Team to create new learning materials and guidance for workshops and training sessions.
• You have extensive subject matter expertise in Financial Crime (FinCrime) with a strong understanding of policies and regulations within a business banking environment.
• You are a strong team player and able to work effectively as part of a technical team.
• You have significant experience in conducting complex Financial Crime investigations with limited or no supervision to resolution.
• You have the ability to handle complex escalations within the Financial Crime domain.
• You have significant experience identifying trends and delivering Financial Crime technical training and coaching.
• You can provide actionable specific feedback to a wide range of audiences and levels.
• You have great time management skills, experience of managing conflicting priorities and prioritising time sensitive workloads.
• You are able to articulate FinCrime risks facing fintechs and the banking sector.
• Bonus points if you hold, or are working towards, a professional qualification in Anti Money Laundering (AML) (e.g. ICA Advanced Certificate, ACAMS).
• You might have fluency in MacOS, Slack, and GSuite tools. But if you don’t hold these, we would still like to hear from you.

Not ticking every box? That’s totally okay! Studies show that women and people of colour might hesitate to apply unless they meet every single requirement. At Monzo, we’re dedicated to creating a diverse and welcoming team. If you’re passionate about this role and keen to learn and grow with us, we encourage you to apply— even if you don’t have everything that's listed just yet.

What’s in it for you

We guarantee to approve time off on your birthday if it falls on a day you’re scheduled to work and it’s outside of your training period.

This role can be based in our Cardiff or London office, but we're open to distributed working within the UK (many of our teams work this way).

We offer flexible working hours and trust you to work enough hours to do your job well, and at times that suit you and your team.

£1,000 learning budget each year to use on books, training courses and conferences.

We will set you up to work from home; all employees are given Macbooks and for fully remote workers we will provide extra support for your work-from-home setup.

The application journey has 3 key steps:

• CV and application questions.
• Call with one of our Recruitment team.
• A Leadership, Values and Technical interview with the team.

This process should take around 2-3 weeks - your schedule is really important to us, so we promise to be as flexible as possible!

We have some guidelines on using Artificial Intelligence (AI) to ace an application and interview at Monzo.

We’ll only close this role once we have enough applications for the next stage. Please submit your application as soon as possible to make sure you don’t miss out.

Equal opportunities for everyone

Diversity and inclusion are a priority for us and we’re making sure we have lots of support for all of our people to grow at Monzo. At Monzo, we’re embracing diversity by fostering an inclusive environment for all people to do the best work of their lives with us.

We’re an equal opportunity employer. All applicants will be considered for employment without attention to age, ethnicity, religion, sex, sexual orientation, gender identity, family or parental status, national origin, or veteran, neurodiversity or disability status.