Overview

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

Responsibilities

• Investigate complex or high-risk AML alerts on business accounts.
• Recommend STRs to Monzo Bank EU when appropriate.
• Make risk-based onboarding decisions for high-risk or complex cases.
• Conduct ongoing due diligence on high-risk business accounts.
• Provide financial crime expertise and support to other teams across the business.

Qualifications

• Strong English written and verbal communication skills.
• Fluent in Spanish (written and verbal) to at least CEFR C1 level.
• Experience conducting high-risk business banking 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 | £29,450 - £37,000 (+ £2,500 Multilingual Premium) + Benefits

We are Monzo, expanding in the EU. We are seeking Senior Investigators to lead the charge. The working hours to be covered by the team will be 8:00–18:30, based on 8.5 hours per day (1-hour lunch). Start date: Monday 5 January; you must be able to commit to the first 8 weeks with no holidays during this period.

What’s in it for you

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

Ready to join the Monzo adventure?

Apply now and help us make money work for everyone in the EU. The application journey consists of four steps: application questions, call with a Recruiter, interview on experience and technical knowledge/values, and a final Spanish language assessment.