Senior Financial Crime Investigator, Business Banking, EU, Fluent Spanish and English

Cardiff, London or Remote (UK)

We’re on a mission to make money work for everyone. We’re expanding in the EU and need Senior Investigators to lead the charge.

Overview

We’re not about selling products—we want to solve problems and change lives through Monzo. We’re looking for experienced Senior Financial Crime Investigators to join our EU effort and help ensure safe, compliant business banking services for our customers.

Responsibilities

• Investigate complex or high-risk anti-money laundering alerts on business accounts.
• Recommend Suspicious Transaction Reports (STR) to be filed by Monzo Bank EU.
• Make onboarding decisions in high-risk or complex cases.
• Conduct ongoing due diligence on high-risk business 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) 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 EU, and associated risks.

Working pattern and start

The working hours covered by the team are 8:00–18:30, based on 8.5 hours per day (including a one-hour lunch). The start date is Monday 5 January, and the successful candidate must commit to the first 8 weeks. No holidays during this training period.

What’s in it for you

• £1,000 learning budget per year for books, training courses and conferences.
• All employees are set up to work from home with Macbooks; additional support provided for home setup for fully remote workers.

This role is remote based in the UK.

Apply now and help us make money work for everyone in the EU.

Application journey

• Call with a Recruiter.
• Interview to discuss your experience, technical knowledge and values.
• Final step includes a Spanish language assessment.

Closing date for applications: Friday 10 October 2025.

Equal opportunities

Diversity and inclusion are a priority. We are an equal opportunity employer and welcome applicants regardless of age, ethnicity, religion, sex, sexual orientation, gender identity, family or parental status, national origin, veteran status, neurodiversity, or disability status. Reading more about our diversity and inclusion efforts can be found in our blog and reports.

If you have a preferred name, please use it to apply. We do not require full or birth names at the application stage.