Senior Financial Crime Investigator, Anti Money Laundering (AML)

🚀 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 a lot in the last 10 years in the UK. As well aspersonal and business bank accounts, we offer joint accounts, accounts for 16-17 year olds, a free kids account and credit cards in the UK, with more exciting things to come beyond. Our UK customers can also save, invest andcombine their pensions with us.

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 ❤️

Hear from our UK team about what it's like working at Monzo ✨

📍Remote, UK | 💰 £29,450 - £37,250 + Benefits | Hear from the team ✨

Start date - 2nd March 2026

Shifts - You'll work 37.5 hours per week. This will be on a rotational shift pattern working Monday to Friday between 6am and 7pm with 1.5 in 8 weekends. (One full weekend Saturday and Sunday and the other either Saturday/Sunday). Days off will be rotational and you will have a one hour unpaid lunch break each day. No holidays can be taken during the training/embedding period which is expected to last 6-10 weeks.

⭐Our Financial Crime Team

Our Mission in the Financial Crime Collective is to earn and keep our customers’ trust, support Monzo’s safe growth, and contribute to building a safer society. Senior Investigators complete complex tasks and are able to flex when required on all tasks completed within the pillar to support our challenging demands.

Our Anti Money Laundering (AML) Senior Fincrime Investigators will work within a mixture of regulated and unregulated deadlines. You will be trained and be competent in a wide variety of complex tasks for the pillar you are aligned with.

Are you looking to continue building your career in financial crime prevention? We are looking for proven problem solvers with financial crime experience to join our team as Senior Financial Crime Investigators and help us on our mission to make money work for everyone.

🔑 You’ll play a key role by…

• Analysing potentially unusual or suspicious behaviour on customer accounts flagged by our transaction monitoring system, and deciding what action (if any) Monzo should take. Working complex Investigations and Customer Reviews
• Documenting suspicious activity you identify in your role, and sending it to the National Crime Agency to support them with their investigations.
• Locking down money that has been obtained through fraud, so that it can be returned to victims.
• Completing cheque Reviews
• Reviewing SARs from other colleagues within AML
• Reviews and Approvals
• Dealing with Senior escalations from other departments
• Leading by example to achieve all performance and Quality targets
• Working with Team Managers and Operations Analysts to assist the pillar getting the right outcomes for Monzo and our customers.
• Sharing emerging risks and trends you spot with our Operations Analysts
• Coaching and training
• Completing remediation tasks

🤩 We’d love to hear from you if…

• You have experience conducting investigations in an operational setting with subject matter expertise preferably in AML
• You have recent experience with emerging financial crime trends and typologies.
• You hold, or are happy to work towards, an ICA International Certificate in Anti Money Laundering, or similar industry qualification.
• You have excellent English written & verbal communication skills
• You have confidence in investigating and problem solving, with a clear and concise view to decision-making and can take a risk based approach
• You have the ability to work well independently & be collaborative with the wider team
• You have the ability to work to deadlines, with a high degree of accuracy and attention to detail
• You have worked in a targeted environment
• You have experience of coaching and training ability to support colleagues
• You have a values driven approach in line with Monzo’s core values

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. Drop us your application, we’d love to hear from you!

🙌 What’s in it for you

💰£29,450 - £37,250 ➕share options.

🎂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 is a fully UK remote based role

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

➕ Plus lots more! Read our full list of benefits.

🌈 The application journey has 3 key steps

• Application questions (we recommend about 250 words per question but please take your time, we read these carefully!)
• Recruiter Call
• 1 hour interview, Values & Role specific

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. You can read them here.

You’ll hear from us throughout the application process, but if you’ve got any questions, please reach out to jessicawilson@monzo.com. You can also use this email address to let us know if there’s anything we can do to make the process easier for you because of disability, neurodiversity or anything else.

The closing date for applications is Friday 2nd January 2026