Senior Financial Crime Investigator - Business Banking

About the Role

The Senior Financial Crime Business Banking Investigator team is responsible for conducting rigorous onboarding and ongoing compliance checks, unraveling complex financial crime typologies, and directly mitigating risk through thorough investigation, reporting, and account closures. As a senior investigator, you will take ownership of the most complex FinCrime Business Banking tasks, including Enhanced Due Diligence (EDD) for high-risk businesses and multi-jurisdictional money muling investigations.

The team's work has a direct impact on Monzo's customers and the broader financial ecosystem. By identifying and preventing financial crime, the team helps to protect Monzo's reputation and maintain the trust of its customers. The role requires a deep understanding of financial crime trends, regulations, and typologies, as well as the ability to work collaboratively with other teams to share emerging trends and ensure that operational guidance is continuously updated and effectively embedded across the domain.

What You Will Do

• Conduct complex investigations into financial crime, including money laundering and fraud
• Take ownership of Enhanced Due Diligence (EDD) for high-risk businesses
• Unravel complex financial crime typologies and identify emerging trends
• Write, review, and submit high-quality Suspicious Activity Reports (SARs) to the National Crime Agency (NCA)
• Maintain a regular schedule of core investigative tasks to sustain competency levels and support Service Level Agreements (SLAs)
• Actively coach investigators on complex financial crime typologies, best practice, and performance improvement
• Work closely with Operations Analysts to share emerging trends and ensure that operational guidance is continuously updated and effectively embedded across the domain
• Collaborate with other teams to identify and mitigate risk
• Develop and maintain a deep understanding of financial crime trends, regulations, and typologies
• Stay up-to-date with changing regulations and industry developments
• Participate in training and professional development opportunities to maintain and enhance skills and knowledge

What We Are Looking For

• Significant experience conducting end-to-end business due diligence (KYB/EDD) and complex investigations within a regulated financial setting
• Deep KYB and AML expertise, with a strong grasp of UK and international financial crime trends affecting business accounts and the UK SAR regime
• Proven ability to leverage open-source intelligence and analysis to thoroughly corroborate customer profiles and transactional activity
• Strong research and analytical skills, with the ability to identify and analyze complex financial crime trends
• Experience working in a fast-paced environment, with the ability to adapt positively to shifting priorities and new guidance
• Strong communication and coaching skills, with the ability to mentor and train others
• Leadership and improvement skills, with experience mentoring peers or escalating process improvements
• Relevant qualification (such as ICA or ACAMS) or equivalent experience

Nice to Have

• Experience working in a digital banking environment
• Knowledge of Excel and other data analysis tools
• Experience working with regulatory bodies, such as the National Crime Agency (NCA)
• Familiarity with UK and international financial crime regulations and trends
• Experience working in a remote or distributed team environment

Benefits and Perks

• Competitive salary range
• Incentive Awards tied to performance
• Comprehensive benefits package, including health insurance and pension plan
• Remote work options, with the ability to work from home or a remote location
• Professional development opportunities, including training and conference attendance
• Collaborative and dynamic work environment, with a team of experienced professionals
• Access to cutting-edge technology and tools, including data analysis software and regulatory platforms
• Opportunity to work on complex and challenging investigations, with the potential to make a real impact on the company and its customers

• Make sure to highlight your experience working with financial crime regulations and trends, as well as your ability to analyze complex data sets.
• Showcase your research and analytical skills, and be prepared to provide examples of your work in these areas.
• Emphasize your ability to work in a fast-paced environment and adapt to shifting priorities and new guidance.
• Be prepared to discuss your experience working with regulatory bodies, such as the National Crime Agency (NCA).
• Consider obtaining a relevant qualification, such as ICA or ACAMS, to demonstrate your expertise in financial crime investigation.
• Practice your coaching and mentoring skills, as you will be expected to train and mentor other investigators.
• Be prepared to discuss your experience working in a remote or distributed team environment, and how you stay connected with colleagues and maintain productivity.