Senior Fraud Investigator, EU - English & Spanish Speaking

About the Role

As a Senior Fraud Investigator, you will be working closely with a talented team of professionals who are passionate about preventing fraud and protecting Monzo's customers. Your day-to-day responsibilities will include analyzing flagged transactions, probing further where necessary, and using Monzo's values to reassure and support customers through the investigation process. You will also be required to communicate with other banks, law enforcement agencies, and CIFAS to share information and best practices in the fight against fraud.

What You Will Do

• Gather evidence from flagged transaction data and customer claim submissions
• Investigate the nature of suspicious transactions with empathy and attention to detail
• Use Monzo's values to reassure and support customers through the investigation process
• Safeguard compromised accounts and take remedial action to ensure customer safety
• Provide advice and support to victims of fraud on how to protect themselves in the future
• Communicate with other banks about potential fraudsters in their customer base
• Submit accounts for closure where first-party concerns are held following investigation
• Collaborate with law enforcement agencies to report and investigate potential crimes
• Develop and maintain a deep understanding of EU fraud regulations and financial crime risks
• Identify trends and deliver technical training and coaching to combat emerging fraud threats

What We Are Looking For

• Strong English written and verbal communication skills
• Fluency in Spanish (both written and verbal)
• Experience in a similar role, preferably in the financial sector
• Strong understanding of fraud and the ability to handle all typologies of fraud
• Ability to provide actionable feedback to a wide range of audiences and levels
• Significant experience identifying trends and delivering technical training and coaching
• Knowledge of fraud prevention policy and regulations in the UK and EU
• Associated financial crime risks and mitigation strategies
• Strong team player with excellent communication and interpersonal skills
• Ability to work effectively in a technical team and collaborate with stakeholders

Nice to Have

• Experience working in a remote team environment
• Familiarity with digital banking platforms and payment systems
• Knowledge of financial crime risks and mitigation strategies
• Certification in a related field, such as anti-money laundering or compliance

Benefits and Perks

• Competitive salary range (£31,100 - £39,250)
• Multilingual premium (£2,500)
• Incentive awards tied to performance
• Flexible working hours and remote work arrangement
• £1,000 learning budget per year for professional development
• Access to a wide range of benefits, including health insurance and pension plans
• Opportunity to work with a talented team of professionals in a dynamic and growing company
• Guaranteed time off on your birthday
• Regular team-building activities and social events

• Tip: Make sure to highlight your language skills, particularly Spanish, in your application and be prepared to undertake a language assessment as part of the hiring process.
• Tip: Familiarize yourself with Monzo's values and mission to demonstrate your understanding of the company culture and commitment to customer-centricity.
• Tip: Emphasize your experience in a similar role, particularly in the financial sector, and be prepared to provide specific examples of your achievements in fraud investigation and prevention.
• Tip: Show enthusiasm for ongoing learning and professional development, as this is a rapidly evolving field that requires staying up-to-date with the latest trends and technologies.
• Tip: Be prepared to discuss your understanding of EU fraud regulations and financial crime risks, and demonstrate your ability to communicate complex ideas in a clear and empathetic manner.
• Tip: Highlight your ability to work effectively in a technical team and collaborate with stakeholders, and be prepared to provide examples of your experience in this area.