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About the Role

Our Financial Crime Customer Operations team is the frontline defence protecting Monzo and our customers from fraud, money laundering, and other financial crime. We safeguard the integrity of our business through robust investigations, risk management, and regulatory compliance. We're looking for a FinCrime Business Banking – Acquiring Senior Investigator to conduct customer due diligence, assess financial crime risks, investigate suspicious activity, and ensure compliance with regulatory and payment industry requirements. You'll be a self-starter who can thrive in a fast-paced environment and make an impact from day one. Within the FinCrime Business Banking Pillar, you'll help protect the full lifecycle of our business customers—from onboarding through ongoing monitoring—by identifying financial crime risks, investigating suspicious activity, and recommending appropriate controls, reporting, or account exits where needed.

Responsibilities

Conducting comprehensive KYB checks on new and existing customers, ensuring adherence to regulatory guidelines and internal policies
Reviewing customer documentation, including merchant applications, financial statements, legal agreements, and beneficial ownership information
Evaluating the adequacy and accuracy of customer-provided information and perform risk assessments based on established criteria
Investigating and resolve any red flags, inconsistencies, or suspicious activities identified during the customer due diligence process
Collaborating closely with cross-functional teams, such as Compliance, Legal and Risk, as required, to obtain additional information or clarify discrepancies
Staying updated on evolving local and payment industry regulations, card scheme rules, and best practices to ensure compliance with applicable standards
Maintaining accurate and up-to-date records of customer due diligence activities, including audit trails, risk assessments, and supporting documentation
Assisting in the development and enhancement of KYB policies, procedures, and tools specific to the payments industry to improve efficiency and effectiveness
Providing training and support to other team members on KYB processes, industry requirements, and emerging trends
Reporting any potential cases of money laundering, fraud, or suspicious activities to the Financial Crime Risk Team and relevant authorities

Requirements

Subject Matter Expert/Knowledge of Merchant Acquiring/Payment merchant services or deep knowledge of card scheme rules and onboarding for card schemes
Proven experience working in a KYC/B, AML, or compliance-related role within the payments industry or financial services sector
Thrive in a fast-paced environment and can adapt positively and quickly to change be it new guidance, evolving processes, or shifting priorities.
Maintain flexibility in the tasks you are scheduled for and can adapt seamlessly when business needs require changes at short notice.
Excellent analytical and investigative skills, with the ability to identify risks, analyse complex information, and make informed decisions
Significant and specific experience in conducting end-to-depth due diligence (KYB) and investigations on businesses (SMEs, Corporates, etc.) in a regulated financial crime setting.
Proven ability to conduct in-depth, high-quality open-source research and analysis to corroborate customer profiles and transactional activity.
Strong foundational and applied Financial Crime knowledge, specifically deep exposure to Know Your Business (KYB) and Anti-Money Laundering (AML) principles.
A strong understanding of current UK and international financial crime trends and acquiring typologies, with particular expertise in those impacting acquiring (e.g. Structuring, shell merchants, Abuse of Merchant facilities, etc.)
A comprehensive understanding of the UK Suspicious Activity Reporting (SAR) regime, including consent requirements and the legislative framework (POCA).

Skills

KYB
AML
Financial Crime
KYC
Risk Management
Regulatory Compliance
Investigation
Analytical Skills
Open-source research
SAR regime
POCA

Location

Remote in the UK

Work Type

Remote
Full-time

Experience Level

Senior

Education Level

ACAMS qualification (preferred)
ICA Diploma qualification (preferred)

Salary/Compensations

£31,100 - £39,350
Incentive Awards tied to performance

Benefits

£1,000 learning budget each year for books, training courses, and conferences
Macbooks provided
Extra support for work-from-home setup

About the Company

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 as personal 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 and combine 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 ❤️

Equal Opportunity

Diversity and inclusion are a priority for us and we’re making sure we have lots of support for all of our people to grow at Monzo. At Monzo, we’re embracing diversity by fostering an inclusive environment for all people to do the best work of their lives with us. This is integral to our mission of making money work for everyone.
We’re an equal opportunity employer. All applicants will be considered for employment without attention to age, ethnicity, religion, sex, sexual orientation, gender identity, family or parental status, national origin, or veteran, neurodiversity or disability status.
If you have a preferred name, please use it to apply. We don't need full or birth names at application stage 😊