Fraud Investigator, Part Time Team

Were on a mission to make money work for everyone.

Were 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!

Were not about selling products - we want to solve problems and change lives through Monzo

Remote UK per year (pro rata based on 22.5 hours per week) Incentive Awards tied to your performance Benefits

The start date for this role:
Monday January 18th 2027

Working Pattern:

This role operates on one of the following permanent weekend rotations:

Permanent Saturday Rotation:
Wednesday Thursday and Friday 5:00pm10:00pm and Saturday 11:00am7:30pm. Days off are Sunday Monday and Tuesday.

Permanent Sunday Rotation:
Wednesday Thursday and Friday 5:00pm10:00pm and Sunday 11:00am7:30pm. Days off are Monday Tuesday and Saturday.

Candidates will be assigned to either the permanent Saturday or permanent Sunday rotation.

Our Fraud Team

As a Fraud Investigator within our Prevent pillar you will be at the absolute frontline of our mission to earn and keep our customers trust while building a safer society. Your primary focus is providing vital real-time intervention for customers facing active fraud attempts specifically managing risks across authorised card and faster payment channels. This is a high-impact proactive role where you wont just be reviewing casesyoull be taking decisive action which includes making calls to guide customers through stressful situations and secure their funds.

By preventing losses before they happen you become a crucial contributor to Monzos safe growth and a key defender against financial crime in the industry.

Youll play a key role by...

• Real-Time Investigation: Gather and analyse evidence from flagged transaction data to identify active fraud attempts.
• High-Stakes Decision Making: Make confident independent and at times collaborative decisions to either release or block suspicious transactions.
• Customer Intervention: Use Monzos values to investigate suspicious activity via phone and chat balancing professional curiosity with deep empathy.
• Active Safeguarding: Support and reassure customers during active fraud scares securing compromised accounts and taking remedial action so they can resume safe banking.
• Case Triage & Review: Effectively triage incoming cases and review customer limit increase requests to mitigate potential risk.
• Account Integrity: Where investigations reveal first-party concerns manage the account closure process in strict accordance with internal guidance.
• Educational Support: Empower victims of fraud by providing tailored advice on how to protect themselves from future threats.
• Operational Excellence: Complete all necessary post-investigation activity with high attention to detail to ensure a clean audit trail.

Wed love to hear from you if

Fraud Investigators within our Prevent pillar work within unregulated but critical deadlines.

• You enjoy a telephony role as this forms the core part of being a successful investigator.
• You bring experience from Banking Financial Services (e.g. FOS HMRC) or have a Law Enforcement background.
• You are a Fraud Specialist is ideal but not necessary as full training will be provided:
  You are familiar with common fraud typologies and have a strong foundation in investigative problem-solving.
• Investigative Rigour:
  The ability to probe deeply during an investigation and clearly explain the why behind your final decisions.
• You are a decisive communicator:
  You possess excellent English written and verbal skills with the ability to be persuasive yet empathetic. You can make confident concise decisions under pressure.
• You are an independent collaborator:
  You thrive when working autonomously but value being part of a wider supportive team.
• You are mission-driven: You are genuinely excited about our mission to make money work for everyone and approach your work through the lens of Monzos core values.
• Empathetic:
  Exceptional communication skills used to handle difficult customer conversations…