Senior Investigator, Operations Analyst, Financial Crime; Multilingual

Overview

We’re on a mission to make money work for everyone and are looking for professionals to join our Financial Crime Operations team at Monzo.

We are building a team of Senior Financial Crime Investigators and Financial Crime Operations Analysts to support future growth across the Financial Crime Operations function.

• Investigating complex, high‑risk financial crime cases, alerts, and customer activities across business accounts.
• Making informed risk‑based decisions on customer onboarding, due diligence reviews, and ongoing account monitoring.
• Identifying suspicious activity and recommending appropriate escalation, including Suspicious Transaction Reports (STRs).
• Acting as a subject‑matter expert, providing financial crime guidance and support to operational teams across the business.
• Partnering with product, risk, learning, quality, and operational teams to improve processes, controls, and customer outcomes.
• Driving operational excellence by identifying opportunities to improve tools, guidance, processes, and ways of working.
• Supporting operational readiness, change delivery, quality improvements, training initiatives, and complex escalations within Financial Crime Operations.

• Fluent in English and able to communicate confidently in at least one additional European language.
• Experience investigating financial crime, anti‑money laundering, onboarding, due diligence, or other complex risk‑related cases.
• Comfortable making well‑reasoned decisions in complex or high‑risk situations using a risk‑based approach.
• Ability to analyse information from multiple sources, identify key risks, and communicate findings clearly to a range of stakeholders.
• Enjoy improving processes, solving operational challenges, and helping teams work more effectively.
• Comfortable collaborating across functions and influencing positive outcomes through strong communication and stakeholder management.
• Strong commitment to delivering excellent customer outcomes while maintaining high standards of compliance and risk management.

The team covers shifts from 7 am to 6:30 pm with 8.5 hours per day (including a one‑hour lunch). One in four weekends will be covered. Eligible shifts include Monday‑Friday (with one weekend) or Sunday‑Thursday/Tuesday‑Saturday. The successful candidate must be flexible to meet demand. The first eight weeks will be training from 9 am to 5:30 pm, Monday‑Friday; no holidays or time off will be authorized during this period.

• Remote work in the UK.
• Annual learning budget of £1,000 for books, training courses, and conferences.
• Mac Book provided for all employees; additional support for fully remote work setup.
• Birthday day off if scheduled to work during the birthday (outside training period).
• Potential multilingual premium later in the role (£2,500).
• Performance‑related bonus.
• Salary starting at £31,100 for Senior Investigator and £37,400 for Operations Analyst, with increases based on experience and role level.

Monzo is an equal opportunity employer. All applicants will be considered for employment without regard to age, ethnicity, religion, sex, sexual orientation, gender identity, family or parental status, national origin, veteran status, neurodiversity or disability status.