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Senior Financial Crime Investigator - EU, Spanish & English

Monzo Bank· Customer Operations
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Remote£31.1k - £39.4kfull-timePosted 4w ago

About the role

Senior Investigator role to support Monzo's EU operations, focusing on high-risk AML investigations, STR recommendations, and financial crime expertise across business and retail accounts. Remote UK-based with multilingual requirements (English and Spanish). Start Jan 2027.

Responsibilities

  • Investigating complex or high-risk anti-money laundering alerts on business or retail accounts.
  • Responsible for recommending Suspicious Transaction Reports (STR) be by Monzo Bank EU.
  • Making business onboarding decisions in high-risk or complex cases.
  • Conducting ongoing due diligence on high-risk business accounts.
  • Providing financial crime expertise and support to other operational teams across the business.

Qualifications

  • Strong English written and verbal communication skills.
  • Fluent in Spanish both written and verbal communication skills.
  • Strong experience of conducting high-risk business banking screening or complex business financial crime investigations.
  • Experience making independent, risk-based financial crime decisions in a regulated financial services firm.
  • Knowledge of the current financial crime landscape in the UK and the EU, and associated financial crime risks.

Skills

Required:English language proficiencySpanish language proficiencyAML / Financial crime investigationRegulatory decision-making

Benefits

  • £31,100 - £39,350 (+ £2,500 Multilingual Premium) + Incentive awards tied to your performance
  • Time off on your birthday if it falls on a scheduled workday outside training
  • Remote role based in the UK
  • £1,000 learning budget each year for books, training, conferences
  • Macbooks provided; additional work-from-home setup support for fully remote workers
  • Plus more benefits listed by the company
Last updated Sep 23, 2026. Interested? Apply on the company site.
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About Monzo Bank

A bank as smart as your phone.

YC has written a good overview of our business on their blog: https://blog.ycombinator.com/monzo-makes-money-work-for-everyone/ Our mission is to make money work for everyone. We are the UK's leading digital bank for individuals and businesses, reinventing the traditional banking industry one customer at a time. We're relentlessly mission driven and always put our customers first - from what products we chose to launch next to our transparency and use of simple language. With a Net Promoter Score of 70+, it shows. From our founding in 2015, we now have over 7 million customers in the UK (13% of UK adults) and are building out our team in the US. We've seen incredible organic growth, acquiring 150,000 customers / month in 2022, with 80% of this coming from word of mouth. Our weekly active user rate is ~60% and ~40% of our active users use us as their Main Bank account, showing that we are a product that is embedded in our users' daily lives. We've grown to ~2,450 staff (~400 of which make up the product/tech team), and are backed by YC, Stripe, Tencent, Mike Moritz, and others. Internally, we encourage an open, collaborative, and inclusive working environment - we were voted the #1 startup where people in the UK want to work for the second year running in 2022. We contribute to open source software, and we continually engage with our wonderful community. We're hiring talented, creative problem-solvers to help us build the bank of the future. Join us!

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