← All roles

Financial Crime Specialist - Transaction Monitoring

Zopa· Fraud & Financial Crime – Financial Crime Ops
Apply on company site
Hybrid (London)Employee - PermanentPosted 4d ago

About the role

Protect Zopa and its customers by investigating complex transaction monitoring activity, making clear and well-evidenced decisions, and escalating suspicion appropriately. Combine investigative expertise with AI-enabled tools to challenge outputs and improve control quality and consistency within Financial Crime Operations.

Responsibilities

  • Review and investigate Transaction Monitoring alerts across Zopa products, identifying activity linked to money laundering, fraud, terrorist financing and other relevant financial crime typologies.
  • Take ownership of complex cases from investigation through to decision, using contextual analysis, linked-account insights and appropriate risk mitigation.
  • Make timely, proportionate and well-evidenced decisions, including account restrictions and escalations where required.
  • Escalate suspicious activity in line with internal procedures and relevant legal and regulatory obligations.
  • Use AI-enabled monitoring tools in day-to-day casework, critically assessing alerts, summaries and recommendations rather than accepting outputs at face value.
  • Assess whether AI-led decisions and customer journeys are delivering the right financial crime and customer outcomes, identifying and escalating quality, risk or control concerns.
  • Share insights from investigations to help improve monitoring rules, AI performance, customer questioning and operational controls.
  • Maintain clear, accurate investigation records and rationales, documenting the evidence considered, decisions made and risks mitigated.
  • Handle inbound and outbound telephone and chat conversations with professionalism and empathy, including conversations with customers whose accounts have been suspended.
  • Collaborate across Financial Crime, Fraud, Customer Support, Product and Risk to progress investigations, resolve issues and improve customer outcomes.

Qualifications

  • Proven experience investigating complex Transaction Monitoring and/or mule activity cases end to end, including making alert decisions and escalating suspicious activity where appropriate.
  • A strong interest in technology-led environments, with an understanding of how AI can support day-to-day decision-making and improve outcomes.
  • A sound understanding of UK financial crime requirements, including POCA, the Money Laundering Regulations and FCA expectations.
  • Strong analytical judgement, with the ability to interpret complex information, identify relevant risks and produce clear, evidence-based rationales.
  • Confidence in challenging AI-generated summaries, recommendations and decisions, while taking accountability for the final outcome.
  • Excellent written and verbal communication skills, including the ability to handle sensitive customer conversations with care and professionalism.
  • Ability to manage competing priorities in a fast-paced environment without compromising decision quality or control standards.
  • A good understanding of retail banking products, including payments, savings and investment transactions.

Skills

Required:Transaction Monitoring investigationAI-enabled tooling in investigations

Benefits

  • Hybrid role requiring 1 day per week in London office.
  • Option to work from abroad for up to 120 days a year (subject to right to work).
  • Time off in lieu for bank holidays worked.
  • Flexible ways of working with emphasis on face-to-face collaboration and work-life balance.
  • Supportive onboarding to thrive in work and home life from day one.
Last updated Oct 21, 2026. Interested? Apply on the company site.

About Zopa

Easy banking - current accounts, loans & savings

Open a Zopa bank account with cashback and interest. Plus easy-to-use loans, credit cards, savings and more, all in one simple, secure app.

bankingloanssavingscredit cards
Company profileWebsite

More open roles at Zopa