Senior Financial Crime Investigator, Anti Money Laundering (AML)

Applied Intuition Inc.; Remote; GBP 60,000 - 80,000; Full time

Job summary

A financial services company in the UK is looking for a Senior Financial Crime Investigator. This remote role involves analyzing suspicious customer account behaviors, documenting investigations for law enforcement, and coaching team members. Candidates should have AML experience, excellent communication skills, and a proactive problem-solving approach. The company values diversity and provides a supportive working environment. Benefits include a £1,000 learning budget and guaranteed day off on your birthday.

Benefits

Birthday off guarantee

£1,000 annual learning budget

Supportive work environment

Qualifications

• Experience conducting investigations in an operational setting, preferably in AML.
• Recent experience with emerging financial crime trends and typologies.
• Excellent English communication skills.

Responsibilities

• Analyze suspicious behavior on customer accounts flagged by our system.
• Document suspicious activity and support National Crime Agency investigations.
• Lock down money obtained through fraud.

Skills

Analytical skills

Communication skills

Problem solving

Team collaboration

Attention to detail

Education

ICA International Certificate in Anti Money Laundering

Job description

Overview

Cardiff, London or Remote (UK)

🚀 We’re on a mission to make money work for everyone.

We’re waving goodbye to the complicated and confusing ways of traditional banking.

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 ❤️

Shifts – You’ll work 37.5 hours per week. This will be on a rotational shift pattern working Monday to Friday between 6am and 7pm with 1.5 in 8 weekends. (One full weekend Saturday and Sunday and the other either Saturday/Sunday). Days off will be rotational and you will have a one hour unpaid lunch break each day. No holidays can be taken during the training/embedding period which is expected to last 6-10 weeks.

Our Mission in the Financial Crime Collective is to earn and keep our customers’ trust, support Monzo’s safe growth, and contribute to building a safer society. Senior Investigators complete complex tasks and are able to flex when required on all tasks completed within the pillar to support our challenging demands.

Our Anti Money Laundering (AML) Senior Fincrime Investigators will work within a mixture of regulated and unregulated deadlines. You will be trained and be competent in a wide variety of complex tasks for the pillar you are aligned with.

Are you looking to continue building your career in financial crime prevention? We are looking for proven problem solvers with financial crime experience to join our team as Senior Financial Crime Investigators and help us on our mission to make money work for everyone.

Responsibilities

• Analysing potentially unusual or suspicious behaviour on customer accounts flagged by our transaction monitoring system, and deciding what action (if any) Monzo should take. Working complex Investigations and Customer Reviews
• Documenting suspicious activity you identify in your role, and sending it to the National Crime Agency to support them with their investigations.
• Locking down money that has been obtained through fraud, so that it can be returned to victims.
• Reviewing SARs from other colleagues within AML
• Reviews and Approvals
• Dealing with Senior escalations from other departments
• Leading by example to achieve all performance and Quality targets
• Working with Team Managers and Operations Analysts to assist the pillar getting the right outcomes for Monzo and our customers.
• Sharing emerging risks and trends you spot with our Operations Analysts
• Coaching and training

Qualifications

• You have experience conducting investigations in an operational setting with subject matter expertise preferably in AML
• You have recent experience with emerging financial crime trends and typologies.
• You hold, or are happy to work towards, an ICA International Certificate in Anti Money Laundering, or similar industry qualification.
• You have excellent English written & verbal communication skills
• You have confidence in investigating and problem solving, with a clear and concise view to decision-making and can take a risk based approach
• You have the ability to work well independently & be collaborative with the wider team
• You have the ability to work to deadlines, with a high degree of accuracy and attention to detail
• You have worked in a targeted environment
• You have experience of coaching and training ability to support colleagues
• You have a values driven approach in line with Monzo’s core values

Benefits

• We guarantee to approve time off on your birthday if it falls on a day you’re scheduled to work and it’s outside of your training period.
• This role is a fully UK remote based role
• £1,000 learning budget each year to use on books, training courses and conferences.
• The application journey has 3 key steps
• We have some guidelines on using Artificial Intelligence (AI) to ace an application and interview at Monzo. You can read them here.

The closing date for applications is Friday 2nd January 2026

Equal opportunities for everyone

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. You can read more in our blog, 2024 Diversity and Inclusion Report and 2024 Gender Pay Gap Report.

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 😊

Contact: [e-mail]