Senior Investigator, Anti-Money Laundering (AML), Financial Crime

Monzo (View all Jobs)

Cardiff, London or Remote (UK)

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Interview Process

1. Phone interview 2. Take-home, & call to discuss it 3. 2-3 hours of on-site interviews (systems/behavioural)

📍Remote in the UK 🇬🇧 | 💰 £26,250 - £33,000 depending on experience + stock options + Benefits | Fighting Financial Crime the Monzo Way

About us: 

We’re here to make money work for everyone and we're doing things differently. For too long, banking has been obtuse, complex and opaque.

We want to change that and build a bank with everyone, for everyone. Our amazing community suggests features, test the app and give us constant feedback so we can build something everyone loves.

We're focused on solving problems, rather than selling financial products. We want to make the world a better place and change people's lives through Monzo.

About our Financial Crime Team:

Our Financial Crime team is at the heart of how we at Monzo protect our bank and customers. 

Anti-Money Laundering Senior Investigators are key to our strategy within financial crime operations. Their main focus is to support our Team Managers and Investigators in achieving excellent quality and maintaining strong performance while completing our higher risk, high complexity financial crime tasks.

What you’ll be working on:

You will complete our highest risk transaction monitoring tasks as well as approving Investigator outcomes. This means you will act as one of our points of technical escalation within the operational teams, providing technical support to Investigators and whilst doing so issue feedback in line with our values.

Senior Investigators also provide product and process feedback to the financial crime leadership team about our ways of working and emerging risks, so a keen eye and communication skills are vital in this role.

Your day-to-day:

  • Investigating complex and high-risk Anti-Money Laundering tasks to resolution.
  • Writing and submitting high-quality Suspicious Activity Reports (SARs) to the National Crime Agency (NCA).
  • Performing quality control checks on some of our highest risk tasks.
  • Approving real-time outcomes for tasks submitted by Investigators.
  • Coaching Investigators and supporting technical development to improve quality or performance outcomes. 
  • Identifying gaps in knowledge, policy or procedure and helping to facilitate solutions.
  • Working closely with management and stakeholders to share emerging trends and embed guidance changes.

You should apply if:

  • You have a strong understanding of financial crime specifically in anti-money laundering, transaction monitoring, and complex typologies such as: terrorist financing, sexual or labour exploitation, tax evasion. 
  • You have strong experience conducting financial crime investigations.
  • You have experience identifying, writing Suspicious Activity Reports (SARs) with a deep enough understanding to review Suspicious Activity Reports (SARs) submitted by Investigators prior to the National Crime Agency (NCA) submission.
  • You are able to identify financial crime risks facing fintechs and the banking sector.
  • You can articulate regulatory/legislative knowledge relevant to Financial Crime.
  • You have practical experience supporting your colleagues through coaching and training.
  • You are a great team player but also able to work independently.
  • You hold, or you are working towards a qualification in Financial Crime such as ICA / ACAMS.
  • You might have fluency in MacOS, Slack, and GSuite tools. But if you don’t hold these, we would still like to hear from you.


The Interview Process:

Our interview process involves 2 main stages: 

  • An informal telephone discussion with a member of our Hiring team (30 minutes).
  • A Technical and Values interview with our Financial Crime Leadership Team (1 hour, 30 minutes)

Closing date for applications is 26th January 2023 at 5pm.

Our average process takes around 2-3 weeks but we will always work around your availability. You will have the chance to speak to our recruitment team at various points during your process but if you do have any specific questions ahead of this please contact

What’s in it for you:

💰£26,250 - £33,000, depending on experience + stock options + benefits.

📍This is a remote (work from home) role, but you can be based in our Cardiff office if you would prefer to work in an office environment.

📚Learning budget of £1,000 a year for books, training courses and conferences

➕And much more, see our full list of benefits here

Working Hours:

  • 40 hours per week; 9AM - 6PM, Monday - Friday, with a weekend rotation working 1 in 12 weekends (Saturday & Sunday).
  • We offer flexible working, and if you prefer to work part-time, we'll make this happen whenever we can - whether this is to help you meet other commitments or strike a great work-life balance.
  • Please note that no holidays can be approved during the first 5 weeks of training.

Equal Opportunity Statement

We are actively creating an equitable environment for every Monzonaut to thrive.

Diversity and inclusion are a priority for us and we are making sure we have lots of support for all of our people to grow at Monzo. At Monzo, embracing diversity in all of its forms and 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,  2021 Diversity and Inclusion Report and 2021 Gender Pay Gap Report.

We're an equal opportunity employer. All applicants will be considered for employment without attention to ethnicity, religion, sexual orientation, gender identity, family or parental status, national origin, veteran, neurodiversity status or disability status.



Please mention No Whiteboard if you apply!
I'm a one-man team looking to improve tech interviews, and could use any support! 😄

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