Senior Financial Crime Investigator - Merchant Acquiring

Job description

🚀 We’re on a mission to make money work for everyone. We’re waving goodbye to the complicated and confusing ways of traditional banking. After starting as a prepaid card, our product offering has grown a lot in the last 10 years in the UK. As well as personal and business bank accounts, we offer joint accounts , accounts for 16-17 year olds , a free kids account and credit cards in the UK, with more exciting things to come beyond. Our UK customers can also save , invest and combine their pensions with us. 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 ❤️ 📍Remote in the UK 🇬🇧 | £31,100 - £39,350 + Incentive Awards tied to your performance + Benefits Start date: Monday 9th November 2026 Shifts: You'll work 37.5 hours per week. This means you'll work Monday to Friday, from 9AM to 5:30PM. You'll also work one full weekend (Saturday and Sunday), once every 4 weeks with 2 set days in lieu when working the weekend. (*For the first few months this will not be required and will be Monday-Friday ⭐ Our Financial Crime Customer Operations Team: The Shield of Monzo Our Financial Crime Customer Operations team is the frontline defence protecting Monzo and our customers from fraud, money laundering, and other financial crime. More than a compliance function, we safeguard the integrity of our business through robust investigations, risk management, and regulatory compliance. We're looking for a FinCrime Business Banking – Acquiring Senior Investigator to conduct customer due diligence, assess financial crime risks, investigate suspicious activity, and ensure compliance with regulatory and payment industry requirements. You'll be a self-starter who can thrive in a fast-paced environment and make an impact from day one. Within the FinCrime Business Banking Pillar, you'll help protect the full lifecycle of our business customers—from onboarding through ongoing monitoring—by identifying financial crime risks, investigating suspicious activity, and recommending appropriate controls, reporting, or account exits where needed. 🔑 You’ll play a key role by... Conducting comprehensive KYB checks on new and existing customers, ensuring adherence to regulatory guidelines and internal policies Reviewing customer documentation, including merchant applications, financial statements, legal agreements, and beneficial ownership information Evaluating the adequacy and accuracy of customer-provided information and perform risk assessments based on established criteria Investigating and resolve any red flags, inconsistencies, or suspicious activities identified during the customer due diligence process Collaborating closely with cross-functional teams, such as Compliance, Legal and Risk, as required, to obtain additional information or clarify discrepancies Staying updated on evolving local and payment industry regulations, card scheme rules, and best practices to ensure compliance with applicable standards Maintaining accurate and up-to-date records of customer due diligence activities, including audit trails, risk assessments, and supporting documentation A