[All remote jobs](https://jobicy.com/jobs.md)[![Monzo logo](https://jobicy.com/data/server-nyc0409/galaxy/mercury/2025/06/5b4c0ec3-221.jpg)](https://jobicy.com/company/monzo.md)[Monzo](https://jobicy.com/company/monzo.md) # Senior Financial Crime Investigator, Business Banking Review the role, location requirements, compensation details, and application process before deciding whether this opportunity fits your next career move. [Apply for this job](#job-application)[View company](https://jobicy.com/company/monzo.md)ShareRemote from[UK](https://jobicy.com/job-region/uk.md)SalaryGBP 31,100–39,350 / yrDepartment[Legal & Compliance](https://jobicy.com/categories/legal.md)EmploymentFull TimeExperienceSeniorPublished26 Oct 2026Apply before25 Nov 2026Listing views49Application actions2Application toolkit ## Make your next move. Prepare your resume, explore your fit, and draft a cover letter for this opportunity. AI Summary ## The role, at a glance. Monzo is hiring a Senior Financial Crime Investigator to investigate complex financial-crime risks involving business-banking customers. The role covers enhanced due diligence, complex customer reviews, multi-jurisdictional money-muling cases, and high-quality SAR submissions to the NCA. The investigator will also maintain frontline casework, coach peers, and collaborate with Operations Analysts to improve guidance and controls. This is a fully remote UK role with a structured 37.5-hour weekly schedule and periodic weekend coverage. ## Role DNA A quick view of the complexity, pace, ownership and collaboration implied by the job description. ### Job Complexity 4/5EasyHard ### Pace & Pressure 4/5RelaxedFast-paced ### Autonomy Level 4/5GuidedFull ownership ### Communication Load 4/5IndependentCollaborative AI insightThe role requires deep KYB, AML, EDD, and UK SAR-regime knowledge to make defensible decisions on complex and sensitive cases. It also combines individual investigative ownership with coaching and continuous process improvement in a high-volume regulated environment. ## Salary analysis Estimated compensation compared with the broader UK market for similar roles. Estimated job median (per year)Market rate£35,225UK market range (per year)£34k–£46k0£50.60k AI insightThe yearly pay period is inferred from the job context; it was not explicitly stated by the employer. The employer discloses an annual salary range of £31,100–£39,350; the annual cadence is inferred from the full-time UK role and the stated salary magnitude. A reasonable estimated UK market range for a senior business-banking financial-crime investigator is £34,000–£46,000 per year, depending on regulated-financial-services experience, SAR expertise, and specialist AML qualifications. ## Core skills Skills and capabilities most closely associated with this opportunity. [Know Your Business (KYB)](https://jobicy.com/jobs?search_keywords=Know%20Your%20Business%20KYB.md)[Anti-Money Laundering (AML)](https://jobicy.com/jobs?search_keywords=Anti-Money%20Laundering%20AML.md)[Enhanced Due Diligence (EDD)](https://jobicy.com/jobs?search_keywords=Enhanced%20Due%20Diligence%20EDD.md)[Suspicious Activity Reports (SARs)](https://jobicy.com/jobs?search_keywords=Suspicious%20Activity%20Reports%20SARs.md)[Financial Crime Investigation](https://jobicy.com/jobs?search_keywords=Financial%20Crime%20Investigation.md)[Open-Source Intelligence (OSINT)](https://jobicy.com/jobs?search_keywords=Open-Source%20Intelligence%20OSINT.md)[Transaction Monitoring](https://jobicy.com/jobs?search_keywords=Transaction%20Monitoring.md)[Customer Due Diligence](https://jobicy.com/jobs?search_keywords=Customer%20Due%20Diligence.md)[Risk Assessment](https://jobicy.com/jobs?search_keywords=Risk%20Assessment.md)[Money Laundering Typologies](https://jobicy.com/jobs?search_keywords=Money%20Laundering%20Typologies.md)[Regulatory Compliance](https://jobicy.com/jobs?search_keywords=Regulatory%20Compliance.md)[Case Management](https://jobicy.com/jobs?search_keywords=Case%20Management.md)[Process Improvement](https://jobicy.com/jobs?search_keywords=Process%20Improvement.md)[Investigator Coaching](https://jobicy.com/jobs?search_keywords=Investigator%20Coaching.md) Sample interview questionsHow would you approach enhanced due diligence for a high-risk business customer?I would first identify the specific risk drivers, such as ownership complexity, geography, sector exposure, adverse media, or unusual transaction patterns. I would verify the business, beneficial owners, source of funds and expected activity using reliable independent sources, then document a clear risk assessment and any required mitigating controls. Where concerns cannot be satisfactorily resolved, I would escalate or recommend appropriate account restrictions or closure in line with policy. What makes a high-quality Suspicious Activity Report? A high-quality SAR is factual, concise, evidence-led, and clearly explains why the activity is suspicious. It should set out the relevant parties, chronology, transaction details, intelligence checks, typologies, and the rationale for suspicion without speculation. I would ensure it meets internal quality standards and the legal and evidential requirements of the UK SAR regime before submission. How would you investigate a possible multi-jurisdictional money-muling network? I would map relationships among accounts, counterparties, devices, payment flows, businesses, and jurisdictions to identify common control or coordination indicators. I would compare observed behaviour with known mule typologies, review onboarding information and transactional anomalies, and use permitted open-source research to corroborate findings. I would preserve a clear evidential trail, apply proportionate controls, and escalate linked cases or external reporting where appropriate. How do you maintain quality while working to service-level agreements in a fast-paced environment? I prioritise cases using risk, urgency, and potential customer or regulatory impact, while using structured investigation checklists to avoid missing critical steps. I keep case notes current, raise blockers early, and seek peer or specialist input when a decision exceeds my authority. This approach supports timely throughput without compromising the quality and defensibility of decisions. Describe how you would coach another investigator who is struggling with complex financial-crime cases. I would begin by reviewing examples of their work to identify whether the gap concerns regulatory knowledge, evidence gathering, risk articulation, or case organisation. I would provide practical feedback using real but appropriately handled examples, demonstrate a structured investigation approach, and agree measurable improvement actions. I would follow up through case reviews and encourage questions so the investigator develops confidence and sound independent judgement. Opportunity details ## About this role. 🚀 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](https://monzo.com/current-account/personal) and [business](https://monzo.com/business-banking) bank accounts, we offer [joint accounts](https://monzo.com/current-account/joint-account), [accounts for 16-17 year olds](https://monzo.com/current-account/16-17), a [free kids account](https://monzo.com/current-account/under-16s) and [credit cards](https://monzo.com/flex) in the UK, with more exciting things to come beyond. Our UK customers can also [save](https://monzo.com/savings), [invest](https://monzo.com/investments)and [combine their pensions](https://monzo.com/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 ❤️ UK Remote | 💰 £31,100 – £39,350 + Incentive Awards tied to your performance + [Benefits](https://monzo.com/careers/) | [Hear from the team](https://www.youtube.com/watch?v=U62l09nB0M4)✨ Start date: Monday 18th January, 2027 ### ⭐ About our Senior Financial Crime Business Banking Investigator Team The Senior Financial Crime Business Banking Investigator team serves as Monzo’s frontline defence against complex economic crime, safeguarding our ecosystem and customers, from startups to established SMEs, against sophisticated fraud and money laundering. Operating within a specialised, risk-focused “Pillar,” this critical operational team builds deep subject matter expertise to ensure financial integrity across the entire customer lifecycle. The team is responsible for conducting rigorous onboarding and ongoing compliance checks, unravelling complex financial crime typologies, and directly mitigating risk through thorough investigation, reporting, and account closures. ### 🔑 You’ll play a key role by… * Taking ownership of the most complex FinCrime Business Banking tasks, including Enhanced Due Diligence (EDD) for high-risk businesses, Complex Customer Reviews (e.g., sensitive areas like Sexual Services flags), and multi-jurisdictional money muling investigations. * Writing, reviewing, and submitting high-quality Suspicious Activity Reports (SARs) to the National Crime Agency (NCA), ensuring they meet the highest legal and evidential standards. * Maintaining a regular schedule on core investigative tasks to sustain your competency levels, directly support the domain’s Service Level Agreements (SLAs), and remain connected to frontline challenges. * Actively coaching Investigators on complex financial crime typologies, best practice, and performance improvement to help drive a culture of excellence. * Working closely with our Operations Analysts to share emerging trends and ensure that operational guidance is continuously updated and effectively embedded across the domain. ### 🤩 We’d love to hear from you if… * You have deep KYB & AML expertise, with significant experience conducting end-to-end business due diligence (KYB/EDD) and complex investigations within a regulated financial setting. * You are a skilled researcher, with a proven ability to leverage open-source intelligence and analysis to thoroughly corroborate customer profiles and transactional activity. * You know regulations and typologies, possessing a strong grasp of UK and international financial crime trends affecting business accounts and the UK SAR regime. * You thrive in a fast-paced environment, maintaining high flexibility and adapting positively to shifting priorities, new guidance, and process changes at short notice. * You are impact-driven, with a genuine desire to protect Monzo and its customers by making a tangible difference in the detection and prevention of financial crime. * You bring leadership and improvement skills, ideally with experience mentoring peers, a track record of escalating process improvements, or a relevant qualification (such as ICA or ACAMS). ### ⏰ Shifts you’ll be working You will work 37.5 hours per week, Monday to Friday, from 9:00am to 5:30pm. You will also work one full weekend (Saturday and Sunday) once every 4 weeks, with 2 set days in lieu provided when working the weekend shift. We cannot approve any time off during your first 6 weeks of employment with us due to training. Your training will be held Monday-Friday, 9am-5:30pm. ### 🙌 What’s in it for you 💰 Salary range of £31,100 – £39,350 + Incentive Awards tied to your performance 🎂 We guarantee to approve time off on your birthday if it falls on a scheduled work day (outside of your training period). 📍 This role is fully remote and based within the UK. 📚 A £1,000 annual budget to spend on books, training courses, and conferences. 🏡 We will set you up for success from home; all employees are provided with MacBooks, and fully remote workers receive extra support for their work-from-home environment. ➕ Plus lots more! Read our full list of benefits. ### 🌈 The application journey has 3 key steps * Application questions – Please take the time to answer these, as we read every single one. * Recruiter call – A 30-minute video call to assess skills fit * Hiring Manager interview – A 60-minute video call focusing on values and technical questions. This process should take around 3-4 weeks – your schedule is really important to us, so we promise to be as flexible as possible! We have some guidelines on using Artificial Intelligence (AI) to ace an application and interview at Monzo. [You can read them here.](https://monzo.com/blog/the-ultimate-guide-on-using-ai-to-ace-an-interview-at-monzo) We’ll only close this role once we have enough applications for the next stage. Please submit your application as soon as possible to make sure you don’t miss out. #LI-REMOTE #LI-NG2 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](https://monzo.com/blog/diversity-and-inclusion), 2026 [Diversity and Inclusion Report](https://monzo.com/blog/our-2026-diversity-and-inclusion-report) and 2025 [Gender Pay Gap Report.](https://monzo.com/blog/gender-pay-gap-report-2025) 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 😊 Show more [Apply now >](https://jobicy.com/jobs/157269-senior-financial-crime-investigator-business-banking-2.md) * ![Upload CV](data:image/svg+xml;base64,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) ### Upload your resume now To unlock remote work opportunities and be discovered by global employers. This job listing has been manually reviewed by the Jobicy Trust & Safety Team for compliance with our posting guidelines, including verification of the company's legitimacy, accuracy of job details, clarity of remote work policy, and absence of misleading or fraudulent content. Next step ## Apply now. Follow the employer’s application method and review Jobicy’s safety guidance before sharing personal information. Keep exploring ## Related remote jobs. * ![Socure logo](https://jobicy.com/data/server-nyc0409/galaxy/mercury/2022/02/4dd877ff6ea919681d6e790a57ab639c.jpeg) Socure Oct 26 New ### [Legal Counsel, Commercial Contracts](https://jobicy.com/jobs/157117-legal-counsel-commercial-contracts.md) Why Socure? Socure is building the identity trust infrastructure for the digital economy — verifying 100% of good identities in real time and stopping fraud before it starts. 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