[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, Out of hours, 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 TimeExperienceSeniorPublished27 Oct 2026Apply before26 Nov 2026Listing views48Application 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 protect business-banking customers from fraud, money laundering, and other economic crime. The role handles complex KYB/EDD cases, multi-jurisdictional money-muling investigations, transaction-monitoring reviews, and high-quality SAR submissions to the NCA. It also includes coaching other investigators, identifying emerging typologies, and improving operational guidance with analysts. This is a fully remote UK role working a permanent out-of-hours schedule, with regular weekend coverage and an initial six-week daytime training period. Success requires deep AML and business due-diligence expertise, rigorous evidence-based research, sound regulatory judgement, and resilience in a fast-changing operational environment. ## Role DNA A quick view of the complexity, pace, ownership and collaboration implied by the job description. ### Job Complexity 5/5EasyHard ### Pace & Pressure 5/5RelaxedFast-paced ### Autonomy Level 4/5GuidedFull ownership ### Communication Load 4/5IndependentCollaborative AI insightThe position requires senior-level judgement on complex financial-crime investigations, legal-quality SAR reporting, and multi-jurisdictional risk assessment. The out-of-hours schedule, SLA-driven workload, shifting typologies, and peer-coaching responsibilities add operational intensity. ## 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)£33k–£43k0£47.30k AI insightThe yearly pay period is inferred from the job context; it was not explicitly stated by the employer. The employer discloses a £31,100–£39,350 salary range but does not state a pay cadence. Yearly pay is inferred from the full-time UK professional role and the magnitude of the stated range. The estimated UK market range for a senior financial-crime investigator is £33,000–£43,000 per year, excluding shift allowances, performance incentives, and benefits. ## Core skills Skills and capabilities most closely associated with this opportunity. [Financial crime investigations](https://jobicy.com/jobs?search_keywords=Financial%20crime%20investigations.md)[Anti-money laundering](https://jobicy.com/jobs?search_keywords=Anti-money%20laundering.md)[Know Your Business](https://jobicy.com/jobs?search_keywords=Know%20Your%20Business.md)[Enhanced due diligence](https://jobicy.com/jobs?search_keywords=Enhanced%20due%20diligence.md)[Transaction monitoring](https://jobicy.com/jobs?search_keywords=Transaction%20monitoring.md)[Suspicious Activity Reports](https://jobicy.com/jobs?search_keywords=Suspicious%20Activity%20Reports.md)[Open-source intelligence](https://jobicy.com/jobs?search_keywords=Open-source%20intelligence.md)[Financial crime typologies](https://jobicy.com/jobs?search_keywords=Financial%20crime%20typologies.md)[Regulatory compliance](https://jobicy.com/jobs?search_keywords=Regulatory%20compliance.md)[Risk assessment](https://jobicy.com/jobs?search_keywords=Risk%20assessment.md)[Case management](https://jobicy.com/jobs?search_keywords=Case%20management.md)[Investigator coaching](https://jobicy.com/jobs?search_keywords=Investigator%20coaching.md) Sample interview questionsHow would you approach a complex business-banking investigation involving suspected money muling across several jurisdictions?I would first secure and review the full customer, ownership, account, and transactional record. I would map counterparties, payment flows, unusual behavioural indicators, and relevant adverse information using internal data and open-source research. I would document the evidential basis for each conclusion, escalate urgent risk where needed, and determine whether restrictions, account closure, or a SAR are appropriate under policy and legal requirements. What makes a high-quality Suspicious Activity Report? A high-quality SAR is factual, concise, and clearly explains who is involved, what activity is suspicious, when and where it occurred, and why the activity creates suspicion. It should distinguish evidence from inference, include useful account and transaction identifiers, describe the suspected typology, and avoid unsupported assertions. The narrative must enable law enforcement to understand the risk and act on the information. How do you maintain quality while working to demanding service-level agreements? I prioritise cases based on risk, urgency, customer impact, and regulatory deadlines, while using structured investigation checklists to ensure no critical evidence is missed. I keep clear case notes as I work rather than reconstructing them later, and I raise blockers early. I also monitor quality feedback and recurring errors to improve both my own workflow and team guidance. Describe how you would use open-source intelligence during KYB or EDD review. I would use reputable public sources to validate the company’s existence, business model, directors, beneficial owners, online presence, and adverse-media exposure. I would compare this information with onboarding declarations and observed account activity, looking for inconsistencies such as undisclosed ownership, implausible trading claims, or links to high-risk entities. I would record source reliability and ensure the findings are relevant, proportionate, and handled in line with privacy and internal policies. How would you coach an investigator whose complex-case decisions need improvement? I would review a sample of cases with them, identify specific gaps in evidence gathering, rationale, or policy application, and explain the risk impact of those gaps. Together, we would agree practical actions such as using a case structure, improving escalation triggers, or studying relevant typologies. I would provide timely feedback, follow up on later cases, and share recurring learning with the wider team where appropriate. 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 plus shift allowance + Incentive Awards tied to your performance +[Benefits](https://monzo.com/careers/) |[Hear from the team](https://www.youtube.com/watch?v=U62l09nB0M4) ✨ Start Date: 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 multi-jurisdictional money muling investigations and Transaction Monitoring Reviews * Writing, 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 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 inside out, 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 We are hiring for 2 shift patterns: 5pm-1:30am – This comes with a shift allowance of £2,503 12:30am-9am – This comes with a shift allowance of £5,004 (You can select your shift preference in the application question) With both shifts, you will work 37.5 hours per week, Monday to Friday. You will also work one full weekend (Saturday and Sunday) once every 3 weeks, with 2 set days in lieu provided when working the weekend shift. Your first 6 weeks of employment will be your training, and training is held Monday-Friday 9am-5:30pm. Because of this, we’ll be unable to approve any time off during your first 6 weeks of employment. Please do let us know if you have any pre-booked holidays or time off during that period. 🙌 What’s in it for you 💰 Salary range of £31,100 – £39,350 plus shift allowance + 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. 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) The role will close once we’ve received enough applications so please do apply as soon as you can. #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/157402-senior-financial-crime-investigator-out-of-hours-business-banking.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. 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