FinCrime Intelligence Analyst

Monzo

🚀 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 ❤️ ----------------------------------------------------------------------------------------------------------------------------------   UK Remote | 💰 £31,100 - £39,350 + Incentive Awards tied to your performance + Benefits | Hear from the team ✨ Start Date: Monday 12th October  ⚠️ Important Note on AI & Plagiarism: Please reference any literature that you refer to. Applications that are highly plagiarised and not your own original work (e.g., ChatGPT) will be declined. We have guidelines on using Artificial Intelligence (AI) to ace an application and interview at Monzo. You can read them here. ⭐ 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.  🙌 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 1. Application questions – Please take the time to answer these, as we read every single one. 2. Recruiter call – A 30-minute video call to assess skills fit 3. Hiring Manager interview – A 60-minute video call focusing on values and technical questions. 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, 2026 Diversity and Inclusion Report and 2025 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 😊

Satispay

About us Satispay began by rethinking the simple act of a payment to remove the friction from our daily routines. But we didn't stop there. Today, we are building a complete financial platform designed to empower people and concretely improve their lives. By giving our 6 million users a clear, open path to pay, save, and invest, we are evolving into the definitive destination for every financial need. What you'll be doing As our FinCrime Investigator, you’ll be the person who moves beyond standard forensic reconstruction to handle our most critical cases and influence our long-term strategy. Here's what your day-to-day will look like: * High-Complexity Investigations – Leading end-to-end forensic investigations into the most sophisticated and multi-layered fraud types (e.g., organized scam networks, complex merchant ATO, and advanced AML/CTF syndicates). * Forensic Reconstruction & Intelligence – Gathering and analyzing data from complex internal systems and advanced OSINT sources to uncover hidden links and build evidence-based intelligence packages regarding new and emerging criminal schemes. * Mentorship & Quality Assurance – Acting as a key escalation point for our first line of defence, challenging assumptions, providing guidance on complex cases, and conducting quality reviews on investigation files and documentation. * Defensible Evidence Management – Applying meticulous attention to detail, ensuring all investigation steps, findings, and evidence are documented in an airtight, defensible manner ready for external auditors, law enforcement, or regulatory review. * Advanced Regulatory Reporting – Authoring and reviewing high-priority SAR/STR narratives for submission, ensuring the "Who, What, When, and Why" of a crime is indisputable under strict regulatory deadlines. * Strategic Control Optimization – Translating complex investigative findings into actionable intelligence, partnering with Product, Data, and Engineering teams to patch systemic vulnerabilities and design next-generation monitoring controls. * Focal Area Leadership – Owning a critical 'Focal Area' to proactively hunt for emerging, new-to-market typologies and presenting trend analysis to FinCrime leadership. Who we're looking for We need a problem-solver who loves teamwork and gets things done. If you're curious and ready for real ownership, you'll fit in! Does this sound like you? * Experience – 3+ years of demonstrable experience in end-to-end fraud, AML or corporate investigations. A background in Fintech is welcome, but we equally value experience in intelligence sectors, law enforcement, fast-paced banking, and complex corporate/advisory environments. * Investigative & OSINT Mastery – Expert understanding of fraud principles, complex criminal typologies, and forensic reconstruction. Proven expertise in applying OSINT techniques. Working knowledge of AML/CFT regulations and the Strong Customer Authentication (SCA) framework is highly preferred but not mandatory for candidates with exceptional fraud investigation backgrounds. Professional certifications (e.g., CFE, CAMS) are a strong plus. * Analytical Tenacity – Exceptional critical thinking skills with a natural refusal to take things at face value. Proficiency in navigating data analytics tools (like Looker, Splunk, HEX, or Redshift) and leveraging data to uncover the full scope of an issue. * Leadership & Mentorship – Proven capability to guide, coach, and elevate the technical and investigative skills of peers and junior team members. * Strategic Communication – Exceptional written and verbal communication skills, with the ability to synthesize complex, disparate datasets into clear, actionable briefs for executive leadership and external stakeholders. * Proactive Intelligence – A restless investigative curiosity to hunt for invisible risk, challenge existing processes, and proactively close systemic control gaps. * Core Values – Unwavering resilience under pressure, a commitment to continuous learning, and the high-integrity judgment required to handle sensitive, high-risk financial crime incidents. CareAbout: how we support your impact We move fast, and evolution never stops. It's a fun ride, but it can be challenging. To make sure our people truly thrive, we're committed to making their lives easier, both in the office and out in the world. That's why we created CareAbout: * ❤️ Health (Private insurance for you and your family, psychological support with Serenis, mental health workshops) * 💰 Financial resources (Stock Option Plan, Meal vouchers, Relocation support if you’re moving countries) * ⚙️ Growth and development (Professional development programs, Internal mobility, Language courses with Preply) * 🌱 Flexibility (Unlimited PTO, Hybrid working policy*, Flexible working hours) * 👨‍👩‍👧 Family (Enhanced parental leave, Additional leave for child sickness) *We embrace three days per week in-office (Tuesday and Thursday + 1 of your choice), with the option to request extra remote time. Equal opportunity employer At Satispay, we're proud to be an equal opportunity employer. We celebrate diversity and inclusion, welcoming individuals of all backgrounds. This opportunity is open to everyone, regardless - for instance - of race, colour, religion, sex, gender identity, sexual orientation, and national origin. Join us in a workplace where everyone belongs! Learn more about us Our values and pillars aren't just fancy words on a page - they really shape everything we do. Explore them here. #LI-Hybrid #LI-VR1 By submitting this application, I acknowledge that I have read and understood the content of the Privacy Policy

Monzo

🚀 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 ❤️ ----------------------------------------------------------------------------------------------------------------------------------   📍London, Cardiff, or UK Remote | 💰£136,000 - £180,000 + Incentive Awards tied to your performance | Benefits ✨ ⭐️ Our Financial Crime & Fraud Collective We’re all about earning and keeping customers' trust while making sure we grow safely. The Financial Crime & Fraud Collective plays a big role in this, working hard to protect our community. The Fraud Director is responsible for ensuring we keep fraudsters at bay so customers can bank with confidence. 🔑 You’ll play a key role by… As a Fraud Director, you’ll lead our Fraud & Disputes Risk team here at Monzo, where you’ll also work as part of the wider Fraud & Disputes Group Leadership Team.  We’re looking for a proactive leader with deep understanding and expertise in fraud risk management and strategy. You’ll build strong and trusted relationships with our Fraud Product, Engineering, Data and Operations teams and work collaboratively to help build and embed effective Fraud controls and processes for our customers, whilst creating a positive culture across our Fraud Group. You’ll work across Monzo’s global teams and cover all product lines, including current accounts, business banking, borrowing and wealth. You’ll need to be an expert leader and people manager who is equally ready to get hands-on.  We need a team of crime fighters to help us stay one step ahead as we continue to grow. You'll be at the forefront of innovation, employing the latest technologies to craft and develop our prevention-first tools that enable us to stay several steps ahead of the criminals, ensuring the continued trust and safety of our customers. 🤩We’d love to hear from you if… * You have significant experience leading highly-effective risk teams, ideally in a regulated and fast-paced environment.  * You have deep knowledge of fraud regulations in the UK and EU.  * You know how to work hand-in-hand with Product, Engineering, and Data teams, finding the harmonious balance between a product-led mindset and deep fraud risk expertise. * You have experience prioritising and developing innovative fraud management strategies, using the latest technology to scale and implement these.  * You’re able to quickly and confidently understand, articulate and respond to emerging trends and risks across the fraud landscape (plugged into latest industry developments).  * You can speak to and influence senior internal and external stakeholders with confidence and in line with Monzo’s values. * You’re a great manager and coach with a track record of developing high-performing teams, using continuous feedback to empower individuals and drive tangible impact.  * You’re data-driven (able to self-serve) and use technology to solve problems and identify opportunities.  Not ticking every box? That’s totally okay! Studies show that women and people of colour might hesitate to apply unless they meet every single requirement. At Monzo, we’re dedicated to creating a diverse and welcoming team. If you’re passionate about this role and keen to learn and grow with us, we encourage you to apply— even if you don’t have everything thats listed just yet. Drop us your application, we’d love to hear from you! 🙌 What’s in it for you 💰 £136,000 - £180,000 ➕Incentive Awards tied to your performance. 📍This role can be based in our London office, but we're open to distributed working within the UK (with ad hoc meetings in London) ⏰ We offer flexible working hours and trust you to work enough hours to do your job well, and at times that suit you and your team.  📚 £1,000 learning budget each year to use on books, training courses and conferences. 🏡 We will set you up to work from home; all employees are given Macbooks and for fully remote workers we will provide extra support for your work-from-home setup.  ➕ Plus lots more! Read our full list of benefits. 🌈 The application journey has 3 key steps * 30 min call with the recruiter * 30 min call with the hiring manager * 2 hours of technical and leadership principles interviews * Final 30 min call This process should take around 4-5 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. 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-OS1 #LI-REMOTE ---------------------------------------------------------------------------------------------------------------------------------- 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, 2026 Diversity and Inclusion Report and 2025 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 😊