Senior Financial Crime Investigator - EU, Spanish & English
At a glance
Senior Risk & Financial Compliance role at Monzo. Remote, United Kingdom · £31,100–£39,350 base.
financeroles summary, based on the employer's posting.
What you'll do
- Review complex or higher-risk money-laundering alerts tied to retail and business accounts
- Recommend when cases should be reported as suspicious transactions to Monzo Bank EU
- Decide whether to onboard businesses in complicated or elevated-risk cases
- Check high-risk business accounts over time and advise operational teams on financial crime
- Help other teams handle financial crime questions and operational cases
What you bring
- Fluent written and spoken English and Spanish
- Strong background in screening high-risk business banking customers or investigating complicated business financial crime cases
- Experience making independent, risk-based financial crime decisions at a regulated financial services firm
- Knowledge of financial crime threats and related risks in the UK and EU
Who this fits
This role suits a senior investigator comfortable making independent decisions on complex business and retail cases. You must be fluent in English and Spanish and based remotely in the UK. Choose between the core shift, which includes a one-in-four weekend rotation, and weekday late shifts. You must commit to weekday training from nine to five-thirty for the first eight weeks, with no time off approved during that period.
From the employer
🚀 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 (+ £2,500 Multilingual Premium) + Incentive awards tied to your performance + Benefits ✨
Start Date - 4th January 2027
**Please only apply for this role if you are fluent in both English and Spanish, applications that are not fluent in both languages will not be progressed.**
Shift Options Available:
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Option 1 (Core Day Shift): 8.5-hour shifts scheduled between 07:00 and 18:30 (includes a 1-in-4 weekend rotation, with time off in lieu during the week)
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Option 2 (Late Shift): 12:00 – 20:30 (Monday to Friday, no weekends)
We're hiring for opportunities in our Retail and Business Banking team.
👋 Hey there! We're Monzo, the bank that's making money work for everyone. We're all about waving goodbye to old-school banking and creating magical moments for our customers. This is an exciting time to join us as we continue to grow, and in this role as a Senior Investigator you'll play a key part in supporting our customers.
🔑 You’ll play a key role by...
- Investigating complex or high-risk anti-money laundering alerts on business or retail accounts.
- Responsible for recommending Suspicious Transaction Reports (STR) be by Monzo Bank EU.
- Making business onboarding decisions in high-risk or complex cases.
- Conducting ongoing due diligence on high-risk business accounts.
- Providing financial crime expertise and support to other operational teams across the business.
🤩We’d love to hear from you if…
- You have strong English written and verbal communication skills.
- You are Fluent in Spanish both written and verbal communication skills.
- You have strong experience of conducting high-risk business banking screening or complex business financial crime investigations.
- You have experience making independent, risk-based financial crime decisions in a regulated financial services firm.
- You have knowledge of the current financial crime landscape in the UK and the EU, and associated financial crime risks.
The working hours to be covered by the team are stated above. The start for the role will be in January 2027 and you must be able to commit to the first 8 weeks of training Monday to Friday 9am-5.30pm. No holidays/time off will be authorised during this period.
🙌 What’s in it for you
💰£31,100 - £39,350 (+ £2,500 Multilingual Premium) + Incentive awards tied to your performance
🎂 We guarantee to approve time off on your birthday if it falls on a day you’re scheduled to work and it’s outside of your training period.
📍 This role is remote based in the UK.
📚£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.
🌈 Ready to join the Monzo adventure?
Apply now and help us make money work for everyone in the EU!
The application journey has 4 key steps
- Application questions
- Call with a Recruiter
- Take home task to assess your financial crime knowledge
- Interview to discuss your previous experience and technical knowledge and values & language assessment
We want you to feel confident and put your best foot forward during the interview process. We’ve put together a prep guide here with tips on how to prepare for your interview - please take a look!
This process should take around 2-3 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.
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 😊