FinCrime & Fraud Operations Investigator

Monzo is seeking a FinCrime & Fraud Operations Investigator for its fast-growing EU team in Dublin. Reporting to the EU Director, this role involves investigating complex AML and fraud alerts, recommending Suspicious Transaction Reports, making high-risk business onboarding decisions, and conducting ongoing due diligence. The investigator will provide financial crime expertise across operational teams, handling fraud escalations and overseeing outsourced partners to maintain high standards in fraud and FinCrime operations.

Must Have

• Investigate complex or high-risk anti-money laundering and fraud alerts
• Recommend Suspicious Transaction Reports (STR) for Monzo Bank EU
• Make business onboarding decisions in high-risk or complex cases
• Conduct ongoing due diligence on high-risk accounts
• Provide financial crime expertise and support to operational teams
• Strong English written and verbal communication skills
• Fluent in Spanish (written and verbal, CEFR C1 level)
• Strong experience in high-risk business banking screening or complex financial crime investigations
• Experience making independent, risk-based financial crime decisions in a regulated firm
• Knowledge of current financial crime landscape in UK and EU

Perks & Benefits

• Flexible working hours
• 34 days annual leave (including public holidays)
• €1,200 learning budget each year
• Private healthcare scheme
• Pension scheme (minimum 4% contribution, Monzo matches up to 6%)
• Wellbeing benefits (financial education, women’s and men’s health support, mental health benefits, coaching, counselling)

🚀 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 ❤️

Hear from our UK team about what it's like working at Monzo ✨

---

📍Dublin, Ireland | 💰€31,800 - €46,620 + benefits | Hear from the team

⭐ Our FinCrime & Fraud Operations team

Reporting to the EU Director of FinCrime, and Fraud Operations, we're looking for a FinCrime and Fraud Operations Investigator to join our fast-growing EU team here in Dublin. You will work across different areas such as EDD, PEP reviews, logging STRs, completing complex fraud reviews and products including our current and business accounts and partner with our group data science, data engineering, product and technology teams. You will need to be comfortable handling fraud escalations as well as overseeing our outsourced partners on the highest performing standards in fraud and FinCrime operations.

🔑 You’ll play a key role by...

• Investigating complex or high-risk anti-money laundering and fraud alerts
• Responsible for recommending Suspicious Transaction Reports (STR) be made by Monzo Bank EU
• Making business onboarding decisions in high-risk or complex cases
• Conducting ongoing due diligence on high-risk
• 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 (to at least CEFR C1 level)
• 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

🙌 What’s in it for you

💰€31,800 - €46,620 + benefits

⏰ 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.

🏝 Annual Leave - 34 days including public holidays (24 holiday days + 10 public holidays)

📚 €1,200 learning budget each year to use on books, training courses and conferences.

🏥 Private healthcare scheme

💰 Pension scheme: the minimum contribution is 4% and Monzo matches any additional contributions that you make up to a maximum of 6%

💛 Wellbeing benefits: financial education, women’s and men’s health support, mental health benefits, including coaching and counselling

🌈 The application journey has 3 key steps;

• Recruiter screen
• 45 Minute initial interview with the Hiring Manager
• 3 stage interview loop including a technical and behavioural interview

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.

#LI-MOS1

---

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, 2024 Diversity and Inclusion Report and 2024 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 😊