Senior Financial Crime Investigator - Merchant Acquiring

<p>📍Remote in the UK 🇬🇧 | £31,100 - £39,350 + Incentive Awards tied to your performance + <a href="https://monzo.com/careers/">

Benefits

</a>  </p> <p><strong>Start date:</strong> Monday 9th November 2026</p> <p><strong>Shifts: </strong>You'll work 37.5 hours per week. This means you'll work Monday to Friday, from 9AM to 5:30PM. You'll also work one full weekend (Saturday and Sunday), once every 4 weeks with 2 set days in lieu when working the weekend.

(*For the first few months this will not be required and will be Monday-Friday</p> <p><strong>⭐ Our Financial Crime Customer Operations Team: The Shield of Monzo</strong></p> <p class="PDq2pG_selectionAnchorContainer" data-start="61" data-end="377">Our Financial Crime Customer Operations team is the frontline defence protecting Monzo and our customers from fraud, money laundering, and other financial crime. More than a compliance function, we safeguard the integrity of our business through robust investigations, risk management, and regulatory compliance.</p> <p data-start="382" data-end="735">We're looking for a FinCrime Business Banking - Acquiring Senior Investigator to conduct customer due diligence, assess financial crime risks, investigate suspicious activity, and ensure compliance with regulatory and payment industry

Requirements

. You'll be a self-starter who can thrive in a fast-paced environment and make an impact from day one.</p> <p data-start="740" data-end="1050">Within the FinCrime Business Banking Pillar, you'll help protect the full lifecycle of our business customers - from onboarding through ongoing monitoring - by identifying financial crime risks, investigating suspicious activity, and recommending appropriate controls, reporting, or account exits where needed.</p> <h4><strong>🔑 You’ll play a key role by...</strong></h4> <ul> <li>Conducting comprehensive KYB checks on new and existing customers, ensuring adherence to regulatory guidelines and internal policies</li> <li>Reviewing customer documentation, including merchant applications, financial statements, legal agreements, and beneficial ownership information</li> <li>Evaluating the adequacy and accuracy of customer-provided information and perform risk assessments based on established criteria</li> <li>Investigating and resolve any red flags, inconsistencies, or suspicious activities identified during the customer due diligence process</li> <li>Collaborating closely with cross-functional teams, such as Compliance, Legal and Risk, as required, to obtain additional information or clarify discrepancies</li> <li>Staying updated on evolving local and payment industry regulations, card scheme rules, and best practices to ensure compliance with applicable standards</li> <li>Maintaining accurate and up-to-date records of customer due diligence activities, including audit trails, risk assessments, and supporting documentation</li> <li>Assisting in the development and enhancement of KYB policies, procedures, and tools specific to the payments industry to improve efficiency and effectiveness</li> <li>Providing training and support to other team members on KYB processes, industry

Requirements

, and emerging trends</li> <li>Reporting any potential cases of money laundering, fraud, or suspicious activities to the Financial Crime Risk Team and relevant authorities</li> </ul> <h4><strong>💡 We’d love to hear from you if…</strong></h4> <ul> <li>Subject Matter Expert/Knowledge of Merchant Acquiring/Payment merchant services or deep knowledge of card scheme rules and onboarding for card schemes</li> <li>You have proven experience working in a KYC/B, AML, or compliance-related role within the payments industry or financial services sector</li> <li>You thrive in a fast-paced environment and can adapt positively and quickly to change be it new guidance, evolving processes, or shifting priorities.</li> <li>You maintain flexibility in the tasks you are scheduled for and can adapt seamlessly when business needs require changes at short notice.</li> <li>Excellent analytical and investigative skills, with the ability to identify risks, analyse complex information, and make informed decisions</li> </ul> <h4><strong>🎯 At the interview, we will be looking for you to demonstrate...</strong></h4> <h4><strong>Essential Expertise</strong></h4> <ul> <li>Significant and specific experience in conducting end-to-end due diligence (KYB) and investigations on businesses (SMEs, Corporates, etc.) in a regulated financial crime setting.</li> <li>Proven ability to conduct in-depth, high-quality open-source research and analysis to corroborate customer profiles and transactional activity.</li> <li>Strong foundational and applied Financial Crime knowledge, specifically deep exposure to Know Your Business (KYB) and Anti-Money Laundering (AML) principles.</li> <li>A strong understanding of current UK and international financial crime trends and acquiring  typologies, with particular expertise in those impacting acquiring (e.g. Structuring, shell merchants, Abuse of Merchant facilities, etc.)</li> <li>A comprehensive understanding of the UK Suspicious Activity Reporting (SAR) regime, including consent

Requirements

and the legislative framework (POCA).</li> </ul> <h4><strong>➕ It will be useful, but not essential if...</strong></h4> <ul> <li>You have direct experience of completing Enhanced Due Diligence (EDD) and/or Complex Customer Reviews, and/or have experience writing and reviewing/approving SARs.</li> <li>You can demonstrate a track record of identifying areas for control/process improvement and successfully working with, or escalating to, relevant stakeholders to implement change.</li> <li>You hold or are working towards an appropriate qualification relevant to Financial Crime (e.g. ACAMS, ICA Diploma).</li> </ul> <p><strong>🙌 What’s in it for you</strong></p> <p>💰 £31,100 - £39,350➕Incentive Awards tied to your performance.</p> <p>📚 £1,000 learning budget each year to use on books, training courses and conferences.</p> <p>🏡 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. </p> <p>➕ Plus lots more! <a href="https://monzo.com/careers/">Read our full list of

Benefits

</a>.</p> <p> <strong>🌈 The application journey has 3 key steps</strong></p> <ul> <li>Application questions - Please take the time to answer these in detail, we read them all!</li> <li>Recruiter Call</li> <li>Final Interview with Team Manager (w/c 10th August) </li> </ul> <p>This process should take around 3-4 weeks - your schedule is really important to us, so we promise to be as flexible as possible! </p> <p>We have some guidelines on using Artificial Intelligence (AI) to ace an application and interview at Monzo. <a href="https://monzo.com/blog/the-ultimate-guide-on-using-ai-to-ace-an-interview-at-monzo">You can read them here.</a></p> <p>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. </p> <p>The start date for the role is <strong>Monday 9th November 2026</strong></p> <p>#LI-REMOTE<strong> </strong>#LI-SK</p>Find Jobs in United Kingdom on Arbeitnow