FinCrime & Fraud Operations Investigator

FinCrime & Fraud Operations Investigator   

<div class="content-intro"><p><strong><em>🚀 We’re on a mission to make money work for everyone.</em></strong></p> <p>We’re waving goodbye to the complicated and confusing ways of traditional banking.</p> <p>After starting as a prepaid card, our product offering has grown a lot in the last 10 years in the UK. As well as&nbsp;<a href="https://monzo.com/current-account/personal">personal</a> and <a href="https://monzo.com/business-banking">business</a> bank accounts, we offer <a href="https://monzo.com/current-account/joint-account">joint accounts</a>, <a href="https://monzo.com/current-account/16-17">accounts for 16-17 year olds</a>, a <a href="https://monzo.com/current-account/under-16s">free kids account</a> and <a href="https://monzo.com/flex">credit cards</a> in the UK, with more exciting things to come beyond. Our UK customers can also <a href="https://monzo.com/savings">save</a>, <a href="https://monzo.com/investments">invest </a>and&nbsp;<a href="https://monzo.com/pensions">combine their pensions</a> with us.&nbsp;</p> <p>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!</p> <p>We’re not about selling products - we want to solve problems and change lives through Monzo ❤️</p> <hr> <p>&nbsp;</p></div><p><span style="font-family: helvetica, arial, sans-serif; font-size: 12pt;">📍Dublin | 💶 €41,300 - €50,300 + incentive awards tied to your performance + benefits | <a href="https://www.youtube.com/watch?v=U62l09nB0M4">Hear from the team</a> ✨</span></p> <p><span style="font-size: 12pt; font-family: helvetica, arial, sans-serif;"><strong>⭐Our FinCrime &amp; Fraud Operations team</strong></span></p> <p><span style="font-size: 12pt; font-family: helvetica, arial, sans-serif;">Reporting to the EU Director of FinCrime, and Fraud Operations, we're looking for a Fraud and Financial Ops 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.</span></p> <p><span style="font-size: 12pt; font-family: helvetica, arial, sans-serif;"><strong>🔑 </strong><strong>You’ll play a key role by...</strong></span></p> <ul> <li style="font-size: 12pt; font-family: helvetica, arial, sans-serif;"><span style="font-size: 12pt; font-family: helvetica, arial, sans-serif;">Investigating complex or high-risk anti-money laundering and fraud alerts&nbsp;</span></li> <li style="font-size: 12pt; font-family: helvetica, arial, sans-serif;"><span style="font-size: 12pt; font-family: helvetica, arial, sans-serif;">Responsible for recommending Suspicious Transaction Reports (STR) be made by Monzo Bank EU</span></li> <li style="font-size: 12pt; font-family: helvetica, arial, sans-serif;"><span style="font-size: 12pt; font-family: helvetica, arial, sans-serif;">Making business onboarding decisions in high-risk or complex cases</span></li> <li style="font-size: 12pt; font-family: helvetica, arial, sans-serif;"><span style="font-size: 12pt; font-family: helvetica, arial, sans-serif;">Conducting ongoing due diligence on high-risk</span></li> <li style="font-size: 12pt; font-family: helvetica, arial, sans-serif;"><span style="font-size: 12pt; font-family: helvetica, arial, sans-serif;">Providing financial crime expertise and support to other operational teams across the business</span></li> </ul> <p><span style="font-size: 12pt; font-family: helvetica, arial, sans-serif;"><strong>🤩 </strong><strong>We’d love to hear from you if…</strong></span></p> <ul> <li style="font-size: 12pt; font-family: helvetica, arial, sans-serif;"><span style="font-size: 12pt; font-family: helvetica, arial, sans-serif;">You have strong English written and verbal communication skills</span></li> <li style="font-size: 12pt; font-family: helvetica, arial, sans-serif;"><span style="font-size: 12pt; font-family: helvetica, arial, sans-serif;">You are fluent in Spanish both written and verbal communication skills <em>(to at least CEFR C1 level)</em></span></li> <li style="font-size: 12pt; font-family: helvetica, arial, sans-serif;"><span style="font-size: 12pt; font-family: helvetica, arial, sans-serif;">You have strong experience of conducting high-risk business banking screening or complex business financial crime investigations</span></li> <li style="font-size: 12pt; font-family: helvetica, arial, sans-serif;"><span style="font-size: 12pt; font-family: helvetica, arial, sans-serif;">You have experience making independent, risk-based financial crime decisions in a regulated financial services firm</span></li> <li style="font-size: 12pt; font-family: helvetica, arial, sans-serif;"><span style="font-size: 12pt; font-family: helvetica, arial, sans-serif;">You have knowledge of the current financial crime landscape in the EU, and associated financial crime risks</span></li> </ul> <p><span style="font-family: helvetica, arial, sans-serif; font-size: 12pt;"><strong>🙌 What’s in it for you</strong></span></p> <p><span style="font-family: helvetica, arial, sans-serif; font-size: 12pt;">💶 €41,300 - €50,300 + incentive awards tied to your performance</span></p> <p><span style="font-family: helvetica, arial, sans-serif; font-size: 12pt;">📍This role will have a hybrid working model, based in our Dublin office 2 - 3 days a week</span></p> <p><span style="font-family: helvetica, arial, sans-serif; font-size: 12pt;">⏰ 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</span></p> <p><span style="font-family: helvetica, arial, sans-serif; font-size: 12pt;">🏝 Annual Leave - 34 days including public holidays (24 holiday days + 10 public holidays)</span></p> <p><span style="font-family: helvetica, arial, sans-serif; font-size: 12pt;">📚 €1,200 learning budget each year to use on books, training courses and conferences</span></p> <p><span style="font-family: helvetica, arial, sans-serif; font-size: 12pt;">🏥 Private healthcare scheme</span></p> <p><span style="font-family: helvetica, arial, sans-serif; font-size: 12pt;">💰 Pension scheme: the minimum contribution is 4% and Monzo matches any additional contributions that you make up to a maximum of 6%</span></p> <p><span style="font-family: helvetica, arial, sans-serif; font-size: 12pt;">💛 Wellbeing benefits: financial education, women’s and men’s health support, mental health benefits, including coaching and counselling</span></p> <p><span style="font-family: helvetica, arial, sans-serif; font-size: 12pt;"><strong>🌈 The application journey has 3 key steps</strong></span></p> <ul> <li style="font-family: helvetica, arial, sans-serif; font-size: 12pt;"><span style="font-family: helvetica, arial, sans-serif; font-size: 12pt;">30 min call with the Recruiter</span></li> <li style="font-family: helvetica, arial, sans-serif; font-size: 12pt;"><span style="font-family: helvetica, arial, sans-serif; font-size: 12pt;">30 min video call with the Hiring Manager</span></li> <li style="font-family: helvetica, arial, sans-serif; font-size: 12pt;"><span style="font-family: helvetica, arial, sans-serif; font-size: 12pt;">2 hours of technical and behavioural interviews</span></li> </ul> <p><span style="font-family: helvetica, arial, sans-serif; font-size: 12pt;">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. <a href="https://monzo.com/blog/the-ultimate-guide-on-using-ai-to-ace-an-interview-at-monzo">You can read them here.</a></span></p> <p><span style="font-family: helvetica, arial, sans-serif; font-size: 12pt;">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.&nbsp;</span></p> <p><span style="font-family: helvetica, arial, sans-serif; font-size: 12pt;">#LI-MOS1</span></p><div class="content-conclusion"><hr> <p><strong>Equal opportunities for everyone</strong></p> <p>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 <a href="https://monzo.com/blog/diversity-and-inclusion">blog</a>, 2026 <a href="https://monzo.com/blog/our-2026-diversity-and-inclusion-report" target="_blank">Diversity and Inclusion Report</a> and 2025 <a href="https://monzo.com/blog/gender-pay-gap-report-2025">Gender Pay Gap Report.</a></p> <p>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.</p> <p>If you have a preferred name, please use it to apply. We don't need full or birth names at application stage 😊</p></div>