🚀 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 ✨

Remote in the UK 🇬🇧 | 💰 £29,450 - £34,650 with additional allowance for out of hours see below ✨Benefits | Hear from the team ✨

Start date - Monday 1st September 2025 

8 weeks training, fully remote, training will be Monday - Friday 9am - 5:30pm

 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. 

As part of the application process, we'll ask you more about the below shift patterns, please note this role will require you are fully flexible to accommodate both possible shift rotations.

🌝 Late evening shift

• 5pm-1.30am with with a 1 in 3 weekend rotation
• £208 monthly allowance on top of base salary (£2503 per year)

🌛 Overnight shift

• 12.30am-9am with a 1 in 3 weekend rotation
• £417 monthly allowance on top of base salary (£5004 per year)

👋 Our Financial Crime Overnight TeamWe are looking for night owls who love solving problems and keeping up-to-date with the latest financial crime and fraud trends to join our late team, working 12am - 9am, and help Monzo make money work for everyone.We complete a diverse range of fraud and financial crime tasks within our Overnight team, to ensure that we keep Monzo and our customers safe around the clock.

We believe that the Overnight team is best placed to protect our customers and Monzo when they have a holistic understanding of the threats that we need to prevent. This means that all financial crime and fraud work is tackled as one Overnight team with multi-skilled individuals.This means that you’ll have the opportunity to be exposed to, and trained to work on, a variety of financial crime and fraud tasks over the course of your career at Monzo.

One of our current Out of Hours Investigators tells you more:

'Working as an Out of Hours Anti-Money Laundering Investigator has not only allowed me to build on my existing skill-set but also given me a level of freedom during the day that I now find invaluable. In the evenings and nights I help to keep our business safe whilst also finding ways to support the team around me - especially those new to the role - and during the day I'm free to take care of chores, spend time with friends & family, and also study!

Talking of studying - the £1000 learning budget that Monzo grants each employee has allowed me to sign-up for an advanced course to hone my Investigator skills. Several of my peers are also doing this and it has been a great way to develop our understanding of the industry whilst also building a network of colleagues & friends.

Initially, I found the pace of work challenging to maintain as Monzo operates a little differently to my previous employer and I worried that working later hours would mean reduced support - but the Out of Hours team were there to help me each step of the way, building my confidence, providing me with constructive feedback, and offering second opinions on trickier tasks. Now that I'm up-to-speed, the most rewarding part of my job is helping others - something that my manager and I have started building into my personal development plan and I'm so excited to see where my Monzo career takes me next...'

🔑You’ll play a key role by...

• Making decisions about what to do with customer accounts that are flagged by our transaction monitoring system
• Writing suspicious activity reports for Monzo and the National Crime Agency
• Engaging with other banks and financial institutions about reports of fraudulent behaviour
• Securing fraudulent funds so that they can be returned to victims

🤩We’d love to hear from you if…

• You’re a night owl 
• You have experience working in operational financial crime, fraud, or screening teams - or think that you have other relevant experience that we should consider
• You have a keen interest in anti-money laundering or fraud trends
• You love connecting the dots and solving problems
• You are comfortable making judgement-based decisions in a changing environment
• You’re great at explaining things to people, and have flawless written English
• You’re excited by our mission of making money work for everyone

🙌 What’s in it for you

💰£29,450 - £34,650 ➕share options.

🎂 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.

🌈 The application journey has 3 key steps

• Initial application questions (please take your time, we read these carefully!),
• A call with the Recruiter 
• Values & role-specific technical skills interview to assess your AML knowledge

Please note you should submit your own application without help from other sources e.g Others/ChatGPT any applications whereby external support has been provided will be disqualified.  Our average process takes around 2-3 weeks but we will always work around your availability. You will have the chance to speak to our recruitment team at various points during your process but if you do have any specific questions ahead of this please contact us via Sophiewalker@Monzo.com

#LI-REMOTE #LI-SW

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 😊