📍Remote in the UK 🇬🇧 | 💰 £24,675 - £27,000 + Benefits 

About us: 

We’re here to make money work for everyone and we're doing things differently. For too long, banking has been obtuse, complex and opaque.  We want to change that and build a bank with everyone, for everyone. Our amazing community suggests features, test the app and give us constant feedback so we can build something everyone loves.  We're focused on solving problems, rather than selling financial products. We want to make the world a better place and change people's lives through Monzo.

About our Financial Crime Customer Operations team:

Our Financial Crime Customer Operations team is at the heart of how we protect Monzo and our customers from economic crimes such as fraud, bribery & corruption, sanctions evasion, and money laundering.  

In our Screening team we support various aspects of the customer journey such as onboarding (we call them ‘sign-ups’), ongoing monitoring, and event based reviews. Our Investigators conduct reviews on tasks where our customers may appear on fraud prevention or sanctions databases or where they may be classified as a politically exposed person (PEP). We conduct due diligence on our customers based on our customer risk assessment (CRA) and support our financial crime risk teams by recommending or making fair and proportionate risk based decisions on their behalf.

What you’ll be working on:

We're looking for Financial Crime Investigators to join our growing Screening team.  You'll report to a Financial Crime Team Manager as part of a team of about 11. As an investigator, your time will be split between onboarding and sanctions screening tasks, escalations from our outsourced partners, and enhanced due diligence

Our investigators are focused on tasks related to the Screening Operations, allowing them to build subject matter expertise and help protect and grow Monzo. Although we work in separate operations (we call them ‘Pillars’ internally), collaboration is key and we work closely with other pillars across FinCrime Operations, such as Anti-Money Laundering, where required.

Your day-to-day:   

• Conducting payment screening investigations to identify risks associated with high risk jurisdictions and sanctions
• Escalating true positives to Senior Investigators who will verify these before referring them to nominated approvers
• Reviewing customers at onboarding and based on trigger events, conducting robust enhanced due diligence (EDD) where required
• Answering escalations from other business areas and providing responses
• Reviewing alerts provided by our monitoring systems such as potential Sanctions or Fraudulent Identity
• Sharing emerging risks and trends you spot with our Senior Investigators and  Technical Managers
• Reviewing and taking action on accounts to protect Monzo and its customers

You should apply if:

• You're able to start on 1st April and attend 7 weeks of training Monday to Friday 9am - 6pm (please note that we do not allow holidays or appointments during this time)
• You have entry level knowledge of fighting financial crime
• You're a strong team player and able to work effectively with colleagues with a range of backgrounds and experience levels
• You have worked in roles involving know your customer (KYC) or customer due diligence (CDD), or have dealt with tasks such as onboarding customers, reviewing Sanctions, PEPs or Adverse Media
• You have strong decision making skills and the ability to document and articulate rationale for your decisions
• You can develop knowledge and understanding of UK legislation and regulations around economic crime
• You have an awareness of the requirements for enhanced due diligence (EDD) on high risk customers, although you don't need to have had practical experience
• You have good time management skills and can work towards deadlines
• You're able to become fluent with MacOS, Slack, and GSuite tools

The Interview Process:

Our interview process involves 2 main stages: 

• Answering the application questions below (please take due consideration as these will form part of the screening selection process) 
• A Role Specific / Technical interview combined with values interview with Team or Technical Managers (45 minutes)

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 debbieroscoe@monzo.com.

Logistics:

You'll work from home in this role, but you can ask to work from our Cardiff office if you live locally and would prefer to work in an office environment.

The application process ⭐️  consists of three initial application questions (we recommend about 250 words per question but please take your time, we read these carefully!), followed by a 1 hour remote interview. 

Shifts - You'll work 37.5 hours per week. This means you'll work Monday to Friday, from 9am to 5:30pm, with a one hour lunch break. You'll also work one full weekend (Saturday and Sunday), once every 4 weeks.

What’s in it for you:

💰 Salary range between £24,675 - £27,000

📍Remote based role within the UK

⏰ We offer flexible working hours and trust you to work enough hours to do your job well, at times that suit you and your team.

📚 Learning budget of £1,000 a year for books, training courses and conferences

➕ And much more, see our full list of benefits here

🏡 To work remotely you'll also need:

• to work from home in the UK in a safe, private and distraction free environment
• a solid internet connection (download speed - 10mbps; upload speed - 5 mbps)

💻 Equipment:

• We'll provide you with a work laptop on your first day. There's no need to supply your own.
• You do need to own your own smartphone, this will be needed each time you log into our customer support system.

Equal Opportunity Statement

We are actively creating an equitable environment for every Monzonaut to thrive.

Diversity and inclusion are a priority for us and we are making sure we have lots of support for all of our people to grow at Monzo. At Monzo, embracing diversity in all of its forms and 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,  2022 Diversity and Inclusion Report and 2022 Gender Pay Gap Report.

We're an equal opportunity employer. All applicants will be considered for employment without attention to ethnicity, religion, sexual orientation, gender identity, family or parental status, national origin, veteran, neurodiversity status or disability status.

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