Senior Investigator, Financial Crime Screening

Remote in the UK | £26,250 - £37,000 + 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 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 review. 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 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 are looking for experienced financial crime professionals to join us as Senior Investigators and support our growing Screening team.

You will report to a Financial Crime Team Manager as part of a team of about 11. As a Senior, you'll support your manager with coaching, escalations, and also work closely with our Technical Managers on our trickiest escalations.

Alongside completing complex screening tasks around PEPs, sanctions, payments and fraud, you will also support with the roll-out of extensive enhanced due diligence and customer risk assessment control enhancements by approving tasks worked by Investigators & answering their escalations.

**Your day-to-day**:

- Reviewing high priority or complex tasks, such as enhanced due diligence, conducting open source investigations where required
- Performing real-time approvals on some high risk tasks.
- Answering escalations from Investigators and other junior colleagues and, if required, escalating these further to Technical Managers
- Coaching junior colleagues on our FinCrime Screening tasks
- Sharing emerging risks and trends you spot with our Technical Managers
- Identifying gaps in Investigators' knowledge and feeding this back to their manager
- Reviewing and submitting suspicious activity reports on behalf of our Screening Investigators
- You have solid experience in fighting financial crime, specifically around customer due diligence (CDD).
- You are confident in using open source information to inform your reviews and investigations.
- You are a strong team player and able to work effectively with colleagues with a range of backgrounds and experience levels.
- You are developing as a specialist in financial crime screening, specifically in payments screening, enhanced due diligence, PEPs, Sanctions & Adverse Media, onboarding & identity verification (IDV), and know your customer (KYC).
- You have the ability to handle escalations from investigators and other junior colleagues.
- You can provide actionable specific feedback to investigators and their managers.
- You enjoy keeping up to date with emerging risk and trends in financial crime.
- You have some experience coaching colleagues and you can support our Learning and Development team delivering training.
- You are developing a solid understanding of UK legislation and regulations around economic crime.
- You are able to articulate financial crime risks facing fintechs and the banking sector.
- You have an awareness of the enhanced due diligence requirements for complex and high risk customers.
- You have great time management skills, you are flexible and you can work with limited supervision.
- You are able to become fluent with MacOS, Slack, and GSuite tools.

**The Interview Process**:
Our interview process involves 3 main stages:

- A Take Home Task aimed as displaying your Financial Crime expertise (30 minutes - 1 hour)
- A Role Specific / Technical interview combined with values interview with Team Managers, Technical Managers or FinCrime Product Partners (45 minutes)

**What's in it for you**:
£26,250-£37,000

This role is fully remote / requires full-time home working.

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

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

The role will require you to be available Monday-Friday 9am-6pm and work around 1 in every 8 weekends where you will have days off in lieu.

**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 o