FinCrime & Fraud Operations Investigator

Job Summary

Monzo is seeking a Fraud and Financial Ops Investigator to join our EU FinCrime & Fraud Operations team in Dublin. The role works closely with product, technology, data science, and engineering to investigate anti money laundering and fraud alerts across our personal, business, and partner accounts. You will handle escalations, supervise outsourced fraud partners, and support decisions on high risk onboarding.

Responsibilities

• Investigate complex or high risk AML and fraud alerts
• Recommend and file Suspicious Transaction Reports (STR) for Monzo Bank EU
• Make business onboarding decisions for high risk or complex cases
• Conduct ongoing due diligence on high risk entities
• Provide financial crime expertise and support to other operational teams

Qualifications

• Strong written and verbal communication skills in English
• Fluent Spanish (CEFR C1 or higher)
• Extensive experience in high risk business banking screening or complex financial crime investigations
• Demonstrated ability to make independent, risk based financial crime decisions in a regulated environment
• In depth knowledge of the EU financial crime landscape and associated risks

Benefits

• Salary: €41,300 - €50,300 plus incentive awards tied to performance
• Hybrid working model: 2-3 days in the Dublin office each week
• Flexible working hours
• 34 days annual leave (24 public holidays + 10 paid public holidays)
• €1,200 learning budget per year
• Private healthcare scheme
• Pension scheme (minimum 4% company match, up to 6% maximum)
• Well being benefits including financial education, health support, and mental health coaching and counselling

Equal Opportunity Statement

Monzo is 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, veteran, neurodiversity or disability status.