[Remote] Lead Financial Crime Operations Analyst at Monzo

Cardiff, Wales, United Kingdom

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£47,600 – £60,200Compensation

Senior (5 to 8 years), Expert & Leadership (9+ years)Experience Level

Full TimeJob Type

UnknownVisa

Fintech, Banking, Financial ServicesIndustries

Requirements

Experience leading highly-skilled, specialist teams in fraud or financial crime
Experience assessing and managing performance across a broad range of complex tasks
Ability to represent Monzo’s core values and inspire a team to do the same
Experience analysing management information and using it to influence positive change in a financial crime or fraud setting
Experience presenting to senior management on a range of topics
Experience developing knowledge management approaches
Experience collaborating across multiple disciplines (inferred from incomplete text)
Strong investigatory skills
Intimate understanding of the changing financial crime landscape in the UK
Experience leading and developing highly skilled teams

Responsibilities

Monitoring the day-to-day performance, work allocation, and addressing identified prioritisation or capacity challenges within the Operations Analyst team
Ensuring our financial crime operations teams are equipped with effective Guru guidance and processes
Leading the team to complete timely, accurate, and efficient financial investigations on our most complex cases
Supporting the Senior Operations Managers in developing, communicating, and implementing operational improvements
Managing the personal and professional development of your direct reports
Contributing to a strong control environment by minimising breaches and risk events, and collaborating to resolve operational incidents when they occur
Providing timely and useful operational insights to counterparts in financial crime risk to keep them informed
Working closely and collaboratively with the control owners who are responsible for the financial crime controls that drive operational demand, including relevant product squads
Agreeing the team’s goals and roadmap, prioritising and allocating work, and ensuring they are well supported, developed, and trained
Line management to a diverse team of 6-8 financial crime operations analysts across Retail Anti-Money Laundering, Retail Screening, Business Financial Crime, and Law Enforcement Liaison

Skills

Financial Crime

Anti-Money Laundering

AML

Screening

Fraud Detection

Team Management

Operations

Quality Control

Law Enforcement Liaison

Risk Management

Stakeholder Management

Process Enhancement

Monzo

Digital-only banking platform for consumers

About Monzo

Monzo operates as a digital-only banking platform focused on providing a modern way for individuals to manage their finances. Its main product is a mobile app that allows users to track their income, spending, and savings easily. The app includes features that help users save money, such as automatically setting aside a portion of their paycheck or rounding up transactions to the nearest dollar. Monzo generates revenue through interest on deposits, fees for certain services, and interchange fees from card transactions, as well as offering overdrafts and personal loans. What sets Monzo apart from traditional banks is its real-time balance updates and instant spending notifications, which help users stay informed about their finances. The goal of Monzo is to provide a convenient, mobile-first banking experience that meets the needs of its growing customer base, which has surpassed 8 million users.

London, United KingdomHeadquarters

2015Year Founded

$1,856.7MTotal Funding

LATE_VCCompany Stage

Fintech, Financial ServicesIndustries

1,001-5,000Employees

Benefits

Competitive salary

Flexible working hours

Work from home

Stock options

32 days of paid vacation and public holidays per year

Health insurance

EAP

Learning budget

Home office stipend

Paid parental leave

Risks

Monzo breached UK banking regulations, risking reputational damage and fines.

Expansion into Europe poses regulatory challenges and potential licensing delays.

Reliance on digital platforms makes Monzo vulnerable to technological disruptions.

Differentiation

Monzo offers real-time spending updates and categorized transactions via a mobile app.

The 'Pots' feature allows users to set aside money for specific purposes.

Monzo Plus provides premium features like custom card designs and travel insurance.

Upsides

Monzo secured $400M in 2024, valuing the bank at $5 billion.

The partnership with SignLive enhances accessibility for Deaf customers.

Expansion into Europe in 2025 could significantly increase Monzo's customer base.

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