Financial Crime Investigator
BinanceSalary not specified
Full Time
Junior (1 to 2 years)
£29,450 – £37,000Compensation
Senior (5 to 8 years)Experience Level
Full TimeJob Type
UnknownVisa
Banking, FintechIndustries
Requirements
- Strong English written and verbal communication skills
- Fluent in Spanish written and verbal communication skills (to at least CEFR C1 level)
- Strong experience of conducting high-risk customer screening or complex financial crime investigations
- Experience making independent, risk-based financial crime decisions in a regulated financial services firm
- Knowledge of the current financial crime landscape in the UK and the EU, and associated financial crime risks
- Flexibility to work 7am - 6.30pm (8.5 hours per day with 1 hour lunch), including 1 in 4 weekends, to meet customer demand
- Ability to start on Monday 5th January and commit to the first 8 weeks with no holidays/time off
Responsibilities
- Investigating complex or high-risk anti-money laundering alerts on customer accounts
- Being responsible for recommending Suspicious Transaction Reports (STR) be filed by Monzo Bank EU
- Making customer onboarding decisions in high-risk or complex cases
- Conducting ongoing due diligence on high-risk customer accounts
- Providing financial crime expertise and support to other operational teams across the business
Skills
AML
Suspicious Transaction Reports
Customer Due Diligence
High-Risk Screening
Financial Crime Investigation
Spanish
English
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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