Hybrid opportunity at
ZopaFinancial Crime Specialist - Transaction Monitoring
Zopa is seeking a Financial Crime Specialist - Transaction Monitoring to join its team in Manchester on a hybrid basis. Founded in 2005 as the pioneering…
Career Tools
About This Role
Zopa is seeking a Financial Crime Specialist - Transaction Monitoring to join its team in Manchester on a hybrid basis. Founded in 2005 as the pioneering peer-to-peer lending company, Zopa launched Zopa Bank in 2020 to offer customer-centric financial services. Recognized as one of the UK’s Most Loved Workplaces, the institution emphasizes unconventional challenges and individual impact. In this hybrid role, you will protect the organization and its clientele by…
Job Description
Zopa is seeking a Financial Crime Specialist - Transaction Monitoring to join its team in Manchester on a hybrid basis. Founded in 2005 as the pioneering peer-to-peer lending company, Zopa launched Zopa Bank in 2020 to offer customer-centric financial services. Recognized as one of the UK’s Most Loved Workplaces, the institution emphasizes unconventional challenges and individual impact.
In this hybrid role, you will protect the organization and its clientele by examining intricate transaction monitoring alerts related to fraud, money laundering, and terrorist financing. You will combine human analytical judgment with AI-enabled tooling to review complex cases, apply proportional risk mitigation, and document thorough case notes. The position suits professionals with a strong background in financial crime investigations who are eager to work in a technology-driven banking environment.
The position requires working three days per week at the Manchester office located at WeWork, Dalton Place, 29 John Dalton Street. Shifts span 7.5 hours between 8 am and 8 pm, Monday through Friday. Additionally, staff work one full weekend every four weeks remotely from 9 am to 5:30 pm with weekdays off in lieu, alongside occasional bank holiday shifts.
Responsibilities
- Investigate transaction monitoring alerts across Zopa products to identify suspicious behaviors linked to money laundering, fraud, and terrorist financing
- Take ownership of intricate cases from initial review to final decision, utilizing contextual analysis and linked-account insights
- Execute timely and well-evidenced choices including account restrictions and formal escalations
- Utilize AI-enabled monitoring tools in daily casework while critically assessing summaries and recommendations rather than accepting them blindly
- Evaluate whether AI-led decisions deliver proper outcomes and identify control or risk concerns
- Maintain precise investigation records documenting evidence considered and risks mitigated
- Handle inbound and outbound phone and chat conversations with empathy and professionalism, including interactions regarding suspended accounts
- Collaborate with Fraud, Customer Support, Product, Risk, and Financial Crime teams to advance investigations
Requirements
- Proven experience investigating complex transaction monitoring and mule activity cases end-to-end
- Understanding of UK financial crime regulations including POCA, FCA expectations, and Money Laundering Regulations
- Strong analytical judgment to interpret complex information and produce evidence-based rationales
- Ability to challenge AI-generated summaries while taking accountability for final outcomes
- Strong written and verbal communication skills for handling sensitive customer interactions
- Capability to manage competing priorities in a fast-paced setting
- Knowledge of retail banking products such as payments, savings, and investments
- Ability to work a hybrid schedule with three days a week in the Manchester office
Qualifications
- Experience investigating complex mule activity and linked-account networks
- Prior use of AI-enabled tools for financial crime investigations or operational decision-making
- ACAMS, ICA, or an equivalent financial crime qualification
Core Skills
Benefits
- Option to work from abroad for up to 120 days a year, subject to right-to-work eligibility
- Time off in lieu provided for weekend and bank holiday shifts worked
Frequently Asked Questions
Answers are based only on the employer’s listing; where it doesn’t say, neither do we.
Is this role remote, hybrid, or on-site?
This is a hybrid role requiring you to work from the Manchester office three days per week.
What are the working hours and shift patterns?
You will work 7.5-hour shifts between 8 am and 8 pm from Monday to Friday. You are also required to work one full weekend every four weeks remotely from 9 am to 5:30 pm with weekdays off in lieu, plus occasional bank holiday shifts.
What is the salary for this position?
The salary is not stated in the job posting.
What qualifications are preferred for applicants?
Desirable qualifications include ACAMS, ICA, or an equivalent financial crime qualification, alongside prior experience with AI tools and complex mule activity investigations.
Sample Interview Questions
AI-generated questions tailored to this specific role — a preview of the full practice set.