Remote opportunity at
MonzoSenior Fraud Investigator, Prevent
Monzo operates as a digital banking provider seeking to transform traditional financial services through customer-focused banking products for personal and business users across the United Kingdom.…
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About This Role
Monzo operates as a digital banking provider seeking to transform traditional financial services through customer-focused banking products for personal and business users across the United Kingdom. Within the Financial Crime and Fraud Collective, the Prevent division focuses on educating and intervening when customers face potential active fraud risks, handling incidents that involve authorised card payments and faster payments. The Senior Fraud Investigator position involves working remotely within the UK on…
Job Description
Monzo operates as a digital banking provider seeking to transform traditional financial services through customer-focused banking products for personal and business users across the United Kingdom. Within the Financial Crime and Fraud Collective, the Prevent division focuses on educating and intervening when customers face potential active fraud risks, handling incidents that involve authorised card payments and faster payments.
The Senior Fraud Investigator position involves working remotely within the UK on a full-time schedule of 37.5 hours per week. Team members operate on a Monday through Friday shift pattern from 9:00 AM to 6:00 PM, while also covering one in every five weekends and one late shift from 11:30 AM to 8:00 PM every four weeks. Staff may also be scheduled to work on bank holidays, including Christmas Day, Boxing Day, and New Year's Day. The scheduled start date for this position is Monday, January 18, 2027.
This role suits professionals with investigative expertise, cryptocurrency familiarity, and strong communication skills who can guide clients through complex scam scenarios. Investigators handle critical case reviews, manage account interventions, and contribute to continuous improvement loops within the department.
Responsibilities
- Gather and analyze evidence extracted from flagged transaction data
- Investigate suspicious transactions with empathy, attention to detail, and adherence to company values
- Support and reassure customers through active fraud identification processes
- Make independent decisions to block or release flagged transactions up to a value of £59,999.00
- Submit accounts for closure following investigations that reveal first-party concerns
- Triage cases exceeding £59,999.00 for upward escalation
- Secure compromised accounts and execute remedial actions to restore safe account usage
- Advise and support fraud victims on future protection strategies
- Manage non-Financial Ombudsman Service complaints and provide feedback to team members and managers
Requirements
- Demonstrate a strong understanding of regulatory requirements related to fraud and financial crime
- Possess solid knowledge of cryptocurrency and its application in various fraud typologies
- Exhibit excellent written and verbal English communication skills with experience talking to potential fraud victims
- Display the ability to be persuasive while maintaining empathy
- Show strong expertise in investigation, problem-solving, and decision-making
- Demonstrate the ability to work independently as well as collaboratively with a broader team
- Maintain the ability to work efficiently toward deadlines
- Align with core company values in a values-driven approach
Core Skills
Benefits
- Base salary between £31,100 and £39,350 per year
- Performance-tied incentive awards
- Annual learning budget of £1,000 for books, training courses, and conferences
- MacBook and work-from-home setup support for remote employees
Frequently Asked Questions
Answers are based only on the employer’s listing; where it doesn’t say, neither do we.
Is this role remote?
Yes, the posting specifies UK remote work.
What is the salary range for the Senior Fraud Investigator position?
The salary ranges from £31,100 to £39,350 per year, supplemented by performance-tied incentive awards.
What are the working hours and shift patterns?
The role requires 37.5 hours per week, typically Monday to Friday from 9:00 AM to 6:00 PM. Employees also work 1 in 5 weekends and one week of 11:30 AM to 8:00 PM every 4 weeks, with potential requirements to work bank holidays including Christmas Day, Boxing Day, and New Year's Day.
When does the job start?
The scheduled start date for this position is Monday, January 18, 2027.
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