Senior Financial Crime Investigator - Merchant Acquiring

Monzoreferralssenior

In short

→Investigador senior de delitos financieros enfocado en adquirencia de comerciantes.
→Revisa documentación, evalúa riesgos y investiga actividades sospechosas en clientes empresariales.
→Destaca por el enfoque en normativas de tarjetas y procesos de onboarding del sector de pagos.

You’ll work in English, with full fluency required.

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What they ask for

✓Experiencia comprobada en roles de KYC/B, AML o cumplimiento en pagos o servicios financieros.
✓Conocimiento profundo de la adquirencia de comerciantes o reglas de esquemas de tarjetas.
✓Capacidad para evaluar documentos y riesgos de clientes empresariales con rigor.
✓Habilidad para investigar actividades sospechosas y tomar decisiones basadas en riesgo.
✓Colaboración efectiva con equipos de Cumplimiento, Legal y Riesgo.
✓Adaptabilidad en entornos dinámicos con cambios frecuentes en procesos y regulaciones.

Don't tick every box? That's normal — your free dossier shows your gaps and how to cover them in the interview.

KYBKYC/BAMLRegulatory guidelinesInternal policiesMerchant applicationsFinancial statementsLegal agreementsBeneficial ownership informatiAudit trails

Who should you write to at Monzoreferrals?

Your free dossier identifies the people who'd interview you — their background, what they value, and how to reach out so you stand out before applying.

📍Remote in the UK 🇬🇧 | £31,100 - £39,350 + Incentive Awards tied to your performance + Benefits Start date: Monday 9th November 2026 Shifts: You ll work 37.5 hours per week. This means you ll work Monday to Friday, from 9AM to 5:30PM. You ll also work one full weekend (Saturday and Sunday), once every 4 weeks with 2 set days in lieu when working the weekend. (*For the first few months this will not be required and will be Monday-Friday ⭐ Our Financial Crime Customer Operations Team: The Shield of Monzo Our Financial Crime Customer Operations team is the frontline defence protecting Monzo and our customers from fraud, money laundering, and other financial crime. More than a compliance function, we safeguard the integrity of our business through robust investigations, risk management, and regulatory compliance. We re looking for a FinCrime Business Banking – Acquiring Senior Investigator to conduct customer due diligence, assess financial crime risks, investigate suspicious activity, and ensure compliance with regulatory and payment industry requirements. You ll be a self-starter who can thrive in a fast-paced environment and make an impact from day one. Within the FinCrime Business Banking Pillar, you ll help protect the full lifecycle of our business customers—from onboarding through ongoing monitoring—by identifying financial crime risks, investigating suspicious activity, and recommending appropriate controls, reporting, or account exits where needed. 🔑 You’ll play a key role by... • Conducting comprehensive KYB checks on new and existing customers, ensuring adherence to regulatory guidelines and internal policies • Reviewing customer documentation, including merchant applications, financial statements, legal agreements, and beneficial ownership information • Evaluating the adequacy and accuracy of customer-provided information and perform risk assessments based on established criteria • Investigating and resolve any red flags, inconsistencies, or suspicious activities identified during the customer due diligence process • Collaborating closely with cross-functional teams, such as Compliance, Legal and Risk, as required, to obtain additional information or clarify discrepancies • Staying updated on evolving local and payment industry regulations, card scheme rules, and best practices to ensure compliance with applicable standards • Maintaining accurate and up-to-date records of customer due diligence activities, including audit trails, risk assessments, and supporting documentation • Assisting in the development and enhancement of KYB policies, procedures, and tools specific to the payments industry to improve efficiency and effectiveness • Providing training and support to other team members on KYB processes, industry requirements, and emerging trends • Reporting any potential cases of money laundering, fraud, or suspicious activities to the Financial Crime Risk Team and relevant authorities 💡 We’d love to hear from you if… • Subject Matter Expert/Knowledge of Merchant Acquiring/Payment merchant services or deep knowledge of card scheme rules and onboarding for card schemes • You have proven experience working in a KYC/B, AML, or compliance-related role within the payments industry or financial services sector • You thrive in a fast-paced environment and can adapt positively and quickly to change be it new guidance, evolving processes, or shifting priorities. • You maintain flexibility in the t

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