Senior Financial Crime Investigator – Merchant Acquiring

By Referrals Only

Financial Crime Investigator ensuring compliance and investigating suspicious activities for Monzo's business customers. Conducting KYB checks and collaborating with cross-functional teams to safeguard integrity.

Posted 7/21/2026full-timeRemote • 🇬🇧 United KingdomSenior💰 £31,100 - £39,350 per yearWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in conducting comprehensive Know Your Business (KYB) checks and due diligence in compliance with regulatory guidelines, with a strong focus on Anti-Money Laundering (AML) principles and financial crime risk assessment. Proficient in collaborating with cross-functional teams and providing training on KYB processes and industry requirements.

Highest-signal resume keywords

Know Your Business (KYB)Anti-Money Laundering (AML)Financial Crime Risk AssessmentRegulatory ComplianceMerchant Acquiring Knowledge

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Due DiligenceRisk AssessmentOpen-Source ResearchAnalytical SkillsInvestigative Skills

Soft Skills

CollaborationTraining and Support

Industry Keywords

Financial ServicesPayment Industry RegulationsUK Suspicious Activity Reporting (SAR)Card Scheme RulesCompliance Policies

About the role

Key responsibilities & impact

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

Requirements

What you’ll need

Subject Matter Expert/Knowledge of Merchant Acquiring/Payment merchant services or deep knowledge of card scheme rules and onboarding for card schemes
Proven experience working in a KYC/B, AML, or compliance-related role within the payments industry or financial services sector
Excellent analytical and investigative skills, with the ability to identify risks, analyse complex information, and make informed decisions
Significant and specific experience in conducting end-to-end due diligence (KYB) and investigations on businesses (SMEs, Corporates, etc.) in a regulated financial crime setting.
Proven ability to conduct in-depth, high-quality open-source research and analysis to corroborate customer profiles and transactional activity.
Strong foundational and applied Financial Crime knowledge, specifically deep exposure to Know Your Business (KYB) and Anti-Money Laundering (AML) principles.
A strong understanding of current UK and international financial crime trends and acquiring typologies, with particular expertise in those impacting acquiring (e.g. Structuring, shell merchants, Abuse of Merchant facilities, etc.)
A comprehensive understanding of the UK Suspicious Activity Reporting (SAR) regime, including consent requirements and the legislative framework (POCA).

Benefits

Comp & perks

£1,000 learning budget each year to use on books, training courses and conferences.
We will set you up to work from home; all employees are given Macbooks and for fully remote workers we will provide extra support for your work-from-home setup.