Financial Crime Team Leader

🚀 We’re on a mission to make money work for everyone. We’re waving goodbye to the complicated and confusing ways of traditional banking. After starting as a prepaid card, our product offering has grown a lot in the last 10 years in the UK. As well as personal [https://monzo.com/current-account/personal] and business [https://monzo.com/business-banking] bank accounts, we offer joint accounts [https://monzo.com/current-account/joint-account], accounts for 16-17 year olds [https://monzo.com/current-account/16-17], a free kids account [https://monzo.com/current-account/under-16s] and credit cards [https://monzo.com/flex] in the UK, with more exciting things to come beyond. Our UK customers can also save [https://monzo.com/savings], invest [https://monzo.com/investments]and combine their pensions [https://monzo.com/pensions] with us.  With our hot coral cards and get-paid-early feature, combined with financial education on social media and our award winning customer service, we have a long history of creating magical moments for our customers! We’re not about selling products - we want to solve problems and change lives through Monzo ❤️ ----------------------------------------------------------------------------------------------------------------------------------   Remote in the UK 🇬🇧 | 💰£32,200 - £43,600 + Incentive Awards tied to your performance +  Benefits ✨ [https://monzo.com/careers/] ⭐ OUR MERCHANT ACQUIRING FINANCIAL CRIME TEAM Are you interested in leading a team at the frontline of merchant acquiring financial crime prevention? Our Financial Crime Customer Operations team is the shield of Monzo — the frontline defence protecting Monzo and our customers from fraud, money laundering, and other financial crime. We're looking for an individual with a blend of experience in preventing financial crime in Business Banking — essentially in Merchant Acquiring — and tenured experience of team leadership to join our Financial Crime Operations team. 🔑 YOU'LL PLAY A KEY ROLE BY... * Managing the personal & professional development of approximately 12 Financial Crime Business Banking – Acquiring Investigators. * Fostering an empathetic, high-performance culture in the team. * Providing technical coaching, feedback, and advice relating to merchant acquiring financial crime tasks (KYB, merchant due diligence, card scheme compliance, and investigations). * Answering escalations and completing quality control across the full merchant lifecycle — onboarding, underwriting, ongoing monitoring, and offboarding. * Analysing and driving improvement in team performance, and reporting relevant insights. * Monitoring and maintaining service level adherence on the work completed by the team, reviewing work status and availability of your team members. * Providing meaningful feedback to your team and ensuring learnings are taken from it. * Communicating and embedding change within the team, driving a positive culture to help us progress as we grow. * Contributing to a strong control environment by minimising breaches and risk events, and helping strengthen controls across our acquiring portfolio. * Reviewing complaints attributed to the team and identifying opportunities for improvement. * Ensuring suspicious activity, money laundering, or fraud risks identified by the team are appropriately escalated and reported to the Financial Crime Risk Team and relevant authorities. * Conducting job interviews for financial crime investigators and contributing to hiring decisions. * Chairing employee relations cases and making decisions consistent with Monzo's values. * Being part of a high performing management team, supporting each other when required. 🤩 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 have a strong proven background in managing a team within Financial Crime in Business Banking, with exposure to Merchant Acquiring / payment merchant services. * You have an understanding of current financial crime trends and acquiring typologies (e.g. structuring, shell merchants, abuse of merchant facilities). * You have experience providing technical coaching and feedback on FC Business Banking tasks. * You're a clear and inspiring communicator, with excellent written and verbal English. * You're empathetic and have a supportive approach to people leadership. * You're great at prioritising problems and assessing risk in an operations environment. * You are passionate about working in a fast paced environment and comfortable with change. * You can quickly become a key member of the leadership team and support the pillar. PREFERRED EXPERIENCE AND QUALIFICATIONS * You have experience conducting investigations in an operational setting, with subject matter expertise in FinCrime Business Banking but essentially in Merchant Acquiring. * Deep knowledge of Know Your Business (KYB) and Anti-Money Laundering (AML) principles, and a working understanding of the UK Suspicious Activity Reporting (SAR) regime (including consent requirements and POCA). * Recent experience with emerging financial crime trends and typologies. * Experience managing employee relations cases. * Experience taking individuals and teams from a position of underperformance to high performance. * Experience accurately interpreting and representing complex management information. * Holds, or is happy to work towards, the ICA International Advanced Certificate in Anti Money Laundering, or a similar industry qualification (e.g. ACAMS). * Fluency in MacOS, Slack, and GSuite tools. 🙌 WHAT'S IN IT FOR YOU  * 💰£32,200 - £43,600 + Incentive Awards tied to your performance +  Benefits ✨ [https://monzo.com/careers/] * 🎂 We guarantee to approve time off on your birthday if it falls on a day you're scheduled to work and it's outside of your training period. * 📍 This role is remote based in the UK. * 📚 £1,000 learning budget each year to use on books, training courses and conferences. * 🏡 We'll set you up to work from home; all employees are given Macbooks and for fully remote workers we provide extra support for your work-from-home setup. 🌈 THE APPLICATION JOURNEY HAS 3 KEY STEPS * Application questions * Recruiter call * Leadership/Technical Interview We have some guidelines on using Artificial Intelligence (AI) to ace an application and interview at Monzo. You can read them here. [https://monzo.com/blog/the-ultimate-guide-on-using-ai-to-ace-an-interview-at-monzo] We’ll close this role once we have enough applications for the next stage, so please submit your application as soon as possible to make sure you don’t miss out.  #LI-REMOTE #LI-NEM ---------------------------------------------------------------------------------------------------------------------------------- Equal opportunities for everyone Diversity and inclusion are a priority for us and we’re making sure we have lots of support for all of our people to grow at Monzo. At Monzo, we’re embracing diversity by fostering an inclusive environment for all people to do the best work of their lives with us. This is integral to our mission of making money work for everyone. You can read more in our blog [https://monzo.com/blog/diversity-and-inclusion], 2026 Diversity and Inclusion Report [https://monzo.com/blog/our-2026-diversity-and-inclusion-report] and 2025 Gender Pay Gap Report. [https://monzo.com/blog/gender-pay-gap-report-2025] We’re an equal opportunity employer. All applicants will be considered for employment without attention to age, ethnicity, religion, sex, sexual orientation, gender identity, family or parental status, national origin, or veteran, neurodiversity or disability status. If you have a preferred name, please use it to apply. We don't need full or birth names at application stage 😊

ABOUT LENDABLE Lendable is on a mission to build the world's best technology to help people get credit and save money. We're building one of the world’s leading fintech companies and are off to a strong start: * One of the UK’s newest unicorns with a team of just over 700 people * Among the fastest-growing tech companies in the UK * Profitable since 2017 * Backed by top investors including Balderton Capital and Goldman Sachs * Loved by customers with the best reviews in the market (4.9 across 10,000s of reviews on Trustpilot) So far, we’ve rebuilt the Big Three consumer finance products from scratch: loans, credit cards and car finance. We get money into our customers’ hands in minutes instead of days. We’re growing fast, and there’s a lot more to do: we’re going after the two biggest Western markets (UK and US) where trillions worth of financial products are held by big banks with dated systems and painful processes. JOIN US IF YOU WANT TO 1. Take ownership across a broad remit. You are trusted to make decisions that drive a material impact on the direction and success of Lendable from day 1 2. Work in small teams of exceptional people, who are relentlessly resourceful to solve problems and find smarter solutions than the status quo 3. Build the best technology in-house, using new data sources, machine learning and AI to make machines do the heavy lifting ABOUT THE ROLE: * We’re hiring new financial crime investigators due to continued business growth. * You’ll conduct important financial crime screening checks and investigations into new applicants and existing customers. * You will use screening tools to match customer data against PEPs & Sanctions lists and use your initiative to determine the risks associated with the application/ customer. * You will review customer profile information and transactional activity to identify financial crime risks, and take appropriate action on the account.. * You will submit internal Suspicious Activity Reports in instances where suspicious activity has been identified.  * As the business grows you may be required to take on additional tasks to support the Financial Crime Team. * You’ll work in the office 3 days per week. * You'll work 40 hours per week. This means you'll work Monday to Friday, from 9am to 6pm, with a one hour lunch break. * You'll also work one full weekend (Saturday and Sunday), once every 4 weeks, and have two weekdays off in lieu. YOUR TEAM’S OBJECTIVES * Protect our customers and society, by preventing fraud and financial crime. * Comply with financial crime regulations and company policy. * Minimise customer and applicant friction through skilled and timely decisions. * Identify opportunities for product and process improvement. HOW YOU’LL IMPACT THOSE OBJECTIVES * You’ll support new application checks and existing customer monitoring. * You’ll investigate potential Politically Exposed Persons (PEPs) and Sanctions matches, and assist with onboarding reviews. * You’ll monitor activity and transactions on customer accounts. * You will help mitigate risk by escalating Financial crime concerns that you have identified during your reviews. WHAT DO YOU NEED TO SUCCEED IN THIS ROLE? * Ability to collaborate effectively within a diverse team. * Have an analytical mindset with a good attention to detail. * Strong decision-making skills, and excellent writing skills to document decisions.  * Can effectively communicate with customers, applicants and senior management, when necessary. * Proficient time management skills, comfortable meeting targets and deadlines. * Previous financial crime experience is advantageous, particularly around screening and KYC. * Experience in identifying opportunities for process improvements and implementing solutions, including the use of automation and AI technologies to enhance efficiency and effectiveness in financial crime prevention. * Demonstrated ability to leverage data, machine learning, and AI to develop and optimise strategies for fraud and financial crime detection and prevention. THE INTERVIEW PROCESS We’re not a corporation so we try our best to get things moving as quickly as possible. For this role we’d expect: 1) A 15 minute Cognitive Assessment 2) A 30 minute call with a member of the Talent team 3) An onsite Interview and Assessment with the Financial Crime Team Leader/Manager 4) Video Interview with the Head of Fraud and Financial Crime LIFE AT LENDABLE * Winning team: the opportunity to scale up one of the world’s most successful fintech companies * Flexible working: flexible approach tailored to each role. Hybrid roles require three days in-office weekly; fully remote roles include regular opportunities for in-person connection through socials and off-sites * Socials & connection: opportunities and events to come together, socialise, and get to know each other beyond the office walls * Health coverage: support for your physical and mental wellbeing, including private health cover * Retirement & savings: long-term financial wellbeing through retirement savings plans * Employee referral programme: earn a competitive bonus when you refer successful new team members * Office meals & snacks: enjoy a fully stocked kitchen, plus complimentary lunches prepared by in-house chefs on in-office days at select locations * Sustainable commuting: cycle-to-work and electric vehicle salary sacrifice schemes available in select locations Please note: The availability and details of specific benefits vary by location and role. For more information, please speak to your Talent Partner. Check out our blog!