Senior Fraud Investigator, EU — English & Spanish Speaking

• Protect Monzo and its customers from fraud as part of the EU Fraud Customer Operations team. • Investigate suspicious transactions, gather evidence from flagged data and customer claim submissions, and safeguard compromised accounts. • Communicate with other banks, CIFAS, and law enforcement about fraud discovered as part of investigations. • Fluent in both English and Spanish — written and verbal — is a requirement. • Fully remote within the UK; start date 28 September 2026.

• Strong English written and verbal communication skills. • Fluent in Spanish, both written and verbal. • Understanding of fraud and ability to handle all typologies of fraud to reach resolutions for customers. • Significant experience identifying trends and delivering fraud technical training and coaching. • Knowledge of fraud prevention policy and regulations in both the UK and the EU, and associated financial crime risks. • Strong team player, able to work effectively as part of a technical team. • Able to provide actionable, specific feedback to a wide range of audiences and levels.

• Experience communicating with law enforcement or regulatory bodies such as CIFAS on financial crime matters. • Background working in fintech or digital banking fraud operations. • Familiarity with additional European languages relevant to EU customer markets.

• Gather evidence from flagged transaction data and customer claim submissions, probing further where needed. • Investigate the nature of suspicious transactions with empathy and attention to detail. • Reassure and support customers through the process of identifying active fraud. • Safeguard compromised accounts and take appropriate remedial action to ensure customers can resume safe usage. • Advise and support victims of fraud on how to protect themselves in the future. • Communicate with other banks about potential fraudsters in their or Monzo's customer base. • Liaise with CIFAS and law enforcement about financial crime discovered during investigations. • Submit accounts for closure where first-party concerns are identified following investigation.

We have been Monzo customers for years and have always loved their beautiful, simple app UI. We believe their product has a positive impact on millions of customers, motivating them to be more conservative with their spending and helping them save money. Monzo, as a company, has consistently grown over the past 10 years and is known for its strong company culture, generous benefits, and leadership that strives to be truly transparent and cares about its colleagues. It is a company that helps you advance your career and grow as a professional, working with great teams. If you like to join a thriving, upcoming bank and help millions of customers lead a financially sound life, Monzo gives you the opportunity to push ahead.

• Salary of £31,100–£39,250 plus a £2,500 Multilingual Premium and performance-based incentive awards. • £1,000 learning budget each year for books, training courses, and conferences. • Birthday time off guaranteed if it falls on a scheduled working day outside training. • Fully remote within the UK.

Monzo is on a mission to make money work for everyone, building a bank people actually love. Its EU Fraud Customer Operations team is at the heart of how Monzo protects customers from fraud, combining empathy with rigorous investigation to support customers through some of their most stressful financial moments.