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Zopa is a UK-based fintech and digital bank founded in 2005 as the first peer-to-peer lending platform, now operating as a full-service bank. The company has been recognized as one of the UK's Most Loved Workplaces and is known for its customer-centric approach to financial services.
Role Overview:
Join Zopa's Financial Crime Operations team as a Transaction Monitoring Agent. You will be responsible for monitoring and analyzing financial transactions to detect and prevent suspicious activity related to money laundering, fraud, terrorist financing, and other financial crimes. This role combines investigative work with AI-assisted analysis in a fast-paced, regulated environment.
Key Responsibilities:
- Review and analyze customer transactions across Zopa's product suite to identify potentially suspicious activity, including money laundering, fraud, terrorist financing, and other typologies
- Investigate flagged transactions using transaction monitoring systems and assess their potential risk
- Investigate mule alerts raised through transaction monitoring systems
- Escalate suspicious activity for further investigation, ensuring compliance with legal and regulatory obligations
- Use AI-enabled monitoring tools as part of day-to-day activity; review and assess AI-generated alerts and recommendations, applying professional judgment to support accurate decision-making
- Use insights from AI outputs to support investigations, identify potential risks or patterns, and escalate findings in line with agreed procedures
- Share observations to support ongoing improvement of monitoring tools and controls
- Prepare detailed investigation reports outlining findings, actions taken, and recommendations
- Maintain accurate records of monitored transactions and investigations to support audit requirements and regulatory reviews
- Handle both inbound and outbound phone-based and chat-based interactions with customers, including addressing inquiries and providing support regarding suspended accounts
Working Pattern:
This is a hybrid role requiring 3 days per week in the Manchester office. Standard working week consists of 7.5-hour shifts between 8 am and 8 pm, Monday to Friday. You will be required to work one day of the weekend every other week, remotely, with a corresponding weekday off in exchange. Several bank holidays per year must be worked, with time in lieu provided. The company offers flexible working arrangements, including the option to work from abroad for up to 120 days per year (subject to right to work).
Requirements:
- Experience in financial crime, ideally in a transaction monitoring role within banking or financial services industry (preferred)
- Experience leveraging AI tools to support financial crime investigations and produce high-quality investigative summaries, while maintaining strong analytical judgment and regulatory awareness (preferred)
- Demonstrated ability to critically assess AI-generated case summaries, applying professional judgment to support sound case decisions while ensuring full regulatory and policy compliance
- Strong knowledge of UK financial crime regulations, including the Proceeds of Crime Act (POCA), Money Laundering Regulations (MLR), and Financial Conduct Authority (FCA) guidelines
- Familiarity with transaction monitoring systems
- Strong analytical and investigative skills with keen attention to detail
- Excellent written and verbal communication skills to produce clear, concise reports and communicate with stakeholders
- Ability to work under pressure and manage competing priorities in a fast-paced environment
- Strong understanding of banking products and services, including payments, savings, and investment transactions
- Proactive approach to problem-solving and continuous learning
- Ability to manage multiple high-priority tasks simultaneously
