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Zopa is a fintech bank founded in 2005 as the first peer-to-peer lending platform, now operating as a full retail bank. This role is central to Zopa's financial crime operations, combining investigative expertise with AI-enabled monitoring tools.
As a Financial Crime Specialist, you will investigate complex transaction monitoring alerts across Zopa's products, identifying activity linked to money laundering, fraud, terrorist financing and other financial crime typologies. You will take ownership of cases from investigation through to decision, using contextual analysis, linked-account insights and appropriate risk mitigation. Your responsibilities include making timely, proportionate and well-evidenced decisions, including account restrictions and escalations where required, and escalating suspicious activity in line with internal procedures and relevant legal and regulatory obligations.
A key aspect of this role is assuring AI and strengthening controls. You will use AI-enabled monitoring tools in day-to-day casework, critically assessing alerts, summaries and recommendations rather than accepting outputs at face value. You will assess whether AI-led decisions and customer journeys are delivering the right financial crime and customer outcomes, identifying and escalating quality, risk or control concerns. You will share insights from investigations to help improve monitoring rules, AI performance, customer questioning and operational controls.
You will maintain clear, accurate investigation records and rationales, documenting evidence considered, decisions made and risks mitigated. You will handle inbound and outbound telephone and chat conversations with professionalism and empathy, including sensitive conversations with customers whose accounts have been suspended. You will collaborate across Financial Crime, Fraud, Customer Support, Product and Risk to progress investigations, resolve issues and improve customer outcomes.
Working pattern: This is a hybrid role requiring 3 days per week in the Manchester office (WeWork, Dalton Place). You will work 7.5-hour shifts between 8am and 8pm, Monday to Friday. You will also work one full weekend every four weeks, working remotely from 9am to 5:30pm, with weekdays off in lieu. Some bank holiday working will be required throughout the year, with time off in lieu provided. You have the option of working from abroad for up to 120 days per year, subject to having the right to work in the country of choice.
REQUIREMENTS:
- Proven experience investigating complex Transaction Monitoring and/or mule activity cases end to end, including making alert decisions and escalating suspicious activity where appropriate
- Strong interest in technology-led environments, with understanding of how AI can support day-to-day decision-making and improve outcomes
- Sound understanding of UK financial crime requirements, including POCA, the Money Laundering Regulations and FCA expectations
- Strong analytical judgement, with ability to interpret complex information, identify relevant risks and produce clear, evidence-based rationales
- Confidence in challenging AI-generated summaries, recommendations and decisions, while taking accountability for the final outcome
- Excellent written and verbal communication skills, including ability to handle sensitive customer conversations with care and professionalism
- Ability to manage competing priorities in a fast-paced environment without compromising decision quality or control standards
- Good understanding of retail banking products, including payments, savings and investment transactions
DESIRABLE:
- Experience investigating complex mule activity, linked-account networks and suspicious payment behaviour
- Experience using AI-enabled tools to support financial crime investigations or operational decisioning
- ACAMS, ICA or equivalent financial crime qualification
