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Salary: GBP 27,700 - 33,600 / annual
Monzo's Financial Crime & Fraud team is seeking a Fraud Investigator to join the overnight shift (5pm–1:30am or 9pm–5:30am, Monday–Sunday with 1-in-3 weekend rotation). This role is central to Monzo's mission to earn and keep customer trust while supporting safe growth and contributing to a safer financial ecosystem.
You will work across three core pillars: Pursue (inter-institutional communication to prevent fraud loss), Protect (after-care for fraud victims), and Prevent (intervention on active fraud attempts). Your responsibilities include investigating and resolving fraud cases with empathy and attention to detail, communicating with other banks and law enforcement about suspected fraudsters, liaising with CIFAS, and making decisions on fraud claims (uphold/decline). You'll handle multiple fraud types: unauthorised card fraud, unauthorised faster payment fraud, authorised card payment fraud, authorised faster payment fraud, and third-party account takeover attempts.
Day-to-day activities involve triaging inbound communications from financial institutions, creating and actioning indemnities and defunds, probing for additional evidence, submitting accounts for closure where warranted, and making outbound calls to customers to prevent scam victimization. You'll work to a mix of regulated and unregulated deadlines, supporting quality and knowledge across the fraud pillar. This is an individual contributor role requiring strong investigative skills, regulatory knowledge, and customer empathy in a fast-paced financial crime environment.
