FRAUD INVESTIGATOR, OVERNIGHT TEAM

Monzoreferrals

mid€27,700-33,600/year

Job description

📍Remote in the UK | 💰 £27,700 - £33,600 + Early evening allowance or Late Evening Allowance depending on your start time of £2503.00 (early) per year or £5006.00 (late) per year. Incentive Awards tied to your performance +<a href="https://monzo.com/careers/"> Benefits</a> Working 37.5 hours per week, 5pm - 1:30am Monday - Sunday, 1 in 3 weekend rotation. Working 37.5 hours per week, 9pm - 5:30am Monday - Sunday, 1 in 3 weekend rotation. Start date - Monday 23rd November 2026 Our Financial Crime & Fraud Team ⭐️: Our Mission in the Financial Crime & Fraud Collective is to earn and keep our customers’ trust, support Monzo’s safe growth, and contribute to building a safer society. Our Fraud Investigators are crucial to the success of this mission. Fraud Investigator role within our overnight pillar is broken into 3 parts of Fraud, Pursue which facilitates and acts on vital communication between Monzo and other institutions; helping us to prevent the loss of funds to fraudsters both within Monzo and across the industry. This communication falls into three main categories: The second part is within our Protect pillar which provides vital after-care to Monzo customers who have fallen victim to value fraud across a range of touch points, including: The third is within our Prevent pillar which provides vital intervention and response to Monzo customers who are experiencing potential active fraud attempts on their funds across two main channels: 🔑 You’ll play a key role by... <ul> <li>Communicating to other banks about potential fraudsters in their customer base</li> <li>Communicating to other banks about potential fraudsters in Monzo’s customer base</li> <li>Communicating to and from CIFAS about potential fraudsters in Monzo’s customer base</li> <li>Liaising with law enforcement about crime we discover as part of our investigations</li> <li>Working cases of unauthorised card fraud, Unauthorised faster payment fraud, Authorised card payment fraud, Authorised faster payment fraud, Third party account takeover attempts</li> <li>Please note, as part of your role you will be required to make outbound calls to help prevent customers falling victim to scams.</li> </ul> Your day to day: Fraud Investigators within our Fraud pillars work to a mixture of regulated and unregulated deadlines. Their role supports the quality of performance and knowledge across the pillar. <ul> <li>Communication to other banks about potential fraudsters in their customer base</li> <li>Communication with law enforcement about crime we discover as part of our investigations</li> <li>Unauthorised card fraud</li> <li>Unauthorised faster payment fraud</li> <li>Authorised card payment fraud</li> <li>Authorised faster payment fraud</li> <li>Third party account takeover attempts</li> <li>Please note, as part of your role you will be required to make outbound calls</li> <li>Investigate claims with empathy and attention to detail</li> <li>Investigating and reporting fraud to other banks when our customers have been a victim of fraud</li> <li>Triaging and taking initial action on inbound communications from a range of institutions</li> <li>Creating and actioning indemnities and defunds where needed</li> <li>Probing for further evidence where needed</li> <li>Making decisions on cases and uphold or decline fraud claims</li> <li>Submitting accounts for closure where first party concerns are held following investigation (in line with relevant guidance)</li> <li>Safeguarding compromised accounts and taking appropriate remedial action to ensure customers can resume safe usage of their Monzo account</li> <li>Providing advice and support to victims of fraud on how they can protect themselves in the future</li> <li>Completing any post-investigation activity as required</li> <li>Gathering evidence from flagged transaction data</li> <li>Independently make decisions on cases and release or block flagged transactions</li> <li>Collaboratively make decisions on cases and release or block flagged transactions</li> <li>Reviewing limit increase requests from customers</li> </ul> 🤩 We’d love to hear from you if… <ul> <li>You have excellent English written & verbal communication skills</li> <li>You have previous experience in Fraud, banking/financial services or a related field</li> <li>You have the ability to be persuasive and empathetic</li> <li>You have Strong expertise in investigating, problem solving and decision making</li> <li>You have the ability to work well independently & be collaborative with the wider team</li> <li>You can work to deadlines</li> <li>You have a values driven approach in line with Monzo’s core values</li> </ul> 🙌 What’s in it for you 💰 £27,700 - £33,600 base salary ➕ Incentive Awards tied to your performance ➕Early or Late Evening Allowance depending on your start time of £2503.00 (early) per year or £5006.00 (late) per year 📚£1,000 learning budget each year to use on books, training courses and conferences. 🏡We will set you up to work from home; all employees are given MacBooks and for fully remote workers we will provide extra support for your work-from-home setup. ➕ Plus lots more! Read our full list of<a href="https://monzo.com/careers"> benefits</a> 🌈 The application journey has 3 key steps: <ul> <li>CV and application questions</li> <li>A call with a Recruiter</li> <li>A values and technical interview with the team</li> </ul> We have some guidelines on using Artificial Intelligence (AI) to ace an application and interview at Monzo. <a href="https://monzo.com/blog/the-ultimate-guide-on-using-ai-to-ace-an-interview-at-monzo">You can read them here.</a> Please note we will only close this role once we have enough applications for the next stages. Please submit your application asap to avoid any disappointment. #LI-REMOTE #LI-DR