Fraud Investigator, Overnight Team

🚀 We’re on a mission to make money work for everyone.

We’re waving goodbye to the complicated and confusing ways of traditional banking.

After starting as a prepaid card, our product offering has grown a lot in the last 10 years in the UK. As well as personal and business bank accounts, we offer joint accounts, accounts for 16-17 year olds, a free kids account and credit cards in the UK, with more exciting things to come beyond. Our UK customers can also save, invest and combine their pensions with us. 

With our hot coral cards and get-paid-early feature, combined with financial education on social media and our award winning customer service, we have a long history of creating magical moments for our customers!

We’re not about selling products - we want to solve problems and change lives through Monzo ❤️

📍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  + Benefits

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...

• Communicating to other banks about potential fraudsters in their customer base
• Communicating to other banks about potential fraudsters in Monzo’s customer base
• Communicating to and from CIFAS about potential fraudsters in Monzo’s customer base
• Liaising with law enforcement about crime we discover as part of our investigations
• Working cases of unauthorised card fraud, Unauthorised faster payment fraud, Authorised card payment fraud, Authorised faster payment fraud, Third party account takeover attempts
• Please note, as part of your role you will be required to make outbound calls to help prevent customers falling victim to scams.

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. 

• Communication to other banks about potential fraudsters in their customer base
• Communication with law enforcement about crime we discover as part of our investigations
• Unauthorised card fraud
• Unauthorised faster payment fraud
• Authorised card payment fraud
• Authorised faster payment fraud
• Third party account takeover attempts
• Please note, as part of your role you will be required to make outbound calls
• Investigate claims with empathy and attention to detail
• Investigating and reporting fraud to other banks when our customers have been a victim of fraud
• Triaging and taking initial action on inbound communications from a range of institutions
• Creating and actioning indemnities and defunds where needed
• Probing for further evidence where needed
• Making decisions on cases and uphold or decline fraud claims
• Submitting accounts for closure where first party concerns are held following investigation (in line with relevant guidance)
• Safeguarding compromised accounts and taking appropriate remedial action to ensure customers can resume safe usage of their Monzo account
• Providing advice and support to victims of fraud on how they can protect themselves in the future
• Completing any post-investigation activity as required
• Gathering evidence from flagged transaction data
• Independently make decisions on cases and release or block flagged transactions
• Collaboratively make decisions on cases and release or block flagged transactions
• Reviewing limit increase requests from customers

🤩 We’d love to hear from you if…

• You have excellent English written & verbal communication skills
• You have previous experience in Fraud, banking/financial services or a related field
• You have the ability to be persuasive and empathetic
• You have Strong expertise in investigating, problem solving and decision making
• You have the ability to work well independently & be collaborative with the wider team
• You can work to deadlines
• You have a values driven approach in line with Monzo’s core values

🙌 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 benefits

🌈 The application journey has 3 key steps:

• CV and application questions
• A call with a Recruiter
• A values and technical interview with the team

We have some guidelines on using Artificial Intelligence (AI) to ace an application and interview at Monzo. You can read them here.

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

Equal opportunities for everyone

Diversity and inclusion are a priority for us and we’re making sure we have lots of support for all of our people to grow at Monzo. At Monzo, we’re embracing diversity by fostering an inclusive environment for all people to do the best work of their lives with us. This is integral to our mission of making money work for everyone. You can read more in our blog, 2026 Diversity and Inclusion Report and 2025 Gender Pay Gap Report.

We’re an equal opportunity employer. All applicants will be considered for employment without attention to age, ethnicity, religion, sex, sexual orientation, gender identity, family or parental status, national origin, or veteran, neurodiversity or disability status.

If you have a preferred name, please use it to apply. We don't need full or birth names at application stage 😊