Fraud Investigator, Overnight Team

📍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.

Originally posted on Himalayas