Role Description As the Deputy BSA/AML Officer for the USA, you will be a key leader in our 2nd Line of Defense, partnering directly with the US BSA Officer to scale, manage, and safeguard our US financial crimes compliance program. In a fast-paced, hyper-growth fintech environment, you will have significant ownership over program governance, transaction monitoring operations, state regulatory relationships, and banking partner due diligence. You are a pragmatic leader who understands how to balance strict regulatory adherence with operational efficiency and customer-centric outcomes. When the BSA Officer is away, you will step up and deputize for all US regulatory and operational matters. Qualifications - Several years of experience in financial services compliance, specifically within FinTech, Peer-to-Peer (P2P) payments, digital banking, or MSBs (Money Services Businesses). - Strong operational knowledge of AML/CFT regulations, KYC/KYB practices, transaction monitoring, and OFAC/Sanctions filtering. - Exceptional analytical and problem-solving skills with the ability to identify subtle patterns of risk or non-compliance within complex data sets. - Excellent written and verbal communication skills, with a proven ability to deliver objective, objective-driven feedback to diverse, cross-functional teams. - Proficient with specialised AML monitoring systems, case management tools. - CAMS (Certified Anti-Money Laundering Specialist) or CRCM (Certified Regulatory Compliance Manager) designations are highly regarded. Requirements - Act as the primary delegate for the US BSA Officer on all matters relating to FinCEN, state regulators, and banking partners. - Maintain and continuously enhance US-specific AML, BSA, and OFAC/Sanctions policies to ensure they stay robust against evolving financial crime typologies and regulatory updates. - Lead the execution of the annual US BSA/AML and OFAC risk assessment process, providing data-driven insights and control recommendations to senior leadership. - Provide strategic oversight for transaction monitoring, complex case investigations, Enhanced Due Diligence (EDD) for high-risk corridors, and the quality assurance (QA) framework for Suspicious Activity Reports (SARs). - Ensure the timely, accurate, and secure electronic filing of SARs and CTRs with FinCEN, as well as necessary OFAC reporting. - Partner with the Product, Engineering, and Data Analytics teams to design, test, and implement automated controls, risk-scoring matrices, and rules for transaction monitoring systems. - Lead preparations for and coordinate responses to state Money Transmitter License (MTL) examinations, federal audits, and third-party independent reviews. - Own the responses to ongoing banking partner due diligence requests from our US clearing and payout banking partners, showcasing Zepz's strong compliance framework to maintain healthy banking relationships. - Track and drive the remediation of audit findings, internal control gaps, and regulatory issues to prompt closure. Benefits - Unlimited annual leave. - Great healthcare benefits. - Employee discounts.

Role Description 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 ❤️ About our Senior Financial Crime Business Banking Investigator Team: - The Senior Financial Crime Business Banking Investigator team serves as Monzo’s frontline defence against complex economic crime, safeguarding our ecosystem and customers, from startups to established SMEs, against sophisticated fraud and money laundering. - This critical operational team builds deep subject matter expertise to ensure financial integrity across the entire customer lifecycle. - The team is responsible for conducting rigorous onboarding and ongoing compliance checks, unravelling complex financial crime typologies, and directly mitigating risk through thorough investigation, reporting, and account closures. You’ll play a key role by: - Taking ownership of the most complex FinCrime Business Banking tasks, including Enhanced Due Diligence (EDD) for high-risk businesses, Complex Customer Reviews, and multi-jurisdictional money muling investigations. - Writing, reviewing, and submitting high-quality Suspicious Activity Reports (SARs) to the National Crime Agency (NCA), ensuring they meet the highest legal and evidential standards. - Maintaining a regular schedule on core investigative tasks to sustain your competency levels, directly support the domain’s Service Level Agreements (SLAs), and remain connected to frontline challenges. - Actively coaching Investigators on complex financial crime typologies, best practice, and performance improvement to help drive a culture of excellence. - Working closely with our Operations Analysts to share emerging trends and ensure that operational guidance is continuously updated and effectively embedded across the domain. Qualifications - Deep KYB & AML expertise, with significant experience conducting end-to-end business due diligence (KYB/EDD) and complex investigations within a regulated financial setting. - Skilled researcher, with a proven ability to leverage open-source intelligence and analysis to thoroughly corroborate customer profiles and transactional activity. - Strong grasp of UK and international financial crime trends affecting business accounts and the UK SAR regime. - Ability to thrive in a fast-paced environment, maintaining high flexibility and adapting positively to shifting priorities, new guidance, and process changes at short notice. - Impact-driven, with a genuine desire to protect Monzo and its customers by making a tangible difference in the detection and prevention of financial crime. - Leadership and improvement skills, ideally with experience mentoring peers, a track record of escalating process improvements, or a relevant qualification (such as ICA or ACAMS). Requirements - You will work 37.5 hours per week, Monday to Friday, from 9:00am to 5:30pm. - You will also work one full weekend (Saturday and Sunday) once every 4 weeks, with 2 set days in lieu provided when working the weekend shift. - We cannot approve any time off during your first 6 weeks of employment with us due to training. Benefits - Salary range of £31,100 - £39,350 + Incentive Awards tied to your performance. - Guaranteed time off on your birthday if it falls on a scheduled work day (outside of your training period). - This role is fully remote and based within the UK. - A £1,000 annual budget to spend on books, training courses, and conferences. - All employees are provided with MacBooks, and fully remote workers receive extra support for their work-from-home environment. - Plus lots more!

• Own and maintain the Group Financial Crime Compliance framework, policies and standards. • Lead enterprise-wide AML/CFT risk assessments across all jurisdictions. • Define financial crime risk appetite, governance standards and oversight mechanisms. • Drive FCC maturity, audit readiness and remediation programmes. • Oversee higher-risk client and transaction reviews. • Provide guidance on sanctions, PEP, adverse media and financial crime escalations. • Govern transaction monitoring, sanctions screening and ongoing due diligence frameworks. • Review complex investigations and oversee SAR/STR decision-making. • Own transaction monitoring governance, typology development and detection optimisation. • Identify emerging financial crime risks and recommend enhancements to controls and detection capabilities. • Provide oversight of financial crime requirements across sponsor programmes. • Act as a key point of contact for regulators, auditors and external stakeholders on financial crime matters. • Build organisational capability through training, awareness and continuous development.

Role Description Du bist ein Organisationstalent mit einem Blick für Zahlen und einer Leidenschaft für Beratung? In dieser Rolle analysierst du die finanzielle Situation von Privat- und Geschäftskunden, entwickelst maßgeschneiderte Lösungen und baust langfristige Kundenbeziehungen auf. Übernimm Verantwortung, arbeite strukturiert und werde Teil eines starken Teams, das auf Verlässlichkeit, klare Strukturen und nachhaltige Lösungen setzt. - Analyse und Beratung: Du analysierst die finanzielle Situation von Privat- und Geschäftskunden und entwickelst individuelle Finanz- und Vorsorgekonzepte, die perfekt auf ihre Bedürfnisse abgestimmt sind. - Langfristige Kundenbeziehungen: Du baust vertrauensvolle und langfristige Beziehungen zu deinen Kunden auf und bist ihr verlässlicher Ansprechpartner in allen finanziellen Fragen. - Regelmäßige Optimierung: Du überprüfst bestehende Finanzlösungen regelmäßig und passt sie an veränderte Lebenssituationen oder Marktbedingungen an. - Effiziente Dokumentation: Du dokumentierst alle Beratungsgespräche und Ergebnisse strukturiert und sorgst für eine lückenlose Nachverfolgung. - Teamarbeit: Du arbeitest eng mit deinem Team zusammen, um die besten Lösungen für deine Kunden zu finden und gemeinsam Erfolge zu feiern. Qualifications - Abitur oder abgeschlossene kaufmännische Ausbildung oder ein vergleichbarer/höherwertiger Abschluss - Sehr gute Deutschkenntnisse (mind. C1-Niveau oder Muttersprache) - Wohnsitz in Deutschland - Kommunikationsstärke und Freude am Umgang mit Menschen - Zuverlässigkeit, Eigeninitiative und eine strukturierte Arbeitsweise Benefits - Umfassende Einarbeitung inkl. IHK-Abschlüsse im Bereich Finanzberatung & Versicherung - Regelmäßige Weiterbildungen und echte Karriereperspektiven - Flexible Arbeitszeiten und die Möglichkeit, ortsunabhängig zu arbeiten - Attraktives, leistungsorientiertes Vergütungsmodell ohne Einkommensdeckelung - Überdurchschnittliche Verdienstmöglichkeiten mit starkem Wachstumspotenzial – dein Einsatz bestimmt dein Einkommen (deutlich steigendes Einkommen in den ersten Jahren) - Ein starkes Team mit flachen Hierarchien und klaren Strukturen