Financial Crime Specialist – Transaction Monitoring
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Posted: 10/20/2026Financial Crime Specialist – Transaction Monitoring
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Role fitCore Competencies
Use this summary to align your resume positioning with the role.
Demonstrates expertise in investigating complex Transaction Monitoring cases and making informed decisions based on risk analysis and regulatory compliance. Proficient in utilizing AI-enabled tools to enhance decision-making and operational efficiency while maintaining high standards of communication and customer care.
Highest-signal resume keywords
Transaction Monitoring InvestigationFinancial Crime AnalysisAI-Enabled Decision MakingUK Financial Crime RegulationsAnalytical Judgement
About the role
Key responsibilities & impact- Investigate and make risk-based decisions on Transaction Monitoring alerts across Zopa products
- Identify activity linked to money laundering, fraud, terrorist financing and other financial crime typologies
- Own complex cases from investigation through decision using contextual analysis, linked-account insights and risk mitigation
- Make timely, proportionate and well-evidenced decisions, including account restrictions and escalations
- Escalate suspicious activity in line with internal procedures and legal and regulatory obligations
- Use AI-enabled monitoring tools and critically assess alerts, summaries and recommendations
- Identify and escalate AI quality, risk or control concerns
- Share investigation insights to improve monitoring rules, AI performance, customer questioning and operational controls
- Maintain clear investigation records and rationales
- Handle inbound and outbound telephone and chat conversations, including with customers whose accounts have been suspended
- Collaborate with Financial Crime, Fraud, Customer Support, Product and Risk teams
- Work 7.5-hour shifts between 8am and 8pm Monday to Friday
- Work one full weekend every four weeks remotely from 9am to 5:30pm, with weekdays off in lieu
- Work some bank holidays throughout the year, with time off in lieu
Requirements
What you’ll need- Proven experience investigating complex Transaction Monitoring and/or mule activity cases end to end, including making alert decisions and escalating suspicious activity where appropriate
- Strong interest in technology-led environments, with an understanding of how AI can support day-to-day decision-making and improve outcomes
- Sound understanding of UK financial crime requirements, including POCA, the Money Laundering Regulations and FCA expectations
- Strong analytical judgement and ability to interpret complex information, identify relevant risks and produce clear, evidence-based rationales
- Confidence in challenging AI-generated summaries, recommendations and decisions while taking accountability for the final outcome
- Excellent written and verbal communication skills, including ability to handle sensitive customer conversations with care and professionalism
- Ability to manage competing priorities in a fast-paced environment without compromising decision quality or control standards
- Good understanding of retail banking products, including payments, savings and investment transactions
- ACAMS, ICA or an equivalent financial crime qualification (desirable)
Benefits
Comp & perks- Hybrid working with 3 days per week in the office
- Option to work from abroad for up to 120 days a year, subject to having the right to work in the country of choice
- Remote weekend working every four weeks with weekdays off in lieu
- Time off in lieu for bank holidays worked
- Dog-friendly office
- Workplace free from discrimination
- Reasonable adjustments available during the hiring process
ATS Keywords
✓ Tailor your resumeApplicant Tracking System Keywords
Tip: use these terms in your resume and cover letter to boost ATS matches.
Hard Skills
Risk-Based Decision MakingComplex Case InvestigationAlert Decision MakingEvidence-Based Rationale ProductionFinancial Crime Typologies IdentificationContextual AnalysisAccount Restriction ManagementEscalation ProceduresMonitoring Rules ImprovementRetail Banking Product Knowledge
Soft Skills
Excellent Communication SkillsCustomer SensitivityCompeting Priorities ManagementProfessionalismAnalytical Thinking
Tools & Technologies
AI Monitoring ToolsTransaction Monitoring Systems
Certifications & Qualifications
ACAMSICA
Industry Keywords
Money Laundering RegulationsPOCAFCA ExpectationsFraud DetectionTerrorist Financing