Review and analyse customer transactions to identify potentially suspicious activity, including money laundering, fraud, terrorist financing and other typologies
Investigate flagged transactions across the Zopa suite of products using transaction monitoring systems and assess their potential risk
Investigating Mule alerts that are raised through transaction monitoring
Escalate suspicious activity for further investigation, ensuring compliance with legal and regulatory obligations
Use AI-enabled monitoring tools as part of day-to-day transaction monitoring activity. Review and assess AI-generated alerts and recommendations, applying analyst judgement to support accurate decision-making
Use insights from AI outputs to support investigations, identify potential risks or patterns, and escalate findings in line with agreed procedures
Share observations to support the ongoing improvement of monitoring tools and controls
Prepare detailed investigation reports outlining findings, actions taken, and recommendations
Maintain accurate records of monitored transactions and investigations to support audit requirements and regulatory reviews
The successful candidate will be required to handle both inbound and outbound phone-based & chat-based interactions with customers as part of their daily responsibilities. This includes engaging with customers, addressing inquiries, and providing support or assistance to customer contacting regarding suspended accounts

Experience in a financial crime, ideally in a transaction monitoring role within the banking or financial services industry (preferred)
Ideally, experience leveraging AI tools to support financial crime investigations and produce high-quality investigative summaries, while maintaining strong analytical judgement and regulatory awareness
Demonstrated ability to critically assess AI-generated case summaries, applying professional judgement to support sound case decisions while ensuring full regulatory and policy compliance
Strong knowledge of UK financial crime regulations, including the Proceeds of Crime Act (POCA), the Money Laundering Regulations (MLR), and the Financial Conduct Authority (FCA) guidelines
Familiarity with transaction monitoring systems
Strong analytical and investigative skills with a keen attention to detail
Excellent written and verbal communication skills to produce clear, concise reports and communicate with stakeholders
Ability to work under pressure and manage competing priorities in a fast-paced environment
Strong understanding of banking products and services, including payments, savings, and investment transactions
A proactive approach to problem-solving and continuous learning
Ability to work under pressure and manage multiple high-priority tasks simultaneously

Financial Crime Specialist – Transaction Monitoring, Mule

Key skills