# Financial Crime Specialist - Transaction Monitoring

**Company**: Zopa
**Location**: London
**Work arrangement**: hybrid
**Experience**: senior
**Job type**: Employee - Permanent
**Category**: Finance
**Industry**: Finance

**Apply**: https://jobs.lever.co/zopa/fe6011a4-5b7b-481c-a759-84432685d245?utm_source=yubhub.co&utm_medium=jobs_feed&utm_campaign=apply
**Canonical**: https://yubhub.co/jobs/job_563a29c4-6a6

## Description

We’re Zopa, a bank that listens to what our customers don’t like about finance and does the opposite. We’re redefining what it feels like to work in finance.

As a Financial Crime Specialist, you will protect Zopa and its customers by investigating complex transaction monitoring activity, making clear and well-evidenced decisions, and escalating suspicion appropriately.

**Responsibilities**

- Investigate and make risk-based decisions: Review and investigate Transaction Monitoring alerts across Zopa products, identifying activity linked to money laundering, fraud, terrorist financing and other relevant financial crime typologies.

- Take ownership of complex cases from investigation through to decision, using contextual analysis, linked-account insights and appropriate risk mitigation.

- Make timely, proportionate and well-evidenced decisions, including account restrictions and escalations where required.

- Escalate suspicious activity in line with internal procedures and relevant legal and regulatory obligations.

**Assure AI and strengthen our controls**

- Use AI-enabled monitoring tools in your day-to-day casework, critically assessing alerts, summaries and recommendations rather than accepting outputs at face value.

- Assess whether AI-led decisions and customer journeys are delivering the right financial crime and customer outcomes, identifying and escalating quality, risk or control concerns.

- Share insights from investigations to help improve monitoring rules, AI performance, customer questioning and operational controls.

**Deliver strong customer and operational outcomes**

- Maintain clear, accurate investigation records and rationales, documenting the evidence considered, decisions made and risks mitigated.

- Handle inbound and outbound telephone and chat conversations with professionalism and empathy, including conversations with customers whose accounts have been suspended.

- Collaborate across Financial Crime, Fraud, Customer Support, Product and Risk to progress investigations, resolve issues and improve customer outcomes.

**About you**

- Proven experience investigating complex Transaction Monitoring and/or mule activity cases end to end, including making alert decisions and escalating suspicious activity where appropriate.

- A strong interest in technology-led environments, with an understanding of how AI can support day-to-day decision-making and improve outcomes.

- A sound understanding of UK financial crime requirements, including POCA, the Money Laundering Regulations and FCA expectations.

- Strong analytical judgement, with the 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 the ability to handle sensitive customer conversations with care and professionalism.

- The ability to manage competing priorities in a fast-paced environment without compromising decision quality or control standards.

- A good understanding of retail banking products, including payments, savings and investment transactions.

## Skills

### Required
- Transaction Monitoring
- Financial Crime
- AI-enabled tools
- Analytical judgement
- Communication skills
- UK financial crime requirements

### Nice to have
- Experience investigating complex Mule activity
- Experience using AI-enabled tools
- ACAMS, ICA or an equivalent financial crime qualification

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Source: [Apply at jobs.lever.co](https://jobs.lever.co/zopa/fe6011a4-5b7b-481c-a759-84432685d245?utm_source=yubhub.co&utm_medium=jobs_feed&utm_campaign=apply)