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

O ur 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