Financial Crime Specialist – Transaction Monitoring

Overview

As a Financial Crime Specialist at Zopa, you protect customers by investigating complex transaction monitoring activity and making well-evidenced decisions. You work at the intersection of human judgement and AI-enabled tools to keep controls effective and customer-focused. You’ll own intricate cases end-to-end, escalate where needed, and help improve monitoring rules and AI performance. This role sits within a forward-looking team shaping how financial crime is managed at Zopa, in a hybrid setup with close cross-functional collaboration.

Pay / Benefits

• hybrid work model
• 1 day per week in London office
• option to work from abroad up to 120 days a year
• time off in lieu for bank holidays
• employee-focused culture
• diversity and inclusion initiatives

Responsibilities

• Investigate and make risk-based decisions on transaction monitoring alerts across Zopa products
• Own complex cases from investigation to decision, using contextual analysis and risk mitigation
• Escalate suspicious activity in line with procedures and regulatory obligations
• Assess and challenge AI-generated outputs; ensure AI-led decisions deliver proper outcomes
• Share insights to improve monitoring rules, AI performance, and operational controls
• Maintain clear, evidence-based investigation records and rationales
• Handle customer conversations with professionalism and empathy, including suspended accounts
• Collaborate with Financial Crime, Fraud, Customer Support, Product and Risk to advance investigations and outcomes

Key requirements

• Proven experience investigating complex transaction monitoring or mule activity end-to-end
• Interest in technology-enabled environments and understanding of AI’s role in decision-making
• Solid knowledge of UK financial crime requirements (POCA, Money Laundering Regulations, FCA expectations)
• Strong analytical judgement with ability to interpret complex information and produce evidence-based rationales
• Confidence in challenging AI-generated outputs while owning the final outcome
• Excellent written and verbal communication skills, including handling sensitive customer conversations
• Ability to manage competing priorities in a fast-paced setting without compromising quality
• Good understanding of retail banking products (payments, savings, investments)

• Analytical thinking
• Clear written and verbal communication
• Empathy in customer interactions
• AI-enabled monitoring tools
• Transaction Monitoring systems
• Risk assessment and decisioning

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