Financial Crime Specialist – Transaction Monitoring / SARs - Hybrid

Our Story

Hello there. We’re Zopa.

We started our journey back in 2005, building the first ever peer-to-peer lending company. Fast forward to 2020 and we launched Zopa Bank. 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. Our vision for a new era of banking puts people front and centre — we’ve built a business that empowers everyone to aim high, every day, to move finance forward. Find out more about our fantastic offerings at Zopa.com! 

We’re incredibly proud of our achievements and none of it would be possible without the amazing team here. It’s not just industry awards we’re winning, we’ve also been named in the top three UK’s Most Loved Workplaces. 

If you embrace unconventional challenges, are unafraid to think differently and are driven to make an outsized impact, you’ll thrive here at Zopa, so join us, and make it count. Want to see us in action? Follow us on Instagram @zopalife

Job role:

We are seeking a detail-oriented and highly motivated Transaction Monitoring Agent to join our Financial Crime Operations team. The successful candidate will be responsible for monitoring and analysing financial transactions to detect and prevent suspicious activity related to money laundering, fraud, and other financial crimes.

This role requires a strong understanding of financial regulations, excellent analytical skills, and the ability to work effectively within a fast-paced, team-oriented environment. 

Working hours:

This is a hybrid role – the team works in the office on Tuesdays and Thursdays. 

Your working week will consist of 7.5-hour shifts between 8 am and 8 pm, Monday to Friday, and you will be required to work one day of the weekend every other week, remotely. If you work a day at the weekend, you will receive a day off during the week. 

• Mule Alerts Investigation: Investigate Mule alerts raised through transaction monitoring systems.
• Transaction Monitoring: Review and analyse customer transactions for suspicious activity, including money laundering, fraud, and terrorist financing.
• Escalation: Escalate suspicious transactions for further investigation, ensuring compliance with legal and regulatory obligations.
• SAR Preparation: Prepare, complete, and submit Suspicious Activity Reports (SARs) accurately and promptly.
• Investigation Tracking: Track the status of ongoing investigations and SAR filings, ensuring all are documented for audit purposes.
• Audit Support: Support internal and external audits related to suspicious activity investigations.
• Reporting: Prepare detailed investigation reports, outlining findings, actions, and recommendations.
• Documentation: Maintain accurate records of monitored transactions and investigations for regulatory reviews.
• Regulatory Compliance: Ensure compliance with UK regulations, including the FCA, POCA, and MLR.
• Regulatory Updates: Stay updated with changes in financial crime regulations and industry best practices.
• Collaboration: Collaborate with teams across Financial Crime Operations, Compliance, Risk, and Forensics to support fraud prevention efforts.
• Customer Communication: Handle phone-based customer interactions, providing support and ensuring high levels of customer service.

• Previous experience in a financial crime, fraud, or transaction monitoring role within the banking or financial services industry .
• Strong knowledge of UK financial crime regulations, including the Proceeds of Crime Act (POCA), the Money Laundering Regulations (MLR), and Financial Conduct Authority (FCA) guidelines.
• Familiarity with transaction monitoring systems.
• Strong analytical and investigative skills with 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.
• Proficiency with Microsoft Office Suite (Excel, Word, Outlook) and related tools.
• Highly organised and methodical with the ability to handle complex investigations.
• Strong decision-making ability and confidence in escalating issues when necessary.
• Desirable: ACAMS (Association of Certified Anti-Money Laundering Specialists) certification or equivalent ICA qualification, and experience in a similar role within a regulated UK financial institution.

We're on the move! 

Towards the end of 2025 Zopa will be relocating to a brand-new headquarters at 20 Water Street in Canary Wharf. The 44,000 square foot workspace will foster collaboration and inspire creativity for our 900 employees amidst our 2025 growth blitz.

At Zopa we value flexible ways of working.

We value face-to-face collaboration and a good work-life balance. This hybrid role requires you to come to our London office 2 days a week.

You'll also have the option of working from abroad for up to 120 days a year!* But no matter where you are, we’ll make sure you’ve got everything you need to thrive, both in your work and home life, from day one.

*Subject to having the right to work in the country of choice

Diversity Statement

Zopa is proud to offer a workplace free from discrimination. Diversity of experience, perspectives, and backgrounds leads to better products for our customers and a unique company culture for our people. We are made up of nearly 50 nationalities, have a DE&I forum made up of Zopians wanting to make a difference and we are proud of our culture where everyone can bring their full self to work. Our approach to DE&I is reflected in our hiring process so please let us know if you require any reasonable adjustments. 

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