Zopa | Financial Crime Specialist - Transaction Monitoring

Responsibilities

• 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.
• This role is central to how we’re evolving financial crime at Zopa.
• This is a hybrid role, with 1 day per week in the office.
• You’ll work 7.5-hour shifts between 8am and 8pm, Monday to Friday.
• This hybrid role requires you to come to our London office 1 day per week.
• As a proud partner of Jobs 2030, we're committed to building AI fluency across our workforce, and we expect Zopians to use AI as part of how they do their jobs.
• You will apply sound judgement where automation is not appropriate, ensuring our controls remain effective, proportionate and customer-focused.
• You’ll combine investigative expertise with the assurance of AI-enabled tools, challenging AI outputs, identifying control gaps and helping improve the quality and consistency of decisions across Financial Crime Operations.
• You’ll also work one full weekend every four weeks, working remotely from 9am to 5:30pm, with weekdays off in lieu.
• 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.
• 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.
• 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.
• 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.
• Follow us on Instagram @zopalife
• 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.
• Use AI-enabled monitoring tools in your day-to-day casework, critically assessing alerts, summaries and recommendations rather than accepting outputs at face value.
• Share insights from investigations to help improve monitoring rules, AI performance, customer questioning and operational controls.

Requirements

• Experience investigating complex Mule activity, linked-account networks and suspicious payment behaviour.
• Experience using AI-enabled tools to support financial crime investigations or operational decisioning.
• Proven experience investigating complex Transaction Monitoring and/or mule activity cases end to end, including making alert decisions and escalating suspicious activity where appropriate.
• Strong analytical judgement, with the ability to interpret complex information, identify relevant risks and produce clear, evidence-based rationales.
• Excellent written and verbal communication skills, including the ability to handle sensitive customer conversations with care and professionalism.

Zopa

Zopa is an employer hiring in India (sector: Fintech). In its own words: "Open a Zopa bank account with cashback and interest."

Its finance, accounts, audit and tax openings in India are mostly in London and Manchester.

• Industry: Fintech