Fraud Investigator, Part Time Team

Cardiff, London or Remote (UK) · Remote (UK) · 16-17 years experience · Remote · Posted Sep 29, 2026

At a glance

As a Fraud Investigator within our Prevent pillar, you will be at the absolute frontline of our mission to earn and keep our customers’ trust while building a safer society.
Your primary focus is providing vital, real-time intervention for customers facing active fraud attempts, specifically managing risks across authorised card and faster payment channels.

Gather and analyse evidence from flagged transaction data to identify active fraud attempts.
Make confident, independent—and at times collaborative—decisions to either release or block suspicious transactions.
Use Monzo’s values to investigate suspicious activity via phone and chat, balancing professional curiosity with deep empathy.
Support and reassure customers during active fraud scares, securing compromised accounts and taking remedial action so they can resume safe banking.
Effectively triage incoming cases and review customer limit increase requests to mitigate potential risk.
Where investigations reveal first-party concerns, manage the account closure process in strict accordance with internal guidance.
Empower victims of fraud by providing tailored advice on how to protect themselves from future threats.
Complete all necessary post-investigation activity with high attention to detail to ensure a clean audit trail.

You enjoy a telephony role as this forms the core part of being a successful investigator.
You bring experience from Banking, Financial Services (e.g., FOS, HMRC), or have a Law Enforcement background.
Investigative Rigour: The ability to probe deeply during an investigation and clearly explain the 'why' behind your final decisions.
You possess excellent English written and verbal skills, with the ability to be persuasive yet empathetic.
You thrive when working autonomously but value being part of a wider, supportive team.
You are genuinely excited about our mission to make money work for everyone and approach your work through the lens of Monzo’s core values.
Exceptional communication skills used to handle difficult customer conversations, particularly when educating victims to 'break the spell' of a scam while remaining firm and professional.
A proactive approach to continuous improvement, consistently seeking out and acting upon feedback to refine your craft.
You bring solutions rather than just highlighting obstacles, providing kind and constructive feedback to your peers to help the collective grow.
The confidence to make firm, independent decisions on complex cases without an excessive reliance on second opinions.

You are a Fraud Specialist is ideal but not necessary as full training will be provided: You are familiar with common fraud typologies and have a strong foundation in investigative problem-solving.

£16,620–£21,360 per year (pro rata, based on 22.5 hours per year)
Incentive Awards tied to your performance
£1,000 learning budget each year to use on books, training courses and conferences
Macbooks provided to all employees
Extra support for work-from-home setup for fully remote workers