---
title: 'Financial Crime Specialist - Transaction Monitoring at Zopa'
canonical: 'https://feeny.ai/job/financial-crime-specialist-transaction-monitoring-zopa-manchester-kkj9nespfzmk'
type: 'job'
last_seen: '2026-09-13'
---

# Financial Crime Specialist - Transaction Monitoring at Zopa

- **Company:** Zopa
- **Location:** Manchester
- **Work type:** hybrid
- **Posted:** 2026-08-27
- **Last confirmed live:** 2026-09-13
- **Apply:** https://jobs.lever.co/zopa/44d4cfd9-77cf-4460-901f-021f621f0cf8

## Job description

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 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 Pattern: This is a hybrid role – the team works in the office 3 days a week. 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. The role also requires several bank holidays to be worked a year, with any bank holidays worked given back as time in lieu.

A day in the life:

- Transaction Monitoring: Review and analyse customer transactions to identify potentially suspicious activity, including money laundering, fraud, terrorist financing and other typologies.
- Investigate flagged transactions across the Zopa suite of products using transaction monitoring systems and assess their potential risk.
- Investigating Mule alerts that are raised through transaction monitoring.
- Escalate suspicious activity for further investigation, ensuring compliance with legal and regulatory obligations.
- Use AI-enabled monitoring tools as part of day-to-day transaction monitoring activity. Review and assess AI-generated alerts and recommendations, applying analyst judgement to support accurate decision-making.
- Use insights from AI outputs to support investigations, identify potential risks or patterns, and escalate findings in line with agreed procedures.
- Share observations to support the ongoing improvement of monitoring tools and controls.
- Reporting & Documentation: Prepare detailed investigation reports outlining findings, actions taken, and recommendations.
- Maintain accurate records of monitored transactions and investigations to support audit requirements and regulatory reviews.
- Communication: The successful candidate will be required to handle both inbound and outbound phone-based & chat-based interactions with customers as part of their daily responsibilities. This includes engaging with customers, addressing inquiries, and providing support or assistance to customer contacting regarding suspended accounts. Strong communication skills and the ability to manage phone calls effectively are essential for this role.

About you:

- Experience in a financial crime, ideally in a transaction monitoring role within the banking or financial services industry (preferred).
- Ideally, experience leveraging AI tools to support financial crime investigations and produce high-quality investigative summaries, while maintaining strong analytical judgement and regulatory awareness.
- Demonstrated ability to critically assess AI-generated case summaries, applying professional judgement to support sound case decisions while ensuring full regulatory and policy compliance.
- Strong knowledge of UK financial crime regulations, including the Proceeds of Crime Act (POCA), the Money Laundering Regulations (MLR), and the Financial Conduct Authority (FCA) guidelines.
- Familiarity with transaction monitoring systems.
- Strong analytical and investigative skills with a 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.
- A proactive approach to problem-solving and continuous learning.
- Ability to work under pressure and manage multiple high-priority tasks simultaneously.

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 Manchester office 3 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.

## #LI-LH1

## About Zopa

## Company Overview
- **One-liner**: Zopa is a UK digital-first bank offering savings, loans, credit cards, car finance, and the Biscuit current account, built around a mission to make money work better for customers. [zopa.com](https://www.zopa.com/)
- **Entity Type**: Private (Privately Held; 21 funding rounds to date) [linkedin.com](https://linkedin.com/company/zopabank)
- **Headquarters**: London, United Kingdom (20 Water Street, London E14 9QG; also an office in Manchester) [linkedin.com](https://linkedin.com/company/zopabank)
- **Founded**: 2005 [zopa.com](https://www.zopa.com/about)
- **Founders**: Richard Duvall, James Alexander, Giles Andrews, David Nicholson, Tim Parlett [linkedin.com](https://linkedin.com/company/zopabank)

## Core Business
- **Primary industries**: Financial Services, Digital Banking, Consumer Lending, Savings [linkedin.com](https://linkedin.com/company/zopabank)
- **Target customers**: B2C consumers in the UK; over 1.5 million customers [zopa.com](https://www.zopa.com/about)
- **Mission or purpose statement**: "To make money work better for our customers" and "create a fairer financial world that makes every penny count for our customers." [careers.zopa.com](https://careers.zopa.com/) [zopa.com](https://www.zopa.com/about)

## Products & Services
- **Biscuit current account**: A free current account launched in 2025, offering interest on balances, cashback on bills, an exclusive savings rate, and easy app-based management. [zopa.com](https://www.zopa.com/about)
- **Smart Saver**: Flexible savings pots with competitive rates. [zopa.com](https://www.zopa.com/)
- **Loans**: Personal loans with low rates and "no hidden catches," applicable in minutes. [zopa.com](https://www.zopa.com/about)
- **Credit card**: App-managed credit card used by 600,000+ customers. [zopa.com](https://www.zopa.com/about)
- **Car finance**: Auto financing options integrated with the Zopa app. [zopa.com](https://www.zopa.com/)
- **Borrowing Power**: In-app tool showing credit score and borrowing potential. [zopa.com](https://www.zopa.com/)
- **Zopa app**: Central hub for bank account, loans, credit card, and savings, supporting Apple Pay and live customer support. [zopa.com](https://www.zopa.com/)

## Market Standing
- **Valuation/Market Cap**: Not disclosed (private company)
- **Key Metric**: Annual revenue of GBP 29.9M; net income of £34.2M (2024); over £13B lent out and £5B in savings managed. [linkedin.com](https://linkedin.com/company/zopabank) [zopa.com](https://www.zopa.com/about)
- **Notable Investors/Partners**: Investors are not publicly named in current sources, but Zopa has completed 21 funding rounds. Regulators include the FCA and PRA; savings are covered by the FSCS. [linkedin.com](https://linkedin.com/company/zopabank) [zopa.com](https://www.zopa.com/)
- **Growth Signals**: Headcount grew 18.5% YoY to 797 employees; monthly job postings up 6.9% and yearly up 158.3%; 31 active job openings; 1.5M total customers; 600,000+ credit card users; launched Biscuit current account in 2025. [linkedin.com](https://linkedin.com/company/zopabank) [zopa.com](https://www.zopa.com/about)

## Competitive Advantages
- **First-mover heritage**: Founded as the world's first peer-to-peer lending company in 2005, with a long track record of lending innovation. [zopa.com](https://www.zopa.com/about)
- **Regulatory moat**: Currently authorised by the PRA and regulated by the FCA, with FSCS deposit protection—giving it the trust of a high-street bank combined with app-based convenience. [zopa.com](https://www.zopa.com/) [zopa.com](https://www.zopa.com/about)
- **Integrated product suite**: A single app covering current account, savings, loans, credit card, and car finance, driving cross-sell and customer stickiness. [zopa.com](https://www.zopa.com/)
- **Customer trust and scale**: Excellent Trustpilot rating from 30,000+ reviews, £13B+ in loans originated, and 1.5M users across the UK. [zopa.com](https://www.zopa.com/about)
- **Award-winning products**: Recognised for its loan, credit card, car finance, and savings offerings. [zopa.com](https://www.zopa.com/about)

## Strategic Focus
- **Digital bank expansion**: Building on the 2025 launch of the Biscuit current account to grow its customer base and daily banking share. [zopa.com](https://www.zopa.com/about)
- **Customer-centric product innovation**: Continuing to develop savings, loans, credit cards, and car finance products that deliver "more dough with less effort." [zopa.com](https://www.zopa.com/)
- **App-led user experience**: Strengthening the app as the primary gateway for all banking and money-management needs. [zopa.com](https://www.zopa.com/)
- **Sustainable growth**: Growing revenue while maintaining strong net income performance (e.g., £34.2M in 2024) and customer trust. [linkedin.com](https://linkedin.com/company/zopabank)

## Why Work Here
- **Culture and values**: Zopa's culture centres on Empowerment, Drive, and Collaboration—supporting employees to innovate, take personal accountability, and grow through personal development initiatives. [careers.zopa.com](https://careers.zopa.com/)
- **Growth environment**: 18.5% headcount growth YoY and a +158% increase in active job postings signal strong scaling. [linkedin.com](https://linkedin.com/company/zopabank)
- **Work-life balance**: Employee reviews on LinkedIn rate work-life balance at 3.7/5, with an overall employer rating of 3.4/5 (527 reviews). [linkedin.com](https://linkedin.com/company/zopabank)
- **Flexibility**: Zopa offers "an environment of high trust, and additional benefits that enable our teams to work in ways that allow them to meet both personal and professional goals." [careers.zopa.com](https://careers.zopa.com/)
- **Professional development**: Emphasis on accelerating "career growth from within" and defining one's own career direction. [careers.zopa.com](https://careers.zopa.com/)
- **Locations**: Positions in London and Manchester, spanning engineering, finance, compliance, risk, and customer teams. [linkedin.com](https://linkedin.com/company/zopabank) [jobs.lever.co](https://jobs.lever.co/zopa)
- **Typical salary indicators**: For transparency, reported annual salary ranges include: Operations ~GBP 32,636, Financial Crime Officer ~GBP 30,000, Junior Operational Risk Analyst ~GBP 29,000. [linkedin.com](https://linkedin.com/company/zopabank)

## Sources
1. [careers.zopa.com](https://careers.zopa.com/)
2. [zopa.com](https://www.zopa.com/about)
3. [jobs.lever.co](https://jobs.lever.co/zopa)
4. [zopa.com](https://www.zopa.com/)
5. [linkedin.com](https://linkedin.com/company/zopabank)

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