---
title: 'Fraud Investigator, Overnight Team at Referrals Only'
canonical: 'https://feeny.ai/job/fraud-investigator-overnight-team-referrals-only-united-kingdom-weayv59k72r1'
type: 'job'
last_seen: '2026-09-14'
---

# Fraud Investigator, Overnight Team at Referrals Only

- **Company:** Referrals Only
- **Location:** United Kingdom
- **Work type:** remote
- **Posted:** 2026-09-03
- **Last confirmed live:** 2026-09-14
- **Apply:** https://job-boards.greenhouse.io/monzoreferrals/jobs/8176561

## Job description

📍Remote in the UK | 💰 £27,700 - £33,600 + Early evening allowance or Late Evening Allowance depending on your start time of £2503.00 (early) per year or £5006.00 (late) per year. Incentive Awards tied to your performance  +[Benefits](https://monzo.com/careers/)

Working 37.5 hours per week, 5pm - 1:30am Monday - Sunday, 1 in 3 weekend rotation.

Working 37.5 hours per week, 9pm - 5:30am Monday - Sunday, 1 in 3 weekend rotation.

Start date - Monday 23rd November 2026

Our Financial Crime & Fraud Team ⭐️:

Our Mission in the Financial Crime & Fraud Collective is to earn and keep our customers’ trust, support Monzo’s safe growth, and contribute to building a safer society. Our Fraud Investigators are crucial to the success of this mission.

Fraud Investigator role within our overnight pillar is broken into 3 parts of Fraud, Pursue which facilitates and acts on vital communication between Monzo and other institutions; helping us to prevent the loss of funds to fraudsters both within Monzo and across the industry. This communication falls into three main categories:

The second part is within our Protect pillar which provides vital after-care to Monzo customers who have fallen victim to value fraud across a range of touch points, including:

The third is within our Prevent pillar which provides vital intervention and response to Monzo customers who are experiencing potential active fraud attempts on their funds across two main channels:

🔑 You’ll play a key role by...

- Communicating to other banks about potential fraudsters in their customer base
- Communicating to other banks about potential fraudsters in Monzo’s customer base
- Communicating to and from CIFAS about potential fraudsters in Monzo’s customer base
- Liaising with law enforcement about crime we discover as part of our investigations
- Working cases of unauthorised card fraud, Unauthorised faster payment fraud, Authorised card payment fraud, Authorised faster payment fraud, Third party account takeover attempts
- Please note, as part of your role you will be required to make outbound calls to help prevent customers falling victim to scams.

Your day to day:

Fraud Investigators within our Fraud pillars work to a mixture of regulated and unregulated deadlines. Their role supports the quality of performance and knowledge across the pillar.

- Communication to other banks about potential fraudsters in their customer base
- Communication with law enforcement about crime we discover as part of our investigations
- Unauthorised card fraud
- Unauthorised faster payment fraud
- Authorised card payment fraud
- Authorised faster payment fraud
- Third party account takeover attempts
- Please note, as part of your role you will be required to make outbound calls
- Investigate claims with empathy and attention to detail
- Investigating and reporting fraud to other banks when our customers have been a victim of fraud
- Triaging and taking initial action on inbound communications from a range of institutions
- Creating and actioning indemnities and defunds where needed
- Probing for further evidence where needed
- Making decisions on cases and uphold or decline fraud claims
- Submitting accounts for closure where first party concerns are held following investigation (in line with relevant guidance)
- Safeguarding compromised accounts and taking appropriate remedial action to ensure customers can resume safe usage of their Monzo account
- Providing advice and support to victims of fraud on how they can protect themselves in the future
- Completing any post-investigation activity as required
- Gathering evidence from flagged transaction data
- Independently make decisions on cases and release or block flagged transactions
- Collaboratively make decisions on cases and release or block flagged transactions
- Reviewing limit increase requests from customers

🤩 We’d love to hear from you if…

- You have excellent English written & verbal communication skills
- You have previous experience in Fraud, banking/financial services or a related field
- You have the ability to be persuasive and empathetic
- You have Strong expertise in investigating, problem solving and decision making
- You have the ability to work well independently & be collaborative with the wider team
- You can work to deadlines
- You have a values driven approach in line with Monzo’s core values

🙌 What’s in it for you

💰 £27,700 - £33,600 base salary ➕ Incentive Awards tied to your performance

➕Early or Late Evening Allowance depending on your start time of £2503.00 (early) per year or £5006.00 (late) per year

📚£1,000 learning budget each year to use on books, training courses and conferences.

🏡We will set you up to work from home; all employees are given MacBooks and for fully remote workers we will provide extra support for your work-from-home setup.

➕ Plus lots more! Read our full list of[benefits](https://monzo.com/careers)

🌈 The application journey has 3 key steps:

- CV and application questions
- A call with a Recruiter
- A values and technical interview with the team

We have some guidelines on using Artificial Intelligence (AI) to ace an application and interview at Monzo. [You can read them here.](https://monzo.com/blog/the-ultimate-guide-on-using-ai-to-ace-an-interview-at-monzo)

Please note we will only close this role once we have enough applications for the next stages. Please submit your application asap to avoid any disappointment.

## #LI-REMOTE #LI-DR

## About Referrals Only

## Company Overview
- **One-liner**: Marqeta is the world’s first modern card issuing platform, providing open APIs that enable businesses to create, manage, and scale customized payment card programs.
- **Entity Type**: Public (Ticker: MQ on NASDAQ)
- **Headquarters**: Oakland, California, USA
- **Founded**: 2010
- **Founders**: Jason Gardner (Founder & Executive Chairman)

## Core Business
- **Primary industry**: Financial Technology (Fintech) — Modern Card Issuing & Payment Solutions
- **Target customers**: B2B; serves a wide range of industries including digital banking, on-demand delivery, buy now, pay later, expense management, retail, and workforce payments. Customers include Square, DoorDash, and other high-growth fintech and enterprise companies.
- **Mission or purpose statement**: To simplify payments and enable any company to deliver delightful payment experiences natively, powering more flexible, engaging, and innovative payment products.

## Products & Services
- **Modern Card Issuing Platform (SaaS/API)**: Fully open API platform that allows developers to launch new credit and debit card programs with speed, flexibility, and scale. Supports instant wage access, embedded finance, and custom card products.
- **Compliance & Risk Management (Service)**: Integrated fraud detection, spend control, and compliance tools to ensure high levels of security and uptime.
- **Global Expansion Capabilities (Platform)**: Certified to operate in over 40 countries across the US, Europe, and Asia, enabling businesses to scale globally.

## Market Standing
- **Valuation/Market Cap**: As a public company, market cap fluctuates. As of mid-2026, Marqeta is a publicly traded company valued in the multi-billion dollar range (exact figure varies with market conditions).
- **Key Metric**: Annual Revenue — $383 billion+ in total volume processed in 2025; 80x volume growth since 2017; 99.99% platform uptime in 2025.
- **Notable Investors/Partners**: Key customers include Square (Block), DoorDash, and other leading fintech and enterprise firms. Partners include issuing banks, networks (e.g., Visa, Mastercard), and card fulfillment providers.
- **Growth Signals**: Recognized as a CNBC Disruptor (top 50 in 2021 award); consistent expansion into new geographies (EU, UK, Asia); continued hiring across multiple departments and regions (US, Canada, UK).

## Competitive Advantages
- **First-mover & category leader**: Marqeta defined the modern card issuing category with its open API platform, giving it a decade-plus head start over competitors.
- **Scalability & reliability**: Proven track record of 99.99% uptime and handling massive transaction volumes (80x growth since 2017) — critical for enterprise customers.
- **Deep integration with major networks**: Pre-existing relationships with Visa, Mastercard, and issuing banks shorten time-to-market for customers.
- **Developer-first approach**: Open APIs and developer tools make it easy for engineering teams to build custom payment experiences quickly.

## Strategic Focus
- **Global expansion**: Continuing to expand its certified operations into new countries (currently 40+) to serve multinational customers.
- **Embedded finance & new use cases**: Driving adoption in instant wage access, embedded finance, and enterprise expense management.
- **AI & automation**: Investing in AI-powered fraud detection, risk management, and product automation (e.g., hiring for Principal Security Engineer, Product & AI; Lead Product Manager, Enterprise AI & Automation).
- **Platform stability & security**: Maintaining industry-leading uptime and security compliance as core differentiators.

## Why Work Here
- **Culture & values**: Marqeta emphasizes a culture of “Simplify and Innovate,” “Solve for the Customer,” “Do What’s Right,” “Make it Count,” and “Win as a Team.” Employee Resource Groups (ERGs) include BlackCard, HOLA, RepresentAsian, Desi, MQ-Proud, Vets@MQ, Women’s Group, Parents’ Group, and Marqetaglots.
- **Remote/hybrid policy**: Many roles are remote (US, Canada, UK), with some positions based in Oakland, CA or London, UK. The company supports flexible work arrangements.
- **Notable perks & engineering culture**: Fast-paced, purpose-driven environment; strong focus on developer experience and open APIs; opportunities to work on cutting-edge payment infrastructure at massive scale. The company invests heavily in early career talent and internal mobility.
- **Award-winning workplace**: Recognized as a top workplace (e.g., CNBC Disruptor) and offers a collaborative, inclusive environment.

## Sources
1. [Marqeta About Us](https://www.marqeta.com/company/about-us)
2. [Marqeta Careers Page](https://www.marqeta.com/company/careers)
3. [Marqeta Homepage](https://www.marqeta.com/)
4. [Greenhouse Job Board](http://job-boards.greenhouse.io/marqeta)
5. [MQ Referrals Job Board](https://job-boards.greenhouse.io/mqreferrals/jobs/7743043)

## Other roles at Referrals Only

- [Data Science Manager](https://feeny.ai/job/data-science-manager-referrals-only-cardiff-london-or-qy9svbyf8q50) — Cardiff London OR, United Kingdom
- [Product Manager, Subscriptions](https://feeny.ai/job/product-manager-subscriptions-referrals-only-barcelona-0jkx6zdsjnj7) — Barcelona, Spain
- [Fraud Compliance Manager](https://feeny.ai/job/fraud-compliance-manager-referrals-only-united-kingdom-qpzb7bmcbgxt) — United Kingdom
- [Lead Market Researcher](https://feeny.ai/job/lead-market-researcher-referrals-only-cardiff-london-or-83qyn2ncq2qk) — Cardiff London OR, United Kingdom
- [Chief of Staff, Group CFO](https://feeny.ai/job/chief-of-staff-group-cfo-referrals-only-london-fg8xem42f7fh) — London, United Kingdom
- [Senior Product Manager - Growth](https://feeny.ai/job/senior-product-manager-growth-referrals-only-london-x8w3pax4qj7r) — London, United Kingdom
- [Director of Product Design](https://feeny.ai/job/director-of-product-design-referrals-only-cardiff-london-or-8ca0hy3vyc09) — Cardiff London OR, United Kingdom
- [Staff Backend Engineer](https://feeny.ai/job/staff-backend-engineer-referrals-only-cardiff-london-or-6w1n8z0gktm9) — Cardiff London OR, United Kingdom
- [Senior Backend Engineer](https://feeny.ai/job/senior-backend-engineer-referrals-only-cardiff-london-or-0weyav3xnjw9) — Cardiff London OR, United Kingdom
- [Backend Engineer III](https://feeny.ai/job/backend-engineer-iii-referrals-only-cardiff-london-or-awnc2afx215n) — Cardiff London OR, United Kingdom