Transaction Monitoring Investigator

🔎 Economic Crime Investigator - Transaction Monitoring (x2 roles) 📍 Birmingham / Hybrid | 💼 Fixed Term (12 months)

We’re looking for two Economic Crime Investigators to join our Transaction Monitoring team on a 12‑month fixed term contract.

This is a critical role at the front line of our financial crime defence. You’ll investigate alerts, analyse customer behaviour and make risk-based decisions that directly protect customers and the Bank from financial crime.

From money laundering and sanctions breaches to fraud and APP scams , your work will have a real, immediate impact, particularly in real-time scenarios where your judgement can stop funds from being lost.

If you’re analytically strong, thrive on problem-solving and enjoy making high-quality decisions under pressure, this is a role where you can truly make a difference.

🔑 What You’ll Be Doing Investigation &​ Decision Making

• Investigate transaction monitoring alerts (monetary and non-monetary) across a range of financial crime risks
• Assess transactional activity to identify potential AML, fraud, sanctions breaches and other criminal behaviour
• Determine the appropriate level of investigation based on risk indicators and customer behaviour
• Decide when payments should be held or delayed to prevent financial loss
• Apply account restrictions where required and escalate high-risk activity
• Identify when suspicious activity should be reported (including SARs to the NCA)
• Recommend customer offboarding where activity sits outside risk appetite

Fraud &​ Scam Prevention (Real-Time)

• Investigate real-time fraud and APP scam alerts, making fast, accurate decisions
• Use internal systems, transaction data and open-source research to assess fraud risk
• Collaborate with internal teams to act quickly and prevent customer harm

Analysis &​ Behavioural Assessment

• Analyse patterns, trends and anomalies in transactional activity
• Assess behavioural changes to identify potential criminal activity
• Use customer data and intelligence to support clear decision making
• Identify emerging risks and escalate where needed

Customer &​ Stakeholder Interaction

• Engage with customers (where appropriate) to clarify activity and gather information
• Maintain clear, structured case notes and rationale for all decisions
• Work closely with colleagues across Financial Crime and wider teams

Regulatory Compliance &​ Reporting

• Ensure investigations align with UK Money Laundering Regulations, JMLSG guidance and internal policies
• Raise and document SARs where required
• Embed Treating Customers Fairly principles into decision making

Continuous Improvement

• Provide feedback on transaction monitoring rules, scenarios and alert effectiveness
• Support improvements to detection capability and reduction of false positives
• Contribute insights to enhance processes, workflows and operational efficiency

🎯 What We’re Looking For

• Proven experience in Transaction Monitoring within banking or financial services
• Strong knowledge of AML, CTF, sanctions and fraud frameworks
• Experience investigating transaction alerts and identifying suspicious patterns
• Familiarity with transaction monitoring systems and alert platforms
• Strong analytical mindset with the ability to interpret complex data and behaviours
• Excellent attention to detail and investigative judgement
• Strong communication skills, including clear documentation of decisions
• Ability to manage a caseload independently and make timely, risk-based decisions
• Proficiency in Microsoft Office and relevant financial crime tools

🌟 Desirable Experience

• Experience improving or optimising monitoring rules and scenarios
• Professional qualifications (e.g. ICA, ACAMS)
• Understanding of payments processing, fraud typologies and customer behaviour
• Experience in values-led or purpose-driven organisations

🌟 Why join Unity? At Unity, protecting our customers is at the heart of what we do. In this role, you’ll be part of a team that makes real-time decisions that matter —preventing financial crime and safeguarding customer funds.

You’ll join a collaborative, purpose-driven organisation where your work has visible and meaningful impact every day.

🤝 Inclusion at Unity We’re proud of our inclusive recruitment approach and are committed to ensuring every colleague can bring their best, most authentic self to the process.

If you need any adjustments or support, please contact Recruitment@unity.co.uk we’ll work with you to create a process that works for you.