Full-Time
Financial Crime Specialist
Financial Crime Operations
Posted on 9/22/2025
Zopa
501-1,000 employees
P2P lending platform offering personal loans
No salary listed
Manchester, UK
Hybrid
This hybrid role requires you to come to our Manchester office 2-3 days a week.
 Finance & Banking (1) |
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- Previous experience in a financial crime, fraud, or transaction monitoring role within the banking or financial services industry.
- Strong knowledge of UK financial crime regulations, including the Proceeds of Crime Act (POCA), the Money Laundering Regulations (MLR), and Financial Conduct Authority (FCA) guidelines.
- Familiarity with transaction monitoring systems.
- Strong analytical and investigative skills with 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.
- Proficiency with Microsoft Office Suite (Excel, Word, Outlook) and related tools.
- Highly organised and methodical with the ability to handle complex investigations.
- Strong decision-making ability and confidence in escalating issues when necessary.
- Review and analyse customer transactions to identify potentially suspicious activity, including money laundering, fraud, terrorist financing and other typologies.
- Prepare, complete, and submit Suspicious Activity Reports (SARs) in a timely and accurate manner.
- Conduct in-depth investigations into high-risk customers, ensuring all critical due diligence information is collected.
- Conduct EDD for SIP's, PEP's, High Net Worth Individuals, and customers flagged due to a court order or external law enforcement enquiry.
- Handle phone-based interactions with customers as part of daily responsibilities, ensuring a high level of customer service.
- ACAMS (Association of Certified Anti-Money Laundering Specialists) certification or equivalent ICA qualification.
- Experience in a similar role within a regulated UK financial institution.
Zopa connects borrowers and savers through an online platform, offering personal loans, savings accounts, credit cards, and car finance in the UK. It uses a peer-to-peer lending model where individuals lend money directly to borrowers, bypassing traditional banks. The platform uses technology such as a soft credit check that does not affect credit ratings and can pre-approve loans quickly, often within 12 seconds. Revenue comes from loan fees and by offering other financial products. Zopa differentiates itself by being a pioneer in UK P2P lending, leveraging fast digital workflows, direct lending between individuals, and a range of products, all under regulatory oversight (PRA). Its goal is to provide better value loans and investments by making lending and saving more efficient and accessible through technology.
Company Size
501-1,000
Company Stage
Debt Financing
Total Funding
$1.2B
Headquarters
London, United Kingdom
Founded
2005
Simplify's Take
What believers are saying
- Profit doubled to £65 million in 2025 with 24% revenue growth to £377.1 million.
- Customer base hit 1.7 million in 2025, adding 500k new users via Biscuit exceeding targets.
- Manchester office opens, hiring 50 roles now toward 500 jobs for UK expansion.
What critics are saying
- FCA car finance scandal provisions of £7.9 million erode profits and trigger claims.
- Monzo captures share from Biscuit with better app features in 12-18 months.
- Bank of England 2026 rate cuts halve Zopa's profit growth on £6.4B deposits.
What makes Zopa unique
- Zopa pioneered P2P lending in 2005, bypassing banks with direct borrower-lender connections.
- Biscuit current account launched June 2025 offers top cashback, rated #1 by MoneySavingExpert.
- Rvvup acquisition in September 2025 integrates AI Payment Agent for embedded finance.
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Benefits
Hybrid Work Options
Flexible Work Hours
Remote Work Options
Growth & Insights and Company News
6 month growth
↑ 0%1 year growth
↓ -1%2 year growth
↓ -2%Zopa Bank delivers £65 million profit in 2025 cementing its position in everyday banking. * Banking * 19.03.2026 10:25 am Zopa, the British digital bank pioneer with just under 2 million customers, today reports its third full year of profitability. Doubling profit before tax to £65 million for the financial year ending 31 December 2025, excluding SBT and one-off items, the milestone underscores Zopa Bank's remarkable trajectory since launching in 2020.* Zopa's customer base grew to 1.7 million in 2025 across savings, lending and everyday banking, onboarding more than half a million gross new customers during the year. As a result, Zopa scaled revenue in line with customer growth with total revenue increasing 24% to £377.1 million in 2025 and total operating income climbing 21% to £359.6 million. Over the period, the bank's deposit base grew 17% to £6.4 billion, while gross loans on balance sheet surged 23% to £3.8bn. An ongoing focus on cost efficiency meant that Zopa continued to deliver a category leading cost-to-income ratio of 34.8% through this period of growth. This model has enabled Zopa to reinvest profits at scale and maintain its position as a UK financial services leader in customer satisfaction, delivering a market-leading NPS of 75. As a result, more customers chose Zopa for multiple financial products, with over one in four now holding more than one product. Jaidev Janardana, CEO at Zopa Bank said: "2025 was another landmark year for Zopa as Theslideapp expanded into everyday banking. Theslideapp grew its customer base to 1.7 million, supported by strong growth across all products and from its expansion into current accounts and Investments. Its performance drove 24% revenue growth, with Zopa doubling its profit before tax despite a challenging UK economic environment. "Unlike much of the industry, we continue to place significant emphasis on rewarding loyalty, and the deepening of customer relationships has been the strongest indicator of our progress towards establishing the Home of Money, a place that makes customers feel at home with their finances." Rated #1 by MoneySavingExpert for cashback, perks and regular savings, Zopa launched its flagship bank account, Biscuit, in June 2025. It quickly became the UK's best free current account for everyday value**, attracting hundreds of thousands in customers in less than a year. Building on this momentum, Zopa subsequently entered the investments market to help the 15 million Brits holding excess cash grow their money with confidence - and continues to innovate at pace. Zopa's AI Assistant will soon enable customers to split receipts and settle invoices in seconds, simply by uploading a photo and using their voice. The Zopa app will serve as a smart financial control hub, enabling customers to move money to and from any bank account - including those held outside Zopa - all from a single screen. One of the UK's highest-rated and most celebrated financial brands, Zopa has won more than 10 British Bank Awards, holds a 4.6/5 rating on Trustpilot, and consistently receives among the highest customer satisfaction scores in the industry. Recently name-checked by Chancellor Rachel Reeves as one of the UK's fastest-growing companies, Zopa was also recognised as the UK's most loved bank in the 2025 Most Loved Workplaces ranking. * 19.03.2026 11:55 am * 18.03.2026 11:35 am * 18.03.2026 10:45 am * 18.03.2026 09:10 am * 18.03.2026 08:45 am * 17.03.2026 09:05 am * 16.03.2026 01:05 pm * 16.03.2026 10:45 am * 16.03.2026 08:35 am * 13.03.2026 02:05 pm * 12.03.2026 12:25 pm * 12.03.2026 12:15 pm
Zopa Bank has reported its third consecutive year of profit, with pre-tax profits rising to £44.9 million in 2025 from £31.6 million in 2024. The SoftBank-backed digital bank said its new current account product, Biscuit, launched in June last year, has exceeded expectations, onboarding hundreds of thousands of customers and running 40 per cent ahead of plan. The London-based bank's customer base grew to 1.7 million across savings, lending and everyday banking, adding over 500,000 new customers during the year. Deposits increased 17 per cent to £6.4 billion, whilst gross loans rose 23 per cent to £3.8 billion. Zopa set aside £7.9 million in provisions related to the car finance mis-selling scandal. Over 85 per cent of staff are using AI tools in daily work.
In line with this ambition, Zopa is already hiring for an additional 50 new roles in its Dalton Place-based office, with a mix of specialties and seniority.
U.K. digital bank Zopa says it is purchasing payments platform Rvvup. The company said the deal, announced Monday (Sept. 1), will accelerate its retail
London-based digital bank Zopa has acquired payments automation platform Rvvup Ltd for £25-40 million. This acquisition supports Zopa's goal to become a leading UK retail finance provider by integrating lending, banking, and payments. Founded in 2021, Rvvup, backed by £5.6 million in seed funding, has scaled to £5 million in annual revenue. This is Zopa's second acquisition, following DivideBuy in February 2023, and aligns with its aim to triple its embedded finance business in two years.