Level

Morgan Stanley

Financial Crime Investigator

Morgan Stanley is hiring a Financial Crime Investigator in Budapest, Hungary. Level rates it ; you can apply on Level.

AI in this role

Investigate customer complaints, financial crimes, and lending risks while contributing to process improvements.

fraud-investigationcompliancerisk-managementamlroot-cause-analysis

Investigate complex cases. Protect customers. Make a real impact.


Do you enjoy uncovering facts, solving complex cases, and making evidence-based decisions? Are you passionate about customer protection, banking products, and identifying the root cause behind issues?


Join Morgan Stanley's U.S. Banks Non-Financial Risk team in Budapest and put your investigative skills to work on cases that matter. In this role, you'll review customer complaints, lending activities, account transactions, and conduct-related matters, helping ensure fair outcomes for customers while strengthening controls across the bank.


This is an excellent opportunity for professionals from Fraud Investigations, Financial Crime, AML/KYC, Transaction Monitoring, Consumer Banking, Lending Operations, Credit Risk, Internal Audit, Compliance, or Complaints Investigations who want to apply their expertise in a highly analytical, international environment.


Since 1935, Morgan Stanley is known as a global leader in financial services, always evolving and innovating to better serve our clients and our communities in more than 40 countries around the world.


What you'll do in the role:

  • Investigate customer complaints, lending issues, account activity, and conduct-related concerns
  • Review customer records, transactions, servicing systems, call recordings, and supporting documentation
  • Analyze evidence from multiple sources and make balanced, well-supported decisions
  • Identify root causes, operational gaps, emerging risks, and control weaknesses
  • Prepare clear investigation summaries and responses for customers, regulators, and stakeholders
  • Escalate potential regulatory, legal, conduct, or systemic concerns
  • Contribute to process improvements that enhance customer outcomes and strengthen controls
  • Support the use of technology and AI to improve investigations and case management

What you'll bring to the role:

  • 4–8 years of experience in Fraud Investigations, Financial Crime, AML/KYC, Transaction Monitoring, Consumer Banking, Lending Operations, Credit Risk, Compliance, Internal Audit, Complaints Handling, or Regulatory Investigations
  • Strong knowledge of banking, lending, credit products, or customer account lifecycles
  • Excellent investigative and analytical skills
  • Ability to assess facts objectively and make evidence-based decisions
  • Strong written communication and documentation skills
  • Sound judgment and confidence handling sensitive or complex cases
  • Ability to manage multiple investigations while maintaining high quality standards
  • Strong attention to detail and a naturally curious mindset

Why join us?

  • Work on challenging investigations with real customer, business, and regulatory impact
  • Build expertise across consumer banking, lending, compliance, conduct risk, and non-financial risk
  • Partner with global teams across Compliance, Legal, Risk, and Operations
  • Develop valuable skills in root-cause analysis, risk assessment, and regulatory investigations
  • Grow your career in an international environment that values curiosity, ownership, and professional development

WHAT YOU CAN EXPECT FROM MORGAN STANLEY:

At Morgan Stanley, we raise, manage and allocate capital for our clients – helping them reach their goals. We do it in a way that’s differentiated – and we’ve done that for 90 years.  Our values - putting clients first, doing the right thing, leading with exceptional ideas, committing to diversity and inclusion, and giving back - aren’t just beliefs, they guide the decisions we make every day to do what's best for our clients, communities and more than 80,000 employees in 1,200 offices across 42 countries. At Morgan Stanley, you’ll find an opportunity to work alongside the best and the brightest, in an environment where you are supported and empowered. Our teams are relentless collaborators and creative thinkers, fueled by their diverse backgrounds and experiences. We are proud to support our employees and their families at every point along their work-life journey, offering some of the most attractive and comprehensive employee benefits and perks in the industry. There’s also ample opportunity to move about the business for those who show passion and grit in their work.

To learn more about our offices across the globe, please copy and paste https://www.morganstanley.com/about-us/global-offices​ into your browser.

Certified Persons Regulatory Requirements:
If this role is deemed a Certified role and may require the role holder to hold mandatory regulatory qualifications or the minimum qualifications to meet internal company benchmarks.

Flexible work statement
Interested in flexible working opportunities? Morgan Stanley empowers employees to have greater freedom of choice through flexible working arrangements. Speak to our recruitment team to find out more.

Morgan Stanley is an equal opportunity employer committed to building and maintaining a workforce that is diverse in experience and background.  Our recruiting efforts reflect our strong commitment to a culture of inclusion, where individuals are hired, developed, and advanced based on their skills and talents.

Our workforce reflects a broad cross-section of the global communities in which we operate, bringing a variety of backgrounds, talents, perspectives, and experiences.

For more information, please visit: https://www.morganstanley.com/people-opportunities/eeo.

How we rate this

Financial Crime Investigator at Morgan Stanley rates 10 out of 100 for how much of the daily work is AI. That makes it Little AI (AI Level 1 of 4). The level is about AI in the job, not seniority.

Classification

Little AI. AI is not part of the work.

  1. ●●●● Builds AI80 to 100
  2. ●●●○ Works on AI60 to 79
  3. ●●○○ Uses AI40 to 59
  4. ●○○○ Little AI0 to 39

Levels come from how often the tools, models and workflows of the role are named in the posting itself. Open the description and count.

Prepare for this job

Built from this posting and from similar jobs on Level.

Skills and AI tools this role asks for

Fraud InvestigationComplianceRisk ManagementAmlRoot Cause Analysis

Questions you could be asked

  1. Tell me about a project where fraud investigation was part of your work. What did you do?
  2. Tell me about a project where compliance was part of your work. What did you do?
  3. Tell me about a project where risk management was part of your work. What did you do?
  4. Tell me about a project where aml was part of your work. What did you do?
  5. Tell me about a project where root cause analysis was part of your work. What did you do?

Adapt your resume

  • List these exact terms on your resume: Fraud Investigation, Compliance, Risk Management, Aml, and Root Cause Analysis. An applicant tracking system matches the wording, not the idea.
  • Attach one line of real, concrete experience to at least one of them. A tool named with nothing behind it rarely survives a human read.

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