Banking Investigations & Risk Specialist at Morgan Stanley in Budapest

Job description

Investigate complex cases. Protect customers. Strengthen banking practices. Apply your investigative expertise to complex banking cases. Join Morgan Stanley's U.S. Banks Non-Financial Risk team and investigate customer complaints, account activity, lending matters, conduct concerns, and regulatory issues. Using evidence from multiple sources, you will determine root causes, assess risks, and deliver fair, well-supported outcomes that protect customers and strengthen controls across the bank. In this highly analytical role, you will examine evidence, connect the facts, determine root causes, and deliver clear, well-supported outcomes. You will work with colleagues across Compliance, Legal, Risk, Operations, and the business, gaining exposure to international banking activities and evolving consumer-protection expectations. This is an exciting next step for professionals from consumer lending, fraud investigations, AML/KYC, transaction monitoring, financial crime operations, complaints investigations, banking compliance, operational risk, internal audit, regulatory advisory, credit risk, or loan servicing who enjoy solving complex cases and turning findings into stronger controls and better customer outcomes. In the Legal & Compliance division, we support the Firm’s business objectives by overseeing legal, regulatory, and franchise risk. This position within the Consumer Banking & Lending Compliance team. Since 1935, Morgan Stanley has been a global leader in financial services, continuously evolving and innovating to better serve our clients and communities in more than 40 countries. What you’ll do Independently investigate complaints involving consumer banking, lending products, servicing, operations, and customer accounts Review account records, transaction history, servicing systems, correspondence, call recordings, policies, and supporting evidence Analyse complex cases, establish the facts, and deliver fair, accurate, and timely resolutions Prepare clear responses to customers, regulatory agencies, and escalated complaint matters Maintain complete, accurate, and well-supported case files, documenting investigation steps, findings, decisions, and corrective actions Identify root causes, operational gaps, complaint trends, and emerging risks Classify complaints using established categories, severity levels, and regulatory criteria Escalate credible legal, regulatory, conduct, or systemic concerns through the appropriate governance channels Support complaint risk assessments and gap analyses by evaluating processes, controls, requirements, and trends Explore how technology and AI can improve investigations, case management, quality, and operational efficiency What you’ll bring 4–8 years of relevant experience in fraud investigations, financial crime operations, AML/KYC, transaction monitoring, consumer banking investigations, complaints investigations, compliance, operational risk, internal audit, credit risk, or regulatory advisory. Practical knowledge of lending or credit products and the customer lifecycle Strong investigative skills, with the ability to evaluate information from multiple sources and reach evidence-based conclusions Sound judgement and confidence handling sensitive, ambiguous, or higher-risk matters Strong written communication skills and the ability to produce clear, accurate, and well-structured case documentation An understanding of consumer banking regulations or experience researching regulatory requirements Excellent organisation and time-management skills, with the ability to manage several cases and competing deadlines A proactive, collaborative approach and the confidence to work independently Bachelor’s degree and proficiency in Microsoft Word, Excel, and PowerPoint Why join us? Apply your lending and credit knowledge in an engaging, investigation-focused role Work on complex international cases with real customer, regulatory, and business impact Broaden your experience across consumer banking, c