About The Role

Investigate complex cases. Protect customers. Strengthen banking practices.

Bring your lending or credit product knowledge into a role where your judgement can make a meaningful difference. Join Morgan Stanley’s U.S. Banks Non-Financial Risk team in Budapest and investigate customer complaints involving banking products, lending services, account activity, and regulatory obligations.

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, credit operations, loan servicing, credit risk, complaints investigations, banking compliance, operational risk, internal audit, or regulatory advisory 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

3–5 years of relevant experience in consumer lending, credit operations, loan servicing, credit risk, complaints investigations, banking compliance, operational risk, internal audit, 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, complaints, compliance, and non-financial risk
Develop valuable expertise in root-cause analysis, regulatory response, risk assessment, and controls
Contribute ideas that improve processes and unlock the potential of AI-enabled solutions
Grow your career in a supportive global environment that values integrity, curiosity, ownership, and continuous learning

#LI-KP1

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 .