Financial Crime Specialist

We’re Capital on Tap 👋

💳 Capital on Tap was founded with the mission to help small business owners and make their lives easier. Today, we provide an all-in-one business credit card & spend management platform that helps business owners save time and money. Capital on Tap proudly serves over 200,000 businesses across the world and our goal is to help 1 million small businesses by 2030. 

Why Join Us?
We empower you to be innovative and solve complex problems. Take ownership, make an impact, and thrive in our scaling and agile environment. 

📈Check out the development opportunities in the Financial Crime team.

🏡🏢This is a hybrid position within our Financial Crime team, based in our Cardiff office three days per week. Working 9:00am - 5:30pm Monday to Friday.

Financial Crime at Capital on Tap

The Financial Crime team consists of 46 people globally. The team is responsible for ensuring that Capital on Tap meets its regulatory obligations in relation to all things AML and CTF. 

What You’ll Be Doing
You will support the 1st line Financial Crime Team to oversee adherence to the business’ AML/CTF program through the following:

• Act as a subject matter expert for financial crime escalations from the 1st line FinCrime Operations team and other areas of the business.
• Assist with Adverse Media, PEPs, Sanctions, Complex Ownership and High Risk onboarding escalations.
• Review internal suspicious activity reports raised from other areas of the business such as credit or customer operations, supporting the preparation of SAR drafts where appropriate.
• Ensuring AML policies, procedures, and standards are followed and upheld.
• Ongoing management of our AML/CTF risk assessment, identifying areas of emerging and ongoing risk and recommending controls to mitigate such risks.
• Participate and provide input to FinCrime-wide team meetings, sharing knowledge on identified emerging trends and threats to assist in the building of a high performing team.

We’re Looking For 🔎
Required skills:

• A minimum of at least 3 years experience making independent and complex risk-based assessments in CDD or EDD, and AML investigations.
• A thorough understanding of how the requirements of the UK’s Money Laundering Regulations and/or the JLMSG apply within the regulated financial services sector; gained through practical experience or relevant qualifications.
• An understanding of conducting AML risk assessments, horizon scanning and/or a gap analysis.
• Experience in providing advice on financial crime risks and acting as a subject matter expert.
• The ability to write clear, concise and detailed suspicious activity reports.
• The ability to communicate your decisions to internal team members, senior leadership or customers directly.
• Confidence in asking questions and suggesting improvements where you see them.
• A critical eye and strong attention to detail with an eagerness to work efficiently in a demanding, high volume environment.

Diversity & Inclusion 🌈
We welcome, consider and encourage applications from anyone who shares our commitment to inclusivity. Join us in creating a space where authenticity thrives, and everyone can do their best work.

Great Work Deserves Great Perks
We try not to take ourselves too seriously (all the time) so we make sure our office is decked out with a pool table, arcade machine, beer tap, and a couple of office dogs thrown in for good measure. Check out our benefits:

🏥 Private Healthcare including dental and opticians services through Vitality
✈️ Worldwide travel insurance through Vitality
🎁 Anniversary Rewards (£250, £500, £750, 4-week fully paid sabbatical)
👛 Salary Sacrifice Pension Scheme up to 7% match
🏖️ 28 days holiday (plus bank holidays)
📖 Annual Learning and Wellbeing Budget
👪 Enhanced Parental Leave
🚲 Cycle to Work Scheme
🚂 Season Ticket Loan
💬 6 free therapy sessions per year
🐶 Dog Friendly Offices
🍫 Free drinks and snacks in our offices

Check out more of our benefits, values and mission here.

Interview Process 🤝

• First stage: 30 minute intro and values call with Talent Partner (Video call)
• Second stage: 45 minute interview with Financial Crime Manager (In person)
• Final stage: 30 minute interview with a member of the FinCrime Compliance team (Video call)