Senior FinCrime Officer - Remote

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 remote position. You'll be required to visit either our Cardiff office 2 days a quarter. You'll be required to attend the office for your first week for training, Mon-Fri 9am-5:30pm. You'll then join the late shift team where they work 2pm-10:30pm Mon-Fri.

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

• Conduct investigations on suspicious transactions to help protect the business from potential Money Laundering and Terrorist Financing risks, communicating directly with customers where required.
• Ensure transaction monitoring alerts & escalations are handled in accordance with procedures and meet standards for both quality and timeliness.
• Review of PEPs/Sanction/Adverse Media hits completing enhanced due diligence where required.
• Analyse beneficial ownership cases to ensure compliance with regulatory requirements and identify potential risks.
• Prepare high quality Suspicious Activity Reports to the authorities concerned. (NCA & FINCEN).
• Act as a subject matter expert for financial crime escalations within the FinCrime team.
• Exercise sound judgement and decision-making skills to handle cases that do not fit neatly into predefined criteria.

We're Looking For

• Experience making independent risk-based judgements on AML investigations.
• Able to communicate your decisions to internal members and customers directly.
• Confidence in asking questions and suggesting improvements where you see them.
• An interest in Financial Crime and a willingness to learn the regulatory landscape and criminal techniques in more detail.
• 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:

£32,000+ (Depending on experience)

• Private Healthcare including dental and optician 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)
• Final Stage: 60 minute CV overview with Team Leader (Video Call)

Other Info

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Email careers@capitalontap.com if you have any questions.

Excited to work here? Apply!

If you'd like to progress your career within our fast growing, profitable fintech then click apply and we will aim to get back to you within 3 working days (during busy periods this could take up to 5 working days.)