Financial Crime Specialist

Capital on Tap; Cardiff; Hybrid; GBP 40,000 - 60,000; Full time

Job summary

Join a leading fintech company in Cardiff as part of the Financial Crime team. You will oversee adherence to AML/CTF programs and act as a subject matter expert. This hybrid role offers a dynamic work environment with opportunities for growth and innovation.

Benefits

Private Healthcare

Worldwide Travel Insurance

Anniversary Rewards

Salary Sacrifice Pension Scheme

28 Days Holiday

Annual Learning and Wellbeing Budget

Enhanced Parental Leave

Cycle to Work Scheme

Season Ticket Loan

6 Free Therapy Sessions

Dog-Friendly Offices

Free Drinks and Snacks

Qualifications

• At least 3 years of experience in CDD or EDD and AML investigations.
• Thorough understanding of the UK’s Money Laundering Regulations.

Responsibilities

• Support the 1st line Financial Crime Team in overseeing AML/CTF program.
• Act as a subject matter expert for financial crime escalations.
• Review internal suspicious activity reports and prepare SAR drafts.

Skills

Attention to Detail

Communication

Problem Solving

Education

Relevant Qualifications

Job description

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.

This is a hybrid position within our Financial Crime team, based in our Cardiff office three days per week. Working hours are 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 regarding 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:

• Acting as a subject matter expert for financial crime escalations from the 1st line FinCrime Operations team and other areas of the business.
• Assisting with Adverse Media, PEPs, Sanctions, Complex Ownership, and High-Risk onboarding escalations.
• Reviewing internal suspicious activity reports raised from other areas such as credit or customer operations, supporting the preparation of SAR drafts where appropriate.
• Ensuring AML policies, procedures, and standards are followed and upheld.
• Managing our AML/CTF risk assessment, identifying emerging and ongoing risks, and recommending controls to mitigate them.
• Participating in team meetings, sharing knowledge on emerging trends and threats to build a high-performing team.
• Having at least 3 years of experience making independent, complex risk-based assessments in CDD or EDD, and AML investigations.
• Possessing a thorough understanding of the UK’s Money Laundering Regulations and/or JLMSG, gained through practical experience or relevant qualifications.
• Understanding AML risk assessments, horizon scanning, and gap analysis.
• Providing advice on financial crime risks and acting as a subject matter expert.
• Writing clear, concise, and detailed suspicious activity reports.
• Communicating decisions effectively to internal teams, senior leadership, or customers.
• Asking questions and suggesting improvements confidently.
• Maintaining attention to detail and working efficiently in a high-volume environment.

Diversity & Inclusion

We welcome and encourage applications from anyone committed to inclusivity. Join us in creating a space where authenticity thrives, and everyone can do their best work.

Great Work Deserves Great Perks

Our office features amenities like a pool table, arcade machine, beer tap, and office dogs. Benefits include:

• 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

More about our benefits, values, and mission can be found here.

The recruitment process involves:

1. 30-minute intro and values call with Talent Partner (Video)
2. 45-minute interview with Financial Crime Manager (In person)
3. 30-minute interview with FinCrime Compliance team (Video)

Apply Now!

If you’re interested in growing your career with our fintech, click apply. We aim to respond within 3 days, or up to 5 during busy periods.