Financial Crime Compliance Specialist

Capital on Tap; London; Hybrid; GBP 50,000 - 70,000; Full time

Job summary

Join a leading fintech as part of the Financial Crime Compliance team, where you will oversee AML/CTF compliance and support risk assessments. This hybrid role offers a dynamic environment and opportunities for growth within a mission-driven company.

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

Dog Friendly Offices

Free Drinks and Snacks

Qualifications

• 3 years experience in CDD or EDD and AML investigations.
• Thorough understanding of UK Money Laundering Regulations.

Responsibilities

• Support the Financial Crime Compliance Team in AML/CTF program adherence.
• Review internal suspicious activity reports and assist with SARs.

Skills

Risk Assessment

AML Investigations

Communication

Attention to Detail

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 role, the Financial Crime Compliance team work from our London (Shoreditch) Offices 3 days per week.

Financial Crime Compliance Team at Capital on TapThe Financial Crime Compliance 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 DoingYou will support the 2nd line Financial Crime Compliance 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. Support the MLRO with preparing and filing SARs where appropriate.
Maintain AML policies, procedures, and standards that the 1st line must follow, ensuring updates to regulations and feedback from Compliance Monitoring, Quality Assurance and Independent Audit are appropriately captured.
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.
Coordinate with internal teams to gather and provide necessary documentation and information for law enforcement enquiries as well as for partner banks.

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 PerksWe 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 (Video call/In person)Final stage: 30 minute interview with Head of FinCrime Compliance (In person)

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.)

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At Capital on Tap we are fully focused on equality and believe deeply in diversity of race, gender, sexual orientation, religion, ethnicity, ability, national origin and all the other characteristics that make us who we are. We want to be a place where a diverse mix of talented people want to come and do their best work and most importantly feel included and that they can be their authentic selves.

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