Financial Crime Specialist | Cardiff, UK

Capital on Tap; Cardiff; Hybrid; GBP 40,000 - 70,000; Full time

Job summary

An innovative fintech company is seeking a Financial Crime Specialist to join their dynamic team. In this hybrid role, you'll leverage your expertise in AML and CDD to ensure compliance with regulatory standards while contributing to a collaborative and inclusive environment. With a focus on innovation and problem-solving, this position offers a unique opportunity to make a significant impact on the financial crime landscape. Enjoy a vibrant workplace culture with great perks, including private healthcare and a dog-friendly office. If you're passionate about financial crime prevention and eager to grow your career, this is the perfect opportunity for you.

Benefits

Private Healthcare

Worldwide Travel Insurance

Anniversary Rewards

Salary Sacrifice Pension Scheme

28 Days Holiday

Annual Learning Budget

Enhanced Parental Leave

Cycle to Work Scheme

Season Ticket Loan

Free Drinks and Snacks

Qualifications

• 3+ years of experience in AML investigations and risk assessments.
• Thorough understanding of UK's Money Laundering Regulations.

Responsibilities

• Support the 1st line Financial Crime Team in AML/CTF adherence.
• Review suspicious activity reports and prepare SAR drafts.

Skills

AML Investigations

Risk-Based Assessments

Financial Crime Regulations

Communication Skills

Attention to Detail

Education

Relevant Qualifications in Financial Crime

Job description

Financial Crime Specialist

Capital on Tap Cardiff, United Kingdom Apply now Posted 21 days ago Permanent Competitive

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.

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)

Other Info Check out our 'Top Tips' for interviewing.
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Email [e-mail] 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.)

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