Financial Crime Team Leader

Capital on Tap; Manchester; Hybrid; GBP 40,000 - 55,000; Full time

Job summary

A leading fintech company in Manchester seeks a Team Leader for their Financial Crime team. This hybrid role involves managing a team conducting KYC and transaction monitoring, ensuring compliance with AML regulations. The ideal candidate will have management experience and a strong background in financial crime investigations.

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

Free Drinks and Snacks

Dog Friendly Offices

Qualifications

• Experience in financial crime onboarding and investigation.
• At least 1 year of management experience in financial services.

Responsibilities

• Lead a team of up to 10 FinCrime officers conducting KYC checks.
• Support team development and performance through coaching.
• Investigate suspicious transactions to mitigate risks.

Skills

Attention to Detail

Risk-Based Judgements

Communication

Education

Management Experience

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.

Check out the development opportunities in the Financial Crime team.

This is a hybrid role joining our KYC Financial Crime team in the Manchester office 3 days per week. The role follows a shift pattern that covers the hours between 9:00am to 8:30pm, 7 days per week.

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
The primary role of the Team Leader will be to support the Fincrime Manager in driving the performance and development of team members in a supportive, transparent and accountable environment. Your success is the success of the members of your team in aggregate, as measured by their performance, satisfaction and well-being.

• Responsible for leading a team of up to 10 FTE FinCrime officers as they conduct KYC, KYB and Transaction Monitoring checks as part of our onboarding and ongoing customer due diligence requirements.
• Ongoing development of team members, identifying areas for improvement and leveraging individual and team forums (1-1s, coaching sessions, huddles, team meetings, etc) to affect positive change. Ensuring all team members have active, individualised and meaningful development plans in place.
• Act as a subject matter expert in onboarding due diligence requirements, including screening, industry risk, complex ownership structures and EDD.
• Ensure the team handles transaction monitoring alerts & escalations in accordance with procedures and meet standards for both quality and timeliness.
• Assist the team in the investigation of suspicious transactions to help protect the business from potential Money Laundering and Terrorist Financing risks.
• Assist in the preparation of high quality Suspicious Activity Reports to the authorities concerned. (NCA & FINCEN).
• Continuous reviewing of transaction monitoring capabilities and providing feedback to the wider financial crime leadership team on efficiencies to be implemented, including enhancement to existing rules.
• Act as a subject matter expert for financial crime escalations within the wider FinCrime team and other areas of the business.
• Participate in wider FinCrime 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:

• Experience making independent risk-based judgements on AML investigations.
• Financial crime onboarding, investigation, screening and transaction monitoring experience is essential.
• Experience in handling cases involving complex beneficial ownership structures is essential.
• Meticulous attention to detail to identify when things are not working as designed.
• Cases won't always fit into neatly defined criteria so you'll need to be Confident in your ability to make best-judgement decisions based on the information available and be able to communicate these effectively.
• Genuinely care about the development of the team and the individuals you manage as demonstrated by your interactions across the business.
• Ability to give and receive open and constructive feedback.
• At least 1 year of management experience is essential - ideally in a financial services environment, preferably within FinCrime.

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: 60 minute CV overview with FinCrime Operations Manager and FinCrime Compliance Manager (In person) followed by a brief and informal meeting with the FinCrime team.
• Final stage: 45 minute interview with the Director of Specialist Operations and the MLRO (Video call)

Other Info
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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.)