Financial Crime Team Leader

Capital on Tap; Manchester; Hybrid; GBP 35,000 - 55,000; Full time

Job summary

Join a forward-thinking company that empowers innovation and problem-solving in the financial crime sector. As a Team Leader, you'll drive team performance, support development, and ensure compliance with AML and CTF regulations. This hybrid role in Manchester offers a dynamic environment where you can make a real impact while enjoying excellent perks like private healthcare, a sabbatical reward system, and a dog-friendly office. If you're passionate about financial crime prevention and team development, this opportunity is perfect for you.

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

Six Free Therapy Sessions

Qualifications

• 1+ years of management experience in financial services, ideally in FinCrime.
• Experience with onboarding due diligence and transaction monitoring.

Responsibilities

• Lead a team of FinCrime officers conducting KYC and transaction monitoring.
• Develop team members through coaching and personalized development plans.
• Investigate suspicious transactions to mitigate financial crime risks.

Skills

KYC

KYB

Transaction Monitoring

Financial Crime Investigation

Management

Attention to Detail

Education

Experience in Financial Services

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.

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.

1. Lead a team of up to 10 FTE FinCrime officers conducting KYC, KYB, and Transaction Monitoring checks for onboarding and ongoing customer due diligence.
2. Develop team members, identify areas for improvement, and leverage forums (1-1s, coaching, huddles, team meetings) to foster positive change. Ensure all team members have active, personalized development plans.
3. Act as a subject matter expert in onboarding due diligence requirements, including screening, industry risk, complex ownership structures, and EDD.
4. Ensure the team handles transaction monitoring alerts and escalations according to procedures, maintaining quality and timeliness standards.
5. Assist in investigating suspicious transactions to mitigate Money Laundering and Terrorist Financing risks.
6. Help prepare high-quality Suspicious Activity Reports for authorities like NCA & FINCEN.
7. Continuously review transaction monitoring capabilities and provide feedback for efficiency improvements and rule enhancements.
8. Serve as a subject matter expert for financial crime escalations within the wider team and other business areas.
9. Participate in team meetings, sharing knowledge on emerging trends and threats to build a high-performing team.
10. Make independent, risk-based judgments during AML investigations.
11. Possess experience in financial crime onboarding, investigation, screening, and transaction monitoring, especially cases involving complex beneficial ownership structures.
12. Pay meticulous attention to detail to identify issues and be confident in making judgment calls based on available information.
13. Care about team development, demonstrated through interactions across the business.
14. Be open to giving and receiving constructive feedback.
15. Have at least 1 year of management experience, ideally in financial services and within FinCrime.

Diversity & Inclusion
We welcome 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 (dental and opticians via Vitality)
Worldwide travel insurance
Anniversary Rewards (£250, £500, £750, plus a 4-week 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
Six free therapy sessions per year
Dog-Friendly Offices
Free drinks and snacks

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

Interview Process

1. First stage: 30-minute intro and values call with Talent Partner (Video)
2. Second stage: 60-minute CV review with FinCrime Operations Manager and FinCrime Compliance Manager (In person), followed by an informal team meeting
3. Final stage: 45-minute interview with the Director of Operations and the MLRO (Video)

Apply Now

If you're excited to work here, click apply! We aim to respond within 3 days (up to 5 during busy periods).