FinCrime CDD Analyst

Capital on Tap; Manchester; Hybrid; GBP 40,000 - 50,000; Full time

Job summary

A fintech company in Manchester seeks a Financial Crime Analyst to join their team. In this hybrid role, you will perform due diligence on SME customers, ensuring compliance with regulatory standards in both the UK and US. Responsibilities include monitoring transactions, reviewing ownership structures, and engaging with customers to gather necessary documentation. Ideal candidates will have experience in financial crime roles, strong analytical skills, and be able to work efficiently in a fast-paced environment.

Qualifications

• Experience in customer due diligence for SME corporate customers.
• Strong understanding of regulatory requirements in UK and US.
• Proven ability to record ownership and control structures accurately.

Responsibilities

• Perform ongoing due diligence on SME customers in the UK and US.
• Review beneficial ownership structures and ensure accuracy.
• Assess customer business activities against risk standards.
• Complete transaction monitoring checks for unusual patterns.
• Engage directly with customers for ownership clarification.
• Make sound, risk-based decisions based on updated information.
• Collaborate with FinCrime team on insights and processes.

Skills

Experience in financial crime roles

Understanding of KYB and CDD requirements

Ability to analyze ownership structures

Experience in transaction monitoring

Analytical and investigative skills

Strong communication skills

Ability to work in a fast-paced environment

Education

Recognised AML or Financial Crime qualification

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 First Line of Defence Financial Crime team in the Manchester office. Office attendance is required 3 days per week with working hours 9-5:30pm Monday to Friday.

Financial Crime at Capital on Tap

The Financial Crime team consists of 62 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

• Perform ongoing due diligence on SME customers in both the UK and US, focusing on maintaining accurate and up-to-date Know Your Business (KYB) records.
• Review and verify beneficial ownership structures, ensuring all individuals with significant control are identified and recorded accurately within our systems.
• Assess the nature of business for existing customers to ensure their activities remain within Capital on Tap's risk appetite and regulatory standards.
• Complete transaction monitoring checks to identify unusual patterns or activity, ensuring any potential risks are escalated or mitigated promptly.
• Engage directly with customers when necessary to clarify ownership details, business activities, or to request updated documentation.
• Make sound, risk-based decisions based on updated information, providing clear and documented rationale for all review outcomes.
• Collaborate with the wider FinCrime team to share insights on emerging trends and contribute to the enhancement of ongoing review processes.

Required skills:

• Experience in financial crime roles specifically with customer due diligence (CDD) or ongoing monitoring responsibilities for SME corporate customers.
• Strong understanding of KYB and CDD regulatory requirements across both UK and US jurisdictions.
• Proven ability to analyse and record ownership and control structures accurately.
• Experience in transaction monitoring and the ability to identify red flags or suspicious activity.
• Strong analytical and investigative skills with high attention to detail in documenting findings.
• Confident communicator capable of interacting with internal stakeholders and external customers to resolve queries.
• Ability to work efficiently in a high-volume, fast-paced environment while maintaining high quality standards.
• A recognised AML or Financial Crime qualification (e.g., ICA, ACAMS) is a plus, but not essential.

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.)