FinCrime Due Diligence Analyst

Capitalontap; Cardiff; On-site; GBP 35,000 - 55,000; Full time

Benefits offered by this job

Private healthcare including dental services

Worldwide travel insurance

Anniversary rewards

Salary sacrifice pension scheme

28 days holiday plus bank holidays

Cycle to work scheme

6 free therapy sessions per year

Dog friendly offices

Job summary

Capitalontap in Cardiff is seeking a professional for their Financial Crime / Customer Operations team. Responsibilities include conducting Customer Due Diligence (CDD) and Enhanced Due Diligence (EDD) for SME customers, assessing complex ownership structures, and investigating suspicious activities.

The ideal candidate will have a strong understanding of Know Your Business (KYB) regulations, exceptional analytical skills, and the ability to make informed, risk-based decisions. The company promotes a culture of support and continuous improvement.

Qualifications

• Experience in financial crime with CDD and EDD responsibilities.
• Strong understanding of KYB regulatory requirements.
• Ability to analyze complex ownership structures.
• Exceptional attention to detail in busy environments.

Responsibilities

• Conduct Customer Due Diligence and Enhanced Due Diligence.
• Assess complex ownership structures and make risk-based decisions.
• Investigate suspicious activity and prepare Suspicious Activity Reports.
• Act as subject-matter expert for financial-crime escalations.

Skills

Financial crime experience

Customer Due Diligence (CDD)

Enhanced Due Diligence (EDD)

Analytical skills

Detail orientation

Communication skills

Job description

Location: Cardiff, 3 days per week in the office

Financial Crime / Customer Operations

Total responsibilities include:

• Conduct Customer Due Diligence (CDD) and Enhanced Due Diligence (EDD) on SME customers in the UK and US, focusing on Know Your Business (KYB) during onboarding and throughout the customer lifecycle.
• Independently scrutinise and assess complex ownership structures, including layered entities, trusts, offshore elements, and funds, ensuring decisions align with the company risk appetite.
• Investigate high‑risk or suspicious activity by analysing corporate structures, customer profiles, and behaviour to identify and mitigate red flags and indicators of financial crime.
• Engage directly with customers when needed to clarifiy business activities, ownership, or source of funds and wealth.
• Make sound, risk‑based decisions based on available information with documented rationale.
• Handle transaction monitoring alerts and escalations in line with established procedures, ensuring both quality and timeliness.
• Prepare Suspicious Activity Reports (SARs) for internal approval and external submission to relevant authorities.
• Act as a subject‑matter expert for financial‑crime escalations, providing support across the wider team and business.
• Support continuous improvement by sharing insights on emerging crime typologies and contributing to enhancements in monitoring, onboarding, and ongoing review processes.

Our Values & Culture

• Just Pilot – we never settle for “good enough”.
• Why Not Today? – speed and simplicity give us a competitive advantage.
• Be a Buddy – we support each other from day one.
• Owners and Dates – ownership of tasks with agreed dates ensures completion.
• Feedback – we regularly provide direct and constructive feedback.

We’re Looking For

• Demonstrable experience in financial crime, specifically with CDD and EDD responsibilities for SME corporate customers in the UK and US.
• Strong understanding of KYB regulatory requirements and expectations across UK and US jurisdictions.
• Experience reviewing, assessing, and articulating risk for high‑risk customer bases and high‑risk industries.
• Ability to independently review and analyse complex ownership structures, including trusts, funds, offshore vehicles, and multi‑layered entities, and make risk‑based decisions in line with company risk appetite.
• Strong analytical, investigative, and report‑writing skills with clear documentation of findings.
• Exceptional attention to detail and ability to work efficiently in a high‑volume, fast‑paced environment.
• Confident communicator, capable of explaining complex decisions to internal stakeholders and external customers.
• Comfortable proactively raising questions and identifying areas for improvement.

Interview Process

• Stage 1: 30‑minute meeting with a Talent Partner.
• Stage 2: Take‑home task.
• Stage 3: 60‑minute meeting with a Team Leader and/or Senior Manager.

Diversity & Inclusion

We welcome 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.

Benefits

• Private healthcare including dental and opticians services through Vitality.
• Worldwide travel insurance through Vitality.
• Anniversary rewards (£250, £500, £750, and a fully paid 4‑week sabbatical).
• Salary sacrifice pension scheme up to 7% match.
• Octopus EV salary‑sacrifice scheme.
• 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 the office.