FinCrime Investigator

Capital on Tap; Manchester; Hybrid; GBP 34,000 - 40,000; Full time

Job summary

Join a leading fintech company as part of the KYC Financial Crime team in Manchester. You'll investigate suspicious activities, support compliance with AML regulations, and contribute to a high-performing team. Enjoy a hybrid working model and great perks.

Benefits

Private Healthcare

Worldwide Travel Insurance

Salary Sacrifice Pension Scheme

28 Days Holiday

Annual Learning and Wellbeing Budget

Enhanced Parental Leave

Cycle to Work Scheme

6 Free Therapy Sessions

Dog-Friendly Offices

Free Drinks and Snacks

Qualifications

• Experience in financial crime investigations.
• Understanding of AML and CTF regulations.

Responsibilities

• Review high-risk and suspicious activities.
• Conduct investigations into suspicious transactions.
• Prepare Suspicious Activity Reports.

Skills

Attention to Detail

Risk-Based Judgment

Communication

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 support 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 covering hours between 9:00am to 8:30pm, 7 days a 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 regarding AML and CTF.

What You’ll Be Doing

• Support the Financial Crime Team in reviewing high-risk and suspicious activities, making decisions impacting our customers and business.
• Conduct investigations into suspicious transactions to help protect the business from potential Money Laundering and Terrorist Financing risks, communicating directly with customers when needed.
• Ensure transaction monitoring alerts and escalations are handled according to procedures, maintaining quality and timeliness.
• Prepare high-quality Suspicious Activity Reports for authorities such as NCA & FINCEN.
• Act as a subject matter expert for financial crime escalations within the wider FinCrime team and other departments.
• Continuously review transaction monitoring capabilities and provide feedback on efficiencies and enhancements to existing rules.
• Participate in team meetings, sharing knowledge on emerging trends and threats to build a high-performing team.
• Make independent, risk-based judgments on AML investigations.
• Communicate decisions effectively to internal teams and customers.
• Ask questions and suggest improvements proactively.
• Maintain an interest in Financial Crime, and a willingness to learn more about regulatory landscapes and criminal techniques.
• Pay close attention to detail and work efficiently in a high-volume environment.

Start Date

Monday 21st July. Final stage interviews will be held in person at our Manchester Office from Monday 16th June to Wednesday 18th June. Please apply promptly and indicate your availability.

Diversity & Inclusion

We welcome applications from all who share 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

Our office features a pool table, arcade machine, beer tap, and office dogs. Benefits include:

• £34,000 - £40,000 depending on experience
• Private Healthcare, including dental and optical services via Vitality
• Worldwide travel insurance through Vitality
• Anniversary Rewards (£250, £500, £750, 4-week fully paid sabbatical)
• Salary Sacrifice Pension Scheme with 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

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

Other Useful Info

Interview Process:

• First stage: 30-minute intro and values call via video
• Second stage: 60-minute CV review with FinCrime Team Leaders in person

Excited to work here? Apply!

If you're interested in advancing your career with our growing, profitable fintech, click apply. We aim to respond within 3 working days (up to 5 during busy periods).

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