FinCrime Investigator Cardiff

Capital On Tap; Cardiff; Hybrid; GBP 25,000 - 45,000; Full time

Job summary

Join a forward-thinking fintech company that empowers innovation and problem-solving. In this hybrid role, you will be part of a dynamic Financial Crime team, ensuring compliance with regulatory obligations while making impactful decisions. Your expertise will help protect the business from financial crime risks, and you'll work in a supportive environment that values inclusivity. Enjoy great perks including private healthcare, a generous holiday allowance, and a fun office atmosphere. If you're passionate about financial crime and eager to learn, this is the perfect opportunity for you.

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

Season Ticket Loan

Dog Friendly Offices

Qualifications

• Experience in conducting investigations on suspicious transactions.
• Ability to prepare high-quality Suspicious Activity Reports.

Responsibilities

• Review high-risk and suspicious activity to protect the business.
• Ensure transaction monitoring alerts are handled according to standards.

Skills

Analytical Skills

Attention to Detail

Communication Skills

Risk Assessment

Financial Crime Knowledge

Education

Bachelor's Degree

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, the Financial Crime team work from our Cardiff Offices 3 days per week. The role follows a shift pattern that covers the 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 in relation to all things AML and CTF.

What You’ll Be Doing
You will support the Financial Crime Team to review high risk and suspicious activity, making decisions that have a big impact on our customers and our business.

• Conduct investigations on suspicious transactions to help protect the business from potential Money Laundering and Terrorist Financing risks, communicating directly with customers where required.
• Ensure transaction monitoring alerts & escalations are handled in accordance with procedures and meet standards for both quality and timeliness.
• Prepare high quality Suspicious Activity Reports to the authorities concerned. (NCA & FINCEN).
• Act as a subject matter expert for financial crime escalations within the wider FinCrime team and other areas of the business.
• 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.
• Participate and provide input to team meetings, sharing knowledge on identified emerging trends and threats to assist in the building of a high performing team.
• Experience making independent risk-based judgements on AML investigations.
• Able to communicate your decisions to internal members and customers directly.
• Confidence in asking questions and suggesting improvements where you see them.
• An interest in Financial Crime and a willingness to learn the regulatory landscape and criminal techniques in more detail.
• A critical eye and strong attention to detail with an eagerness to work efficiently in a demanding, high volume environment.

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 PerksWe 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.

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.)

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