Financial Cime Officer - Enhanced Due Diligience
Cardiff
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 Cardiff office. Office attendance is required 3 days per week with working hours 9-6pm 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
As a Financial Crime Investigator, you will be on the front line of risk prevention and detection. You will:
* Conduct enhanced due diligence (EDD) on SME customers in both the UK and US, with a focus on Know Your Business (KYB) requirements during onboarding and throughout the customer lifecycle.
* Independently scrutinize and assess complex ownership structures, including layered entities, trusts, offshore elements, and nominee arrangements, ensuring decisions align with Capital on Tap's 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 clarify business activities, ownership, or source of funds/wealth.
* Make sound, risk-based decisions based on available information and documented rationale.
* Assess and document Source of Funds (SoF) and Source of Wealth (SoW) where appropriate.
* Handle Transaction Monitoring alerts and escalations in line with established procedures, ensuring both quality and timeliness are met.
* Prepare Suspicious Activity Reports (SARs) for internal approval and external submission to relevant authorities (NCA, FINCEN).
* Act as a subject matter expert for financial crime escalations, providing support across the wider FinCrime team and business.
* Support continuous improvement by sharing insights on emerging financial crime typologies and contributing to enhancements in monitoring, onboarding, and ongoing review processes.
* 4+ years of experience in financial crime roles, specifically with enhanced due diligence (EDD) responsibilities for SME corporate customers in the UK and US.
Strong understanding of KYB regulatory requirements and expectations across both jurisdictions.
* Demonstrated ability to independently review and analyse complex ownership structures, including trusts, 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 the ability to work efficiently in a high-volume, fast-paced environment.
* Confident communicator, capable of explaining complex decisions to both internal stakeholders and external customers.
* Comfortable proactively raising questions and identifying areas for improvement.
* A recognised AML or Financial Crime qualification (e.g., ICA, ACAMS) is a plus, but not essential.
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 .
Other Useful Info
Interview Process:
First stage: 30 minute intro and values call with Talent Partner (Video call)
Second stage: 60 minute CV overview with FinCrime Team Leader (In person)
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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At Capital on Tap we are fully focused on equality and believe deeply in diversity of race, gender, sexual orientation, religion, ethnicity, ability, national origin and all the other characteristics that make us who we are. We want to be a place where a diverse mix of talented people want to come and do their best work and most importantly feel included and that they can be their authentic selves.
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