Company Overview
Capital on Tap began to help small businesses that were underserved by traditional banks. They offer a business credit card, spend management platform, savings product, and other financial tools. They have 1,000+ employees, £20bn in annual card spend, 200,000+ customers, and 17,000+ Trustpilot reviews averaging 4.7 stars.
Location & Working Arrangement
Cardiff | 3 days per week in the office
Financial Crime / Customer Operations
The Financial Crime team protects the company against financial crime such as money laundering and terrorist financing. They handle screening, onboarding, transaction monitoring, CDD, and EDD, making decisions that matter daily.
What You’ll Be Doing
* Lead and develop our high-performing onboarding teams.
* Ensure our team’s adherence to our UK and US regulatory obligations.
* Identify and mitigate operational risk.
* Define and track KPIs and KRIs to measure performance and identify improvement opportunities.
* Managing the day‑to‑day onboarding operations including capacity planning, scheduling, training and competency management, SLA management and coaching and developing the teams.
* Improve operations by using technology to streamline processes and enhance customer experience.
* Manage the onboarding team in a fast-paced environment, adapting to change and collaborating across teams.
* Serve as the escalation point for complex cases while staying up to date with regulations, industry best practices, and risk trends.
* Supporting senior management in developing, implementing and communicating operational improvement and change.
Our Values & Culture
* Just Pilot: We never settle for “good enough”. We pilot new ideas fast, ask questions to figure it out, and scale quickly.
* Why Not Today? Fast is as slow as we go - speed and simplicity gives us a competitive advantage.
* Be a Buddy: We tap in from day one to help the team, we do the right thing even if it’s hard.
* Owners and Dates: We don’t chase people. If you own a task and agree to a date, the expectation is that it gets done.
* Feedback: We want our employees to flourish, so we regularly provide direct and constructive feedback.
We’re Looking For
* An experienced financial services leader specialising in onboarding due diligence, with a focus on business customers and complex ownership structures.
* An adaptable and pragmatic leader with a hands‑on, solutions‑driven approach to problem solving.
* A proven track record of leading and motivating high-performing teams in fast‑paced, dynamic environments.
* A subject matter expert with deep knowledge of regulatory and legal requirements, and extensive experience in risk assessment and control design and testing.
* An analytical thinker skilled in interpreting complex data and driving evidence‑based decision‑making.
Interview Process
* Stage 1: 30 minute chat with a Talent Partner.
* Stage 2: 60 minute interview with Head of Financial Crime.
* Stage 3: 60 minute interview with Customer Operations Director.
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 Perks
* 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
* 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 our offices
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