Overview
We’re Capital on Tap. Capital on Tap started because small businesses were underserved. Big banks were slow, their products weren’t fit for purpose, and small business owners often couldn’t access what they needed. We set out to fix that. Today we’re a financial platform – not just a credit card company. We offer a best‑in‑class business credit card, SME‑focused spend management platform, a savings product that hit £1 billion in funds within its first year, and a growing suite of tools and products that make running a small business easier. 1,000+ employees, £20 bn in annual card spend, 200,000+ customers, 17,000+ Trustpilot reviews averaging 4.7 stars, and we’re profitable. We’ve done a pretty good job so far, but we’re just getting started!
The Role
We’re looking for an experienced Financial Crime Team Leader to lead our UK and US analyst teams. In this key role, you will be the driving force behind our mission to protect our customers and stay one step ahead of financial crime. You won’t just manage a team; you’ll empower our analysts to deliver high‑quality performance that reinforces customer trust.
Responsibilities
* Lead a high‑performing team of Financial Crime Analysts who serve our customers across the UK & US. You’ll drive professional growth through tailored coaching, regular 1‑to‑1s, and a commitment to building an investigative mindset.
* Conduct regular reviews of team decisions and documentation to ensure every rationale is technically sound, robustly defended, and perfectly aligned with our risk appetite.
* Expertly manage global workflows and resources, ensuring our teams meet internal SLAs without compromising on quality or detail.
* Champion a culture of continuous improvement, empowering the team to proactively identify and implement process enhancements that keep us ahead of financial crime.
* Act as the final authority on complex SME investigations, navigating the nuances of UK and US business structures and making decisive, risk‑based calls on the most challenging cases.
* Leverage technology to automate manual hurdles, managing risk more effectively while significantly enhancing the experience for our customers.
* Specialise in the end‑to‑end Customer Lifecycle; particularly expert in CDD/EDD and the complexities of Beneficial Ownership for corporate entities, alongside robust Transaction Monitoring oversight.
* Be an adaptable and pragmatic leader with a hands‑on, solutions‑driven approach to problem solving.
* Have a proven track record of leading high‑performing teams in fast‑paced, dynamic environments.
* Be an analytical thinker skilled in interpreting complex data and driving evidence‑based decision‑making.
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.
Benefits
* Private Healthcare including dental and optician 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
* Lease a brand‑new electric car through our 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
Application Conditions
Please confirm you understand this role is office based and that you can commute to the Cardiff office.
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