FinCrime Officer

1. 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.
2. 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 of 9:00am to 8:30pm, 7 days a week.
3. We offer Private Healthcare including dental and opticians services through Vitality and many more.

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.

Check out the development opportunities in the Financial Crime team.

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 of 9:00am to 8:30pm, 7 days a week.

Financial Crime At Capital On Tap:

The Financial Crime team consists of 36 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 KYC Financial Crime Team in completing customer onboarding checks and ongoing due diligence, making decisions that have a big impact on our customers and our business.

• Conduct KYC and KYB checks as part of our customer due diligence requirements.
• First point of contact for referrals regarding onboarding concerns or rule trips on a customer account.
• Review of PEPs/Sanction/Adverse Media hits completing enhanced due diligence where required.
• Analyse beneficial ownership cases to ensure compliance with regulatory requirements and identify potential risks.
• Exercise sound judgement and decision-making skills to handle cases that do not fit neatly into predefined criteria.

We’re Looking For

Required skills:

• You should have an interest in Financial Crime and AML and a willingness to learn the regulatory landscape and criminal techniques in more detail.
• Able to communicate your decisions to internal members and customers directly.
• Confidence in asking questions and suggesting improvements where you see them.
• A critical eye and strong attention to detail with an eagerness to work efficiently in a demanding, high volume environment.
• You should have experience in working across multiple platforms, ideally in a financial services environment - even if that’s not directly in a FinCrime or KYC role.

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

We 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:

• £26,000+ depending on experience
• 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