Senior KYC Analyst

1. This is a hybrid role joining our KYC Financial Crime team in the Cardiff office 3 days per week.
2. 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.
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.

This is a hybrid role joining our KYC Financial Crime team in the Cardiff office 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.
• Review of PEPs/Sanction/Adverse Media hits completing enhanced due diligence where required.
• Investigate and analyse complex 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, and effectively communicate these decisions to team members, customers, and other stakeholders in the business.
• Assess referred cases ensuring minimal inconvenience to the customer whilst helping to help protect the business from potential Money Laundering and Terrorist Financing risks.
• Act as a subject matter expert for the KYC financial crime team, identifying and offering coaching and support where required.
• Continuously provide 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 and promoting engagement to assist in the building of a high performing team. 

We’re Looking For:

Required Skills:

• Experience in FinCrime related processes such as PEPS/ Sanctions/ KYC & KYB.
• Understanding of complex ownership structures.
• 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 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:

• £30,000+ 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