Financial Crime Compliance Specialist

<div class="content-intro"><p><span style="font-family: verdana, geneva, sans-serif; font-size: 12pt;"><strong>We’re Capital on Tap 👋<br></strong></span><span style="font-family: verdana, geneva, sans-serif; font-size: 12pt;">💳 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.</span></p> <p><span style="font-family: verdana, geneva, sans-serif; font-size: 12pt;">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 financial products that make running a small business easier. </span></p> <p><span style="font-family: verdana, geneva, sans-serif; font-size: 12pt;">1,000+ employees, £20bn 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! </span></p></div><p><span style="font-family: verdana, geneva, sans-serif; font-size: 12pt;">🏡🏢This is a Hybrid role, the Financial Crime Compliance team working from our London (Moorgate) office 3 days per week.</span></p> <p><span style="font-family: verdana, geneva, sans-serif; font-size: 12pt;"><strong>Financial Crime Compliance at Capital on Tap</strong></span></p> <p><span style="font-family: verdana, geneva, sans-serif; font-size: 12pt;">The Financial Crime function is responsible for the ongoing management of the company’s Financial Crime policies, procedures and controls. This includes risk assessment and ongoing assurance of AML compliance, business advisory and management of high risk customer and suspicious activity escalations. </span></p> <p><span style="font-family: verdana, geneva, sans-serif; font-size: 12pt;"><strong>What You’ll Be Doing<br></strong></span></p> <p class="font-claude-response-body break-words whitespace-normal"><span style="font-family: verdana, geneva, sans-serif; font-size: 12pt;">You'll sit in the 2nd line Financial Crime Compliance team, operating independently from 1st line FinCrime Operations, reporting to the Deputy MLRO. You'll investigate escalations end to end, decide the right outcome for each customer relationship, and where suspicions are established, submit the disclosure to the NCA yourself.</span></p> <ul class="[li_&]:mb-0 [li_&]:mt-1 [li_&]:gap-1 [&:not(:last-child)_ul]:pb-1 [&:not(:last-child)_ol]:pb-1 list-disc flex flex-col gap-1 pl-8 mb-3 print:block print:space-y-1"> <li class="font-claude-response-body whitespace-normal break-words pl-2" style="font-family: verdana, geneva, sans-serif; font-size: 12pt;"><span style="font-family: verdana, geneva, sans-serif; font-size: 12pt;">Investigate 1LOD escalations - transaction monitoring alerts, fraud referrals, adverse media, complex ownership, PEP reviews.</span></li> <li class="font-claude-response-body whitespace-normal break-words pl-2" style="font-family: verdana, geneva, sans-serif; font-size: 12pt;"><span style="font-family: verdana, geneva, sans-serif; font-size: 12pt;">Build a defensible evidence picture: transaction analysis, KYC/CDD review, open-source research, and engagement with the escalating team.</span></li> <li class="font-claude-response-body whitespace-normal break-words pl-2" style="font-family: verdana, geneva, sans-serif; font-size: 12pt;"><span style="font-family: verdana, geneva, sans-serif; font-size: 12pt;">Decide the outco