FinCrime CDD Analyst

Company Overview

Capital on Tap is a financial platform focused on small businesses, offering a best‑class business credit card, an SME‑focused spend‑management platform and a range of financial products. The company is profitable and serves over 200,000 customers.

Cardiff – 3 days a week in the office.

Financial Crime / Customer Operations. The team protects the company against financial crime such as money laundering and terrorist financing through screening, onboarding, transaction monitoring, CDD and EDD.

• Perform ongoing due diligence on SME customers in both the UK and US, focusing on maintaining accurate and up‑to‑date Know Your Business (KYB) records.
• Review and verify beneficial ownership structures, ensuring all individuals with significant control are identified and recorded accurately within our systems.
• Assess the nature of business for existing customers to ensure their activities remain within Capital on Tap's risk appetite and regulatory standards.
• Complete transaction monitoring checks to identify unusual patterns or activity, ensuring any potential risks are escalated or mitigated promptly.
• Engage directly with customers when necessary to clarify ownership details, business activities, or to request updated documentation.
• Make sound, risk‑based decisions based on updated information, providing clear and documented rationale for all review outcomes.
• Collaborate with the wider Fin Crime team to share insights on emerging trends and contribute to the enhancement of ongoing review processes.

• Experience in financial crime roles, specifically with customer due diligence (CDD) or ongoing monitoring responsibilities for SME corporate customers.
• Strong understanding of KYB and CDD regulatory requirements across both UK and US jurisdictions.
• Proven ability to analyse and record ownership and control structures accurately.
• Experience in transaction monitoring and the ability to identify red flags or suspicious activity.
• Strong analytical and investigative skills with high attention to detail in documenting findings.
• Confident communicator, capable of interacting with internal stakeholders and external customers to resolve queries.
• Ability to work efficiently in a high‑volume, fast‑paced environment while maintaining high quality standards.

• 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.
• 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.
• Six free therapy sessions per year.
• Dog friendly offices.
• Free drinks and snacks in our offices.

We welcome, consider and encourage applications from anyone who shares our commitment to inclusivity and building a space where authenticity thrives.

Email  if you have any questions.