FinCrime Due Diligence Analyst

Were Capital on Tap
Capital on Tap started because small businesses were underserved. Big banks were slow their products werent fit for purpose and small business owners often couldnt access what they needed. We set out to fix that.

Today were 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.

1000 employees 20bn in annual card spend 200000 customers 17000 Trustpilot reviews averaging 4.7 stars and were profitable. Weve done a pretty good job so far but were just getting started!

Cardiff 3 days per week in the office

Financial Crime/Customer Operations
Our Financial Crime team is growing quickly along with the company. They work on the front line to protect the company against financial crime such as money laundering and terrorist financing. From screening onboarding transaction monitoring through to CDD and EDD they make decisions that really matter on a daily basis.

What Youll Be Doing

• Conduct CDD and EDD on SME customers in both the UK and US with a focus on Know Your Business (KYB) requirements during onboarding and throughout the customer lifecycle.
• Independently scrutinise and assess beneficial and complex ownership structures including layered entities trusts offshore elements and funds ensuring decisions align with Capital on Taps risk appetite.
• Investigate high-risk or suspicious activity by analysing corporate structures customer profiles and behaviour to identify and mitigate red flags and indicators of financial crime.
• Engage directly with customers when needed to clarify business activities ownership or source of funds/wealth.
• Make sound risk-based decisions based on available information and documented rationale.
• Handle Transaction Monitoring alerts and escalations in line with established procedures ensuring both quality and timeliness are met.
• Prepare Suspicious Activity Reports (SARs) for internal approval and external submission to relevant authorities (NCA FINCEN).
• Act as a subject matter expert for financial crime escalations providing support across the wider Fin Crime team and business.
• Support continuous improvement by sharing insights on emerging financial crime typologies and contributing to enhancements in monitoring onboarding and ongoing review processes.

Our Values & Culture

• Just Pilot: We never settle for good enough. We pilot new ideas fast ask questions to figure it out and scale quickly.
• Why Not Today Fast is as slow as we go - speed and simplicity gives us a competitive advantage.
• Be a Buddy: We tap in from day one to help the team we do the right thing even if its hard.
• Owners and Dates: We dont chase people. If you own a task and agree to a date the expectation is that it gets done.
• Feedback: We want our employees to flourish so we regularly provide direct and constructive feedback.

Were Looking For

• Demonstrable experience in financial crime specifically with CDD and EDD responsibilities for SME corporate customers in the UK and US.
• Strong understanding of KYB regulatory requirements and expectations across both UK and US jurisdictions.
• Experience of reviewing assessing and articulating risk of high risk customer bases operating within higher risk industries and sectors.
• Demonstrated ability to independently review and analyse complex ownership structures including trusts funds offshore vehicles and multi-layered entities and make risk-based decisions in line with company risk appetite.
• Strong analytical investigative and report-writing skills with clear documentation of findings.
• Exceptional attention to detail and the ability to work efficiently in a high-volume fast-paced environment.
• Confident communicator capable of explaining complex decisions to both internal stakeholders and external customers.
• Comfortable proactively raising questions and identifying areas for improvement.

Interview Process

• Stage 1: 30 minutes with a Talent Partner
• Stage 2: take home task
• Stage 3: 60 minutes with a Team Leader and/or Senior Manager

Diversity &…