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- Tasks: Investigate suspicious transactions and support the Financial Crime Team in decision-making.
- Company: Join Capital on Tap, a fintech helping small businesses thrive with innovative credit solutions.
- Benefits: Enjoy perks like private healthcare, a dog-friendly office, and a generous holiday allowance.
- Why this job: Make a real impact while working in a fun, inclusive environment with great development opportunities.
- Qualifications: Experience in AML investigations and a keen interest in financial crime are essential.
- Other info: Hybrid role with flexible hours; join a diverse team committed to inclusivity.
The predicted salary is between 36000 - 60000 £ per year.
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 between 9:00am to 8:30pm, 7 days a week.
Financial Crime at Capital on Tap
The Financial Crime team consists of 46 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 Financial Crime Team to review high risk and suspicious activity, making decisions that have a big impact on our customers and our business.
- Conduct investigations on suspicious transactions to help protect the business from potential Money Laundering and Terrorist Financing risks, communicating directly with customers where required.
- Ensure transaction monitoring alerts & escalations are handled in accordance with procedures and meet standards for both quality and timeliness.
- Prepare high quality Suspicious Activity Reports to the authorities concerned (NCA & FINCEN).
- Act as a subject matter expert for financial crime escalations within the wider FinCrime team and other areas of the business.
- Continuous reviewing of transaction monitoring capabilities and providing 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 on identified emerging trends and threats to assist in the building of a high performing team.
We're Looking For
- 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:
- 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
Other Useful Info
Interview Process:
- First stage: 30 minute intro and values call with Talent Partner (Video call)
- Second stage: 60 minute CV overview with Team Manager and meet the team (In person)
If you’d like to progress your career within our fast growing, profitable fintech then click apply and we will aim to get back to you within 3 working days (during busy periods this could take up to 5 working days).
FinCrime Investigator employer: Capital on Tap
Contact Detail:
Capital on Tap Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land FinCrime Investigator
✨Tip Number 1
Familiarise yourself with the latest AML and CTF regulations. Understanding the regulatory landscape will not only help you in interviews but also demonstrate your commitment to the role and the industry.
✨Tip Number 2
Showcase your analytical skills by preparing examples of past investigations or risk assessments you've conducted. Be ready to discuss how you made decisions based on your findings, as this is crucial for the FinCrime Investigator role.
✨Tip Number 3
Engage with current trends in financial crime by following relevant news sources and forums. This will not only keep you informed but also provide you with talking points during your interview, showing your proactive approach.
✨Tip Number 4
Prepare thoughtful questions about the Financial Crime team and their processes. Asking insightful questions can demonstrate your genuine interest in the role and help you stand out as a candidate.
We think you need these skills to ace FinCrime Investigator
Some tips for your application 🫡
Understand the Role: Before applying, make sure you fully understand the responsibilities of a FinCrime Investigator. Familiarise yourself with AML and CTF regulations, as well as the specific tasks mentioned in the job description.
Tailor Your CV: Highlight your relevant experience in financial crime investigations, risk assessment, and any previous roles that required attention to detail. Use keywords from the job description to ensure your CV aligns with what Capital on Tap is looking for.
Craft a Compelling Cover Letter: In your cover letter, express your passion for financial crime prevention and your eagerness to contribute to the team. Mention specific skills or experiences that make you a great fit for the role, and demonstrate your understanding of the company's mission.
Prepare for Interviews: Review common interview questions related to financial crime and be ready to discuss your decision-making process in risk-based scenarios. Also, prepare questions to ask about the team dynamics and the company's approach to tackling financial crime.
How to prepare for a job interview at Capital on Tap
✨Understand Financial Crime Regulations
Familiarise yourself with the key regulations surrounding Anti-Money Laundering (AML) and Counter-Terrorist Financing (CTF). Being able to discuss these topics confidently will demonstrate your commitment to the role and your understanding of the industry's landscape.
✨Prepare for Scenario-Based Questions
Expect to be asked about how you would handle specific situations related to suspicious transactions. Prepare examples from your past experience where you made risk-based judgements, as this will showcase your decision-making skills and ability to think critically under pressure.
✨Showcase Your Communication Skills
Since the role involves direct communication with customers and internal teams, practice articulating your thoughts clearly and concisely. Be ready to explain complex financial crime concepts in simple terms, which will highlight your ability to engage effectively with various stakeholders.
✨Demonstrate a Continuous Learning Mindset
Express your eagerness to learn about emerging trends and threats in financial crime. Discuss any relevant courses or certifications you have pursued, and show that you are proactive in keeping up-to-date with industry developments, which is crucial for success in this role.
