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- Tasks: Lead a team managing financial crime compliance and develop AML policies.
- Company: Join Capital on Tap, a fintech helping small businesses thrive with innovative credit solutions.
- Benefits: Enjoy hybrid work, private healthcare, sabbaticals, and a fun office vibe with perks like free snacks.
- Why this job: Make a real impact in a growing company while developing your skills in a supportive environment.
- Qualifications: Management experience in financial crime compliance and relevant industry accreditation required.
- Other info: Diversity and inclusivity are core values; we welcome all applicants.
The predicted salary is between 48000 - 72000 £ per year.
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, the Financial Crime Compliance team working from our London (Shoreditch) Offices 3+ days per week.
Financial Crime Compliance at Capital on Tap The Financial Crime function within the broader Risk and Compliance team 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.
What You’ll Be Doing
- Deputise for the MLRO, managing a team of three Financial Crime Compliance Professionals.
- Support the MLRO in the development and ongoing management of our AML policies and procedures in line with statutory obligations and company risk appetite.
- Provide expert guidance to first line operations and review escalations related to suspicious activity, sanctions, PEPs, adverse media, complex ownership and high risk customers.
- Act as a subject matter expert for both current and emerging regulatory obligations ensuring our assessment and subsequent management of risk is appropriate and aligned to the company risk appetite.
- Liaise with Law Enforcement, regulators and Partner Banks as a primary point of contact for investigations, reporting, audits and other ad hoc requests.
- Develop targeted training for first line financial crime teams and customer facing operations.
- Feed into the ongoing maintenance of onboarding and ongoing due diligence controls.
- Liaise with second line assurance and third line audit functions to ensure framework and controls are effectively tested as appropriate.
- Complex Investigation skills required whether it be from ownership structures at onboarding to unravelling complex transaction patterns.
- Able to communicate effectively with stakeholders.
- Able to manage multiple ongoing projects both within the FinCrime space and in product development.
- Experience building out a second line Financial Crime Compliance team.
- Ability to maintain external awareness of the regulatory environment, ensuring risk assessment and policies and procedures are updated as required.
- Previous management experience within Financial Crime and appropriate industry accreditation such as ICA Diploma or ACAMs.
Nice to have skills:
- Strong presenting skills, able to break complex subject matter down into simple terms.
- Experience with SQL and strong Excel skills are highly desirable.
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 Vitality️
- Worldwide travel insurance through Vitality
- Anniversary Rewards (£250, £500, £750, 4-week fully paid sabbatical)
- Salary Sacrifice Pension Scheme up to 7% match️
- 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
Check out more of our benefits, values and mission here.
Interview Process
- First stage: 30 minute intro and values call with Talent Partner (Video call)
- Second stage: 45 minute CV overview with Team Manager (Video call) and case study which would be shared ahead of the interview to be discussed.
- Final stage: 60 minute technical assessment with Head of Department (In person) and 30 minute interview with Executive Leadership.
Excited to work here? Apply! 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.)
Financial Crime Compliance Manager - DMLRO London employer: Capital on Tap
Contact Detail:
Capital on Tap Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Financial Crime Compliance Manager - DMLRO London
✨Tip Number 1
Familiarise yourself with the latest AML regulations and compliance frameworks. Being well-versed in current laws will not only help you in interviews but also demonstrate your commitment to staying updated in the field.
✨Tip Number 2
Network with professionals in the financial crime compliance sector. Attend industry events or webinars to connect with others in the field, which can provide valuable insights and potentially lead to referrals.
✨Tip Number 3
Prepare to discuss your experience with complex investigations and risk assessments. Be ready to share specific examples of how you've successfully managed high-risk situations in previous roles.
✨Tip Number 4
Showcase your leadership skills by discussing any experience you have in building or managing teams. Highlight how you’ve developed training programmes or improved processes in your past roles to align with the responsibilities of this position.
We think you need these skills to ace Financial Crime Compliance Manager - DMLRO London
Some tips for your application 🫡
Understand the Role: Before applying, make sure you fully understand the responsibilities of a Financial Crime Compliance Manager. Familiarise yourself with AML policies, risk assessment, and compliance management to tailor your application effectively.
Highlight Relevant Experience: In your CV and cover letter, emphasise your previous management experience in Financial Crime, any relevant industry accreditations like ICA Diploma or ACAMs, and your ability to handle complex investigations and stakeholder communications.
Showcase Your Skills: Mention specific skills that are desirable for the role, such as strong presenting abilities, SQL knowledge, and Excel proficiency. Provide examples of how you've used these skills in past roles to demonstrate your capability.
Tailor Your Application: Customise your CV and cover letter to reflect Capital on Tap's values and mission. Show your enthusiasm for helping small businesses and your commitment to inclusivity, which is important to the company culture.
How to prepare for a job interview at Capital on Tap
✨Understand the Role
Make sure you have a solid grasp of the Financial Crime Compliance Manager role and its responsibilities. Familiarise yourself with AML policies, risk assessments, and the specific challenges faced in the financial crime sector.
✨Showcase Your Expertise
Prepare to discuss your previous experience in financial crime compliance, particularly any management roles. Be ready to provide examples of how you've developed policies or handled complex investigations.
✨Communicate Clearly
Since the role involves liaising with various stakeholders, practice breaking down complex regulatory concepts into simple terms. This will demonstrate your ability to communicate effectively with both technical and non-technical audiences.
✨Prepare for Case Studies
During the interview process, you'll encounter case studies. Review common scenarios in financial crime compliance and think through your approach to solving them. This will help you showcase your analytical skills and problem-solving abilities.
