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- Tasks: Conduct due diligence on SME customers and monitor transactions for potential risks.
- Company: Join Capital on Tap, a fintech helping small businesses thrive.
- Benefits: Enjoy private healthcare, 28 days holiday, and a supportive work environment.
- Why this job: Make a real impact in financial crime prevention while growing your career.
- Qualifications: Experience in financial crime roles and strong analytical skills required.
- Other info: Dynamic team culture with opportunities for personal and professional growth.
The predicted salary is between 30000 - 40000 £ 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.
The Financial Crime team consists of 70 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
- 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 FinCrime team to share insights on emerging trends and contribute to the enhancement of ongoing review processes.
Required Experience & Skills
- 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.
Application Process
- Stage 1: 30 minute call with a Talent Partner
- Stage 2: 30 minute take‑home test to be completed in your own time
- Stage 3: 60 minute interview in person with 2 of our Team Leaders in Financial Crime
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
- 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
- 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
- 6 free therapy sessions per year
- Dog Friendly Offices
- Free drinks and snacks in our offices
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 CDD Analyst New Cardiff employer: Capital on Tap
Contact Detail:
Capital on Tap Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land FinCrime CDD Analyst New Cardiff
✨Tip Number 1
Get to know the company inside out! Before your interview, dive into Capital on Tap's mission and values. Understanding what drives them will help you connect your skills to their goals, making you a standout candidate.
✨Tip Number 2
Practice makes perfect! Prepare for the interview by role-playing common questions related to financial crime and customer due diligence. This will boost your confidence and help you articulate your experience clearly.
✨Tip Number 3
Show off your analytical skills! Be ready to discuss specific examples of how you've identified red flags or suspicious activity in past roles. Real-life stories can make your application memorable and demonstrate your expertise.
✨Tip Number 4
Don’t forget to follow up! After your interview, send a quick thank-you note to express your appreciation for the opportunity. It shows professionalism and keeps you fresh in their minds as they make their decision.
We think you need these skills to ace FinCrime CDD Analyst New Cardiff
Some tips for your application 🫡
Tailor Your CV: Make sure your CV is tailored to the FinCrime CDD Analyst role. Highlight your experience in customer due diligence and any relevant skills that match the job description. We want to see how you can contribute to our mission!
Craft a Compelling Cover Letter: Your cover letter is your chance to shine! Use it to explain why you're passionate about financial crime prevention and how your background aligns with our goals at Capital on Tap. Keep it concise but impactful!
Showcase Your Analytical Skills: Since this role requires strong analytical abilities, be sure to include examples of how you've successfully identified risks or suspicious activities in previous roles. We love seeing those problem-solving skills in action!
Apply Through Our Website: We encourage you to apply directly through our website for a smoother application process. It helps us keep track of your application and ensures you don’t miss out on any updates from us!
How to prepare for a job interview at Capital on Tap
✨Know Your Stuff
Make sure you brush up on your knowledge of customer due diligence (CDD) and Know Your Business (KYB) regulations, especially for both the UK and US. Being able to discuss these topics confidently will show that you're serious about the role and understand the regulatory landscape.
✨Show Off Your Analytical Skills
Prepare to demonstrate your analytical and investigative skills during the interview. Think of examples from your past experience where you've successfully identified red flags or suspicious activity. Be ready to explain your thought process and how you documented your findings.
✨Engage with Real Scenarios
Capital on Tap values practical insights, so consider preparing for situational questions. They might ask how you'd handle a specific transaction monitoring scenario or how you'd engage with a customer to clarify ownership details. Practising these scenarios can help you articulate your approach effectively.
✨Be Ready for Team Dynamics
Since collaboration is key in the FinCrime team, think about how you've worked with others in high-pressure environments. Be prepared to share examples of how you've contributed to team success and how you handle feedback, as this aligns with their culture of direct and constructive communication.