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For Companies At a Glance
- Tasks: Conduct enhanced due diligence on SME customers and investigate suspicious activities.
- Company: Join Capital on Tap, a leading business credit card provider with a global impact.
- Benefits: Enjoy private healthcare, 28 days holiday, and a supportive work environment.
- Why this job: Make a real difference in financial crime prevention while growing your career.
- Qualifications: 4+ years in financial crime roles with strong analytical skills.
- Other info: Hybrid role with a focus on inclusivity and continuous improvement.
The predicted salary is between 36000 - 60000 £ per year.
Overview
Financial Crime Officer – Enhanced Due Diligence (Manchester). Hybrid role in the First Line of Defence Financial Crime team in the Manchester office. Office attendance is required 3 days per week, with working hours 9-6pm Monday to Friday.
We’re Capital on Tap. Capital on Tap provides an all-in-one business credit card and spend management platform that helps small businesses save time and money. We serve over 200,000 businesses globally and aim 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.
Financial Crime at Capital on Tap
The Financial Crime team consists of 62 people globally. The team ensures Capital on Tap meets its regulatory obligations related to AML and CTF.
What You’ll Be Doing
- Conduct enhanced due diligence (EDD) on SME customers in the UK and US, focusing on Know Your Business (KYB) requirements during onboarding and throughout the customer lifecycle.
- Independently scrutinize and assess complex ownership structures, including layered entities, trusts, offshore elements, and nominee arrangements, ensuring decisions align with Capital on Tap\’s 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.
- Assess and document Source of Funds (SoF) and Source of Wealth (SoW) where appropriate.
- Handle Transaction Monitoring alerts and escalations in line with established procedures, ensuring quality and timeliness.
- 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 FinCrime 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.
Qualifications
- 4+ years of experience in financial crime roles, specifically with enhanced due diligence (EDD) responsibilities for SME corporate customers in the UK and US.
- Strong understanding of KYB regulatory requirements and expectations across both jurisdictions.
- Proven ability to independently review and analyse complex ownership structures, including trusts, offshore vehicles, and multi-layered entities, with risk-based decision making 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 internal stakeholders and external customers.
- Comfortable proactively raising questions and identifying areas for improvement.
- A recognised AML or Financial Crime qualification (e.g., ICA, ACAMS) is a plus, but not essential.
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
- 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
- Free drinks and snacks in our offices
Apply
Check out more of our benefits, values and mission on our site. If you’re excited to work here, apply and we will aim to respond within 3 working days (during busy periods this may take up to 5 working days).
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Financial Crime Officer - Enhanced Due Diligence (Manchester) Manchester employer: Capital on Tap
Contact Detail:
Capital on Tap Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Financial Crime Officer - Enhanced Due Diligence (Manchester) Manchester
✨Tip Number 1
Network like a pro! Reach out to people in the financial crime sector, especially those at Capital on Tap. A friendly chat can open doors and give you insights that might just set you apart from other candidates.
✨Tip Number 2
Prepare for the interview by brushing up on your knowledge of enhanced due diligence and KYB requirements. We want to see that you can confidently discuss complex ownership structures and risk-based decision making.
✨Tip Number 3
Showcase your analytical skills! Bring examples of how you've tackled suspicious activity or complex investigations in the past. We love seeing how you think and solve problems.
✨Tip Number 4
Don’t forget to apply through our website! It’s the best way to ensure your application gets noticed. Plus, we aim to respond quickly, so you won’t be left hanging for long.
We think you need these skills to ace Financial Crime Officer - Enhanced Due Diligence (Manchester) Manchester
Some tips for your application 🫡
Tailor Your CV: Make sure your CV is tailored to the Financial Crime Officer role. Highlight your experience with enhanced due diligence and any relevant qualifications. We want to see how your skills match what we're looking for!
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 you can contribute to our team. Keep it concise but impactful – we love a good story!
Showcase Your Analytical Skills: In your application, don’t forget to showcase your analytical and investigative skills. Give examples of how you've tackled complex ownership structures or identified suspicious activities in the past. We’re all about problem solvers!
Apply Through Our Website: We encourage you to apply through our website for a smoother process. It helps us keep track of your application and ensures you get the best experience possible. Plus, we aim to respond within 3 working days!
How to prepare for a job interview at Capital on Tap
✨Know Your Financial Crime Basics
Before the interview, brush up on your knowledge of financial crime regulations, especially around enhanced due diligence (EDD) and Know Your Business (KYB) requirements. Being able to discuss these topics confidently will show that you understand the role and its responsibilities.
✨Prepare Real-World Examples
Think of specific instances from your past experience where you've successfully handled complex ownership structures or identified suspicious activity. Use the STAR method (Situation, Task, Action, Result) to structure your answers, making it easier for the interviewer to follow your thought process.
✨Showcase Your Analytical Skills
Since the role requires strong analytical abilities, be ready to discuss how you approach problem-solving. You might even want to prepare a mini-case study or example of how you’ve analysed corporate structures or assessed risk in previous roles.
✨Engage with Questions
Interviews are a two-way street! Prepare thoughtful questions about the team dynamics, ongoing projects, or how Capital on Tap approaches emerging financial crime typologies. This not only shows your interest but also helps you gauge if the company is the right fit for you.