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- Tasks: Support the Financial Crime team in managing AML/CTF compliance and risk assessments.
- 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 an impact in a dynamic team while developing your skills in financial crime prevention.
- Qualifications: 3+ years in CDD or EDD, with a solid grasp of UK Money Laundering Regulations.
- Other info: Hybrid role based in Cardiff; enjoy a vibrant office culture with fun amenities.
The predicted salary is between 28800 - 43200 £ 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 position within our Financial Crime team, based in our Cardiff office three days per week. Working hours are 9:00am - 5:30pm, Monday to Friday.
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 regarding AML and CTF.
What You’ll Be Doing You will support the 1st line Financial Crime Team to oversee adherence to the business’ AML/CTF program through:
- Acting as a subject matter expert for financial crime escalations from the 1st line FinCrime Operations team and other areas of the business.
- Assisting with Adverse Media, PEPs, Sanctions, Complex Ownership, and High-Risk onboarding escalations.
- Reviewing internal suspicious activity reports raised from other areas such as credit or customer operations, supporting the preparation of SAR drafts where appropriate.
- Ensuring AML policies, procedures, and standards are followed and upheld.
- Managing our AML/CTF risk assessment, identifying emerging and ongoing risks, and recommending controls to mitigate them.
- Participating in team meetings, sharing knowledge on emerging trends and threats to build a high-performing team.
- Having at least 3 years of experience making independent, complex risk-based assessments in CDD or EDD, and AML investigations.
- Possessing a thorough understanding of the UK’s Money Laundering Regulations and/or JLMSG, gained through practical experience or relevant qualifications.
- Understanding AML risk assessments, horizon scanning, and gap analysis.
- Providing advice on financial crime risks and acting as a subject matter expert.
- Writing clear, concise, and detailed suspicious activity reports.
- Communicating decisions effectively to internal teams, senior leadership, or customers.
- Asking questions and suggesting improvements confidently.
- Maintaining attention to detail and working efficiently in a high-volume environment.
Diversity & Inclusion We welcome and encourage applications from anyone committed to inclusivity. Join us in creating a space where authenticity thrives, and everyone can do their best work.
Great Work Deserves Great Perks Our office features amenities like a pool table, arcade machine, beer tap, and office dogs. Benefits include:
- 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
More about our benefits, values, and mission can be found here.
The recruitment process involves:
- 30-minute intro and values call with Talent Partner (Video)
- 45-minute interview with Financial Crime Manager (In person)
- 30-minute interview with FinCrime Compliance team (Video)
Apply Now! If you’re interested in growing your career with our fintech, click apply. We aim to respond within 3 days, or up to 5 during busy periods.
Financial Crime Specialist employer: Capital on Tap
Contact Detail:
Capital on Tap Recruiting Team
StudySmarter Expert Advice 🤫
We think this is how you could land Financial Crime Specialist
✨Tip Number 1
Familiarise yourself with the latest trends and regulations in financial crime, particularly the UK's Money Laundering Regulations. This knowledge will not only help you during interviews but also demonstrate your commitment to staying updated in this fast-evolving field.
✨Tip Number 2
Network with professionals in the financial crime sector, especially those who work in AML/CTF roles. Engaging with industry experts can provide valuable insights and may even lead to referrals or recommendations for the position at Capital on Tap.
✨Tip Number 3
Prepare to discuss specific examples from your past experience where you've successfully managed complex risk assessments or escalations. Being able to articulate these situations clearly will showcase your expertise and problem-solving skills.
✨Tip Number 4
Demonstrate your ability to work collaboratively by preparing to discuss how you've contributed to team success in previous roles. Capital on Tap values teamwork, so highlighting your collaborative experiences will resonate well during the interview process.
We think you need these skills to ace Financial Crime Specialist
Some tips for your application 🫡
Understand the Role: Before applying, make sure you fully understand the responsibilities of a Financial Crime Specialist at Capital on Tap. Familiarise yourself with AML/CTF regulations and the specific tasks mentioned in the job description.
Tailor Your CV: Customise your CV to highlight relevant experience, especially your background in financial crime, AML investigations, and risk assessments. Use keywords from the job description to ensure your application stands out.
Craft a Compelling Cover Letter: Write a cover letter that showcases your passion for helping small businesses and your expertise in financial crime. Mention specific examples of how you've successfully managed risks or contributed to compliance in previous roles.
Prepare for Interviews: Anticipate questions related to financial crime, AML policies, and your problem-solving skills. Be ready to discuss your experience with suspicious activity reports and how you stay updated on emerging trends in financial crime.
How to prepare for a job interview at Capital on Tap
✨Know Your AML/CTF Regulations
Make sure you have a solid understanding of the UK's Money Laundering Regulations and the Joint Money Laundering Steering Group (JMLSG) guidelines. Be prepared to discuss how these regulations apply to the role and share examples from your experience.
✨Demonstrate Your Risk Assessment Skills
Be ready to showcase your ability to make independent, complex risk-based assessments. Prepare specific examples of past situations where you identified risks and recommended controls to mitigate them.
✨Communicate Clearly and Confidently
Since you'll be communicating decisions to various stakeholders, practice articulating your thoughts clearly. Use concise language when discussing suspicious activity reports and ensure you can explain your reasoning effectively.
✨Show Enthusiasm for Team Collaboration
Capital on Tap values teamwork, so express your willingness to share knowledge and learn from others. Highlight any previous experiences where you contributed to a team’s success or helped improve processes.
