We're Capital on Tap ðð3 Capital on Tap started because small businesses were underserved. Big banks were slow, their products weren't fit for purpose, and small business owners often couldn't access what they needed. Today we're a financial platform - not just a credit card company. We offer a best-in-class business credit card, SME-focused spend management platform, a savings product that hit 1 billion in funds within its first year, and a growing suite of tools and financial products that make running a small business easier. ð¡ðThis is a Hybrid role, the Financial Crime Compliance team working from our London (Moorgate) office 3 days per week.
Financial Crime Compliance at Capital on TapThe Financial Crime function 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 DoingYou'll sit in the 2nd line Financial Crime Compliance team, operating independently from 1st line FinCrime Operations, reporting to the Deputy MLRO. Investigate 1LOD escalations - transaction monitoring alerts, fraud referrals, adverse media, complex ownership, PEP reviews.
Build a defensible evidence picture: transaction analysis, KYC/CDD review, open-source research, and engagement with the escalating team.
Sequence offboarding around pending DAML requests, with no tipping off under s.Keep audit-ready case records that stand up to regulatory and law enforcement scrutiny.
What We're Looking ForHands-on financial crime investigations experience in a regulated UK financial services firm, ideally 2nd line or escalations.
330-333A, DAML), the Terrorism Act 2000, MLR 2017, JMLSG and the FCA Financial Crime Guide.
Confident across typologies - money laundering, fraud, sanctions/PEP, adverse media, complex ownership.
Independent judgement on maintain/offboard/report decisions, defensible in writing and in person.
Confidence to challenge 1st line escalation quality.
Diversity & Inclusion ðWe welcome, consider and encourage applications from anyone who shares our commitment to inclusivity. Great Work Deserves Great PerksWe 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:ð Private Healthcare including dental and opticians services through Vitality Worldwide travel insurance through Vitalityð Anniversary Rewards (250, 500, 750, 4-week fully paid sabbatical)ð Salary Sacrifice Pension Scheme up to 7% matchð 28 days holiday (plus
REGULATORY AFFAIRS SPECIALIST (F/M/D) in London employer: Capital On Tap
At Capital on Tap, we pride ourselves on fostering a dynamic and inclusive work culture that empowers our employees to thrive. As an Associate Legal Counsel in our London office, you will benefit from a hybrid working model, competitive remuneration, and ample opportunities for professional growth within the rapidly evolving Fintech sector. Join us to be part of a collaborative team that values innovation and supports your career development in a meaningful way.
