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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: Hybrid work model, competitive salary, and opportunities for career growth.
- Why this job: Make a real impact in financial crime prevention while developing your skills.
- Qualifications: Experience in financial crime roles and strong analytical skills required.
- Other info: Dynamic team environment with a focus on innovation and collaboration.
The predicted salary is between 28800 - 48000 £ per year.
Join to apply for the FinCrime CDD Analyst role at Capital on Tap. We are Capital on Tap, 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 joining our First Line of Defence Financial Crime team in the Manchester office. Office attendance is required 3 days per week with working hours 9‑5:30 pm Monday to Friday. The Financial Crime team consists of 62 people globally and is responsible for ensuring 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.
We’re Looking For
Required 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.
Desirable skills:
- A recognised AML or Financial Crime qualification (e.g., ICA, ACAMS) is a plus, but not essential.
Other Info
Check out our 'Top Tips' for interviewing. Keep updated on new job opportunities by following us on LinkedIn. Email careers@capitalontap.com if you have any questions. Apply if you’d like to progress your career within our fast growing, profitable fintech.
FinCrime CDD Analyst in Manchester 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 in Manchester
✨Tip Number 1
Network like a pro! Reach out to current employees at Capital on Tap via LinkedIn. A friendly message can go a long way in getting insider info and maybe even a referral.
✨Tip Number 2
Prepare for the interview by brushing up on your knowledge of AML and CDD regulations. We want to see that you’re not just a fit on paper but also ready to tackle real-world challenges.
✨Tip Number 3
Showcase your analytical skills during the interview. Bring examples of how you've identified red flags or handled complex ownership structures in past roles. We love seeing problem solvers!
✨Tip Number 4
Don’t forget to apply through our website! It’s the best way to ensure your application gets seen by the right people. Plus, we aim to get back to you quickly, so keep an eye on your inbox!
We think you need these skills to ace FinCrime CDD Analyst in Manchester
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 financial crime roles. 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 excited about the role and how you can contribute to our mission at Capital on Tap. Keep it concise but impactful – we love a good story!
Showcase Your Analytical Skills: Since this role requires strong analytical abilities, make sure to include examples of how you've successfully identified risks or unusual patterns in previous roles. We want to see your investigative side in action!
Apply Through Our Website: Don't forget to apply through our website! It’s the best way to ensure your application gets to us directly. Plus, it shows you're keen on joining our team at Capital on Tap. We can't wait to hear from you!
How to prepare for a job interview at Capital on Tap
✨Know Your Financial Crime Basics
Brush up on your understanding of AML and CDD regulations, especially in the UK and US. Being able to discuss these topics confidently will show that you’re serious about the role and understand the importance of compliance.
✨Demonstrate Analytical Skills
Prepare to showcase your analytical abilities by discussing past experiences where you identified red flags or suspicious activities. Use specific examples to illustrate how you approached these situations and what the outcomes were.
✨Engage with Real Scenarios
Think of potential scenarios you might face in the role, such as verifying ownership structures or assessing business activities. Be ready to explain how you would handle these situations, demonstrating your problem-solving skills and attention to detail.
✨Communicate Clearly and Confidently
Practice articulating your thoughts clearly, especially when discussing complex financial concepts. Remember, you’ll need to interact with both internal stakeholders and customers, so showing that you can communicate effectively is key.
