Reconciliation Operations (RecOps) Specialist

We’re Capital on Tap 👋
💳 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. We set out to fix that.

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. 

1,000 employees, £20bn in annual card spend, 200,000 customers, 17,000 Trustpilot reviews averaging 4.7 stars, and we're profitable. We’ve done a pretty good job so far, but we’re just getting started! 

📍 Cardiff | 🏢 3 days a week in office, 2 days at home 

RecOps 

Our reconciliations support Capital on Tap’s regulatory obligations as an FCA-regulated firm, in particular the safeguarding of customer funds. Accurate, timely reconciliations are a core part of how we evidence that those obligations are being met, so the quality of your work has a direct regulatory impact.

RecOps is a Finance Operations function, and you will be part of the Finance team. You will work exceptionally closely with TechOps, Data and Engineering, so you will see how the whole business fits together.

About the Role 🚀

We’re growing! This is a brand new function at Capital on Tap, and you will be the first person in it.  

You will own the reconciliation of all customer-facing bank operations, making sure the money that moves for our customers match across our banks, payment partners, card processors and internal systems. You will be the first point of contact for breaks, drive them to the root cause, you’ll have a real say in how the process is built from the ground up. This is a rare chance to define a function, set the standards for it and grow with it. 

What You’ll be Doing 🗃️ 

• Owning the daily reconciliation of customer-facing money movements across the UK and US.
• Investigating unmatched items and breaks, and work with Operations, Customer Support and other teams to resolve them.
• Keeping reconciliations current, with clear ownership, ageing of open items and sign-off evidence.
• Reporting regularly on reconciliation status, break volumes, ageing and root causes.
• Reviewing reconciliation processes and assess whether the controls around them are designed and operating effectively. Recommend and implement improvements. 
• Reconciling payments that need to be safeguarded on a daily basis, and report on them at the end of each day.

Our Values & Culture 🌞

• Just Pilot: We never settle for “good enough”. We pilot new ideas fast, ask questions to figure it out, and scale quickly.
• Why Not Today? Fast is as slow as we go - speed and simplicity gives us a competitive advantage.
• Be a Buddy: We tap in from day one to help the team, we do the right thing even if it’s hard.
• Owners and Dates: We don’t chase people. If you own a task and agree to a date, the expectation is that it gets done.
• Feedback: We want our employees to flourish, so we regularly provide direct and constructive feedback.

 We’re Looking For 🔎

• Understanding of how payments move and settle. 
• Able to work independently to strict deadlines. 
• Good Google Sheets or Excel Skills. 
• Strong attention to detail methodical approach to finding the root cause of breaks. 
• Experience of using AI tools to support your work.

Interview Process 🤝

• Stage 1: 30 minute intro and values call with a Talent Partner
• Stage 2: Take home assessment and a 60 minute interview with a manager
• Stage 3: 45 minute interview with a senior manager

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
We 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:
💷 Salary: £30,000-34,000 (depending on experience)

🏥 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

Check out more of our benefits, values and mission here.

Other Useful 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.

Excited to work here? Apply!
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.

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.

Excited to work here? Apply!
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.)