FinCrime CDD Analyst

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 the office

Financial Crime / Customer Operations 🚀

Our Financial Crime team is growing quickly along with the company. They work on the front line to protect the company against financial crime such as money laundering and terrorist financing. From screening, onboarding, transaction monitoring through to CDD and EDD, they make decisions that really matter on a daily basis.

What You’ll Be Doing 🗃️

As a Customer Due Diligence (CDD) Analyst, you will be responsible for ensuring the integrity of our ongoing customer reviews. You will:

• 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.

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 🔎

• 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. 

📈Check out the development opportunities in the Financial Crime team.

Interview Process 🤝

• Stage 1: 30 minute call with a Talent Partner
• Stage 2: 30 minute take home test to be completed in your own time
• Stage 3: 60 minute interview in person with 2 of our Team Leaders in Financial Crime

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:
🏥 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 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.)