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About the Role

The Financial Crime team is responsible for managing the company’s Financial Crime policies, procedures, and controls, including risk assessment, AML compliance, business advisory, and managing high-risk customer escalations. This role involves deputizing for the MLRO and managing a team, providing expert guidance, and acting as a subject matter expert for regulatory obligations.

Responsibilities

• Deputize for the MLRO, managing a growing team of Financial Crime Compliance Professionals.
• Provide advice to first line operational functions and other business areas.
• Support the MLRO in developing and managing AML policies and procedures in line with statutory obligations and company risk appetite.
• Provide expert guidance to 1LoD and 2LoD operations.
• Review escalations related to suspicious activity, sanctions, PEPs, adverse media, complex ownership, and high-risk customers.
• Act as a SME for current and emerging regulatory obligations, ensuring risk assessment and management align with company risk appetite.
• Liaise with Law Enforcement, regulators, and Partner Banks as a primary point of contact for investigations, reporting, audits, and ad hoc requests.
• Establish strong relationships with applicable stakeholders and become the go-to person for FC advisory.
• Develop targeted training for 1LoD and 2LoD financial crime teams and other business areas.
• Feed into the MI framework and highlight financial crime risks to the business.
• Feed into the ongoing maintenance of onboarding and ongoing due diligence controls.
• Assess and update existing controls to at least industry standard.

Requirements

• Solid understanding of complex ownership structures for SME businesses in the UK and US.
• Complex investigation skills, including ownership structures and transaction patterns.
• Ability to communicate effectively with stakeholders at all levels.
• Ability to manage multiple ongoing projects within FinCrime and product development.
• Deep technical knowledge of AML/CTF regulations and regulatory expectations.
• Proficient in quantifying abstract threats and aligning client risk profiles with firm risk appetite.
• Confidence to make high-stakes 'go/no-go' decisions on suspicious clients under pressure.
• Skill to explain complex compliance failures to non-experts and justify SAR filings.
• Ability to maintain external awareness of the regulatory environment and update policies and procedures.
• Previous management experience within Financial Crime.

Skills

• Complex ownership structures
• Complex investigation
• Stakeholder communication
• Project management
• AML/CTF regulations
• Risk assessment
• Decision making
• Regulatory awareness
• Presenting skills
• SQL
• Excel skills

Location

• London (Moorgate)

Work Type

• Hybrid

Experience Level

• Management experience within Financial Crime

Education Level

• ICA Diploma or ACAMs (preferred)

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
• 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 offices

About the Company

• Capital on Tap started to address the underserved small business market, offering a financial platform with a best-in-class business credit card, spend management platform, savings product, and other tools.
• The company has over 1,000 employees, £20bn in annual card spend, 200,000+ customers, and over 17,000 Trustpilot reviews averaging 4.7 stars.
• Capital on Tap is a profitable fintech company.

Equal Opportunity

• 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.