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About the Role
The Financial Crime Compliance team is responsible for managing the company’s financial crime policies, procedures, and controls. This role provides oversight, challenge, and governance, handling escalations from the 1st line of defense that may result in reporting and/or offboarding decisions.
Responsibilities
- Support the Head of FinCrime in owning and running Capital on Tap's compliance monitoring programme.
- Design thematic reviews and control tests to assess the effectiveness of 1st line financial crime controls.
- Maintain and develop AML/CTF policies, procedures, and risk appetite standards.
- Support the completion of the business-wide Financial Crime Risk Assessment (FCRA).
- Identify areas of emerging risk and recommend proportionate controls.
- Review internal UAR referrals from the 1st line and other business areas.
- Challenge the quality of SARs and support the MLRO on external disclosure decisions.
- Act as the 2nd line subject matter expert for complex financial crime escalations.
- Provide a governance view on escalations including PEPs, sanctions, adverse media, complex ownership structures, and high-risk onboarding.
- Produce management information and compliance reporting for senior leadership and governance committees.
- Support horizon scanning activity and translate regulatory change into practical impact assessments.
- Coordinate with internal teams on law enforcement enquiries and partner bank requests.
- Ensure appropriate documentation and oversight for law enforcement and partner bank requests.
Requirements
- At least 3 years operating in a 2nd line financial crime or AML compliance function within a regulated UK financial services firm, focusing on Business customers.
- Demonstrable experience designing or running a compliance monitoring or control testing programme.
- Strong working knowledge of the UK Money Laundering Regulations 2017, JMLSG guidance, and POCA.
- Experience contributing to or owning a financial crime risk assessment at a business or product level.
- Ability to review SAR quality and challenge 1st line decision-making.
- Comfortable presenting findings and recommendations to senior stakeholders and governance forums.
- Sharp analytical thinking and clear written communication skills.
- Comfortable working independently and challenging the business constructively.
Skills
- Financial crime compliance
- AML compliance
- Business customer focus
- Compliance monitoring programme design/operation
- Control testing
- UK Money Laundering Regulations 2017
- JMLSG guidance
- POCA
- Financial crime risk assessment
- SAR quality review
- Challenging decision-making
- Presentation skills
- Analytical thinking
- Written communication
- Independent work
- Constructive challenge
- SQL
- Excel
- ICA Diploma
- ACAMs
Location
- London (Moorgate)
Work Type
- Hybrid
Experience Level
- At least 3 years
Education Level
- ICA Diploma
- ACAMs
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 our offices
About the Company
- Capital on Tap started because small businesses were underserved by big banks.
- Capital on Tap is a financial platform offering a business credit card, spend management platform, savings product, and other financial tools.
- The company has 1,000+ employees, £20bn in annual card spend, 200,000+ customers, and 17,000+ Trustpilot reviews averaging 4.7 stars.
- Capital on Tap is profitable and growing.
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.