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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 investigating escalations end-to-end, deciding customer relationship outcomes, and submitting disclosures to the NCA when suspicions are established.

Responsibilities

Investigate 1LOD escalations including transaction monitoring alerts, fraud referrals, adverse media, complex ownership, and PEP reviews.
Build a defensible evidence picture through transaction analysis, KYC/CDD review, open-source research, and engagement with the escalating team.
Decide customer outcomes (maintain, offboard, report to NCA) and document the rationale.
Draft and submit SARs and DAML requests via the SAR Portal, managing consent-regime timelines.
Sequence offboarding around pending DAML requests, adhering to s.333A POCA 'no tipping off' rules.
Handle sensitive escalations, including HR referrals, with discretion.
Maintain audit-ready case records for regulatory and law enforcement scrutiny.
Feed outcomes and typology trends back to 1LOD.

Requirements

Hands-on financial crime investigations experience in a regulated UK financial services firm, ideally in a 2nd line or escalations role.
First-hand experience drafting and submitting SARs and DAML requests to the NCA, including managing consent-regime timelines.
Strong knowledge of POCA 2002 (ss.330-333A, DAML), the Terrorism Act 2000, MLR 2017, JMLSG, and the FCA Financial Crime Guide.
Proficiency across typologies including money laundering, fraud, sanctions/PEP, adverse media, and complex ownership.
Ability to make independent judgements on maintain/offboard/report decisions, defensible in writing and in person.
Confidence to challenge 1st line escalation quality.
Sharp written communication skills for preparing records for the NCA, regulators, and auditors.

Skills

Transaction monitoring
Fraud referral analysis
Adverse media review
Complex ownership investigation
PEP review
KYC/CDD review
Open-source research
SAR drafting and submission
DAML request submission
POCA 2002
Terrorism Act 2000
MLR 2017
JMLSG
FCA Financial Crime Guide
Typology analysis
Written communication

Location

London (Moorgate)

Work Type

Hybrid

Experience Level

Ideally 2nd line or escalations experience

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 to address the underserved small business market, offering a financial platform with a best-in-class business credit card, SME-focused spend management, a savings product, and other tools to simplify running a small business.
The company has over 1,000 employees, processes £20bn in annual card spend, serves over 200,000 customers, and holds over 17,000 Trustpilot reviews averaging 4.7 stars. It 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.