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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, including risk assessment, AML compliance, business advisory, and handling escalations for high-risk customers and suspicious activities.
Responsibilities
- Provide oversight, challenge, and governance to the 1st line FinCrime Operations team.
- Handle escalations from 1st line that may result in reporting and/or offboarding decisions.
- Support the MLRO in owning and running Capital on Tap's compliance monitoring programme.
- Design thematic reviews and control tests to assess 1st line financial crime controls.
- Maintain and develop AML/CTF policies, procedures, and risk appetite standards.
- Draft policy updates in response to regulatory change, monitoring findings, QA output, and internal audit recommendations.
- Support the completion of the business-wide Financial Crime Enterprise Wide Risk Assessment (EWRA).
- Identify areas of emerging risk and recommend proportionate controls.
- Lead 2LoD financial crime review of new product and change initiatives.
- Provide independent risk assessment and recommend next steps to the MLRO prior to go-live.
- Produce management information and compliance reporting for senior leadership and governance committees.
- Support horizon scanning activity and translate regulatory change into practical impact assessments.
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, applied in practice.
- Experience contributing to or owning a financial crime risk assessment at a business or product level.
- 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
- AML compliance
- Risk assessment
- Business advisory
- Suspicious activity escalations
- Compliance monitoring
- Control testing
- Policy development
- Regulatory change management
- Financial crime risk assessment
- Stakeholder presentation
- Analytical thinking
- Written communication
Location
- London (Moorgate)
Work Type
- Hybrid
Experience Level
- 3+ years
Benefits
- Private Healthcare including dental and opticians services through Vitality
- Worldwide travel insurance through Vitality
- Access to a reproductive and hormonal health platform via Hertility
- 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.
- We are a financial platform offering a best-in-class business credit card, SME-focused spend management platform, a savings product, and a growing suite of tools.
- We have 1,000+ employees, £20bn in annual card spend, 200,000+ customers, and 17,000+ Trustpilot reviews averaging 4.7 stars.
- We are a profitable company and are just getting started.
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.