Financial Crime Team Leader

<div class="content-intro"><p><span style="font-family: verdana, geneva, sans-serif; font-size: 12pt;"><strong>We’re Capital on Tap 👋<br></strong></span><span style="font-family: verdana, geneva, sans-serif; font-size: 12pt;">💳 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.</span></p> <p><span style="font-family: verdana, geneva, sans-serif; font-size: 12pt;">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.&nbsp;</span></p> <p><span style="font-family: verdana, geneva, sans-serif; font-size: 12pt;">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!&nbsp;</span></p></div><p></p> <p><span style="font-family: verdana, geneva, sans-serif; font-size: 12pt;">📍 Cardiff | 🏢 3 days per week in the office</span></p> <p><span style="font-family: verdana, geneva, sans-serif; font-size: 12pt;"><strong>Financial Crime / Customer Operations 🚀</strong><strong><br></strong>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.</span></p> <p><span style="font-family: verdana, geneva, sans-serif; font-size: 12pt;"><strong>Key Responsibilities 👏</strong></span></p> <ul> <li style="font-family: verdana, geneva, sans-serif; font-size: 12pt;">Lead a high-performing team of Financial Crime Analysts who serve our customers across the UK &amp; US. You’ll drive professional growth through tailored coaching, regular 1-to-1s, and a commitment to building an investigative mindset.</li> <li style="font-family: verdana, geneva, sans-serif; font-size: 12pt;">Conduct regular reviews of team decisions and documentation. You’ll ensure that every rationale is technically sound, robustly defended, and perfectly aligned with our risk appetite.</li> <li style="font-family: verdana, geneva, sans-serif; font-size: 12pt;">Expertly manage global workflows and resources, ensuring our teams meet internal SLAs without compromising on quality or detail.</li> <li style="font-family: verdana, geneva, sans-serif; font-size: 12pt;">Champion a culture of continuous improvement, empowering the team to proactively identify and implement process enhancements that keep us ahead of financial crime.</li> <li style="font-family: verdana, geneva, sans-serif; font-size: 12pt;">Act as the final authority on complex SME investigations. You’ll navigate the nuances of UK and US business structures, making decisive, risk-based calls on the most challenging cases.</li> <li style="font-family: verdana, geneva, sans-serif; font-size: 12pt;">Leverage technology to automate manual hurdles, managing risk more effectively while significantly enhancing the experience for our customers<strong style="font-family: Helvetica, Arial, sans-serif; font-size: 14px;">.</strong></li> </ul> <p><span style="font-family: verdana, geneva, sans-serif; font-size: 12pt;"><strong>We’re Looking For 🔍</strong></span></p> <ul> <li style="font-family: verdana, geneva, sans-serif; font-size: 12pt;"><span style="font-family: verdana, geneva, sans-serif; font-size: 12pt;">An experienced Financial Crime Team Leader specialising in the end-to-end Customer Lifecycle; specifically an expert in CDD/EDD and the complexities of Beneficial Ownership (BO) for corporate entities, alongside robust Transaction Monitoring oversight, or Onboarding and Screening (PEPs, Sanctions, Adverse Media).</span></li> <li style="font-family: verdana, geneva, sans-serif; font-size: 12pt;"><span style="font-family: verdana, geneva, sans-serif; font-size: 12pt;">An adaptable and pragmatic leader with a hands-on, solutions-driven approach to problem solving.&nbsp;</span></li> <li style="font-family: verdana, geneva, sans-serif; font-size: 12pt;"><span style="font-family: verdana, geneva, sans-serif; font-size: 12pt;">A proven track record of leading high-performing teams in fast-paced, dynamic environments.</span></li> <li style="font-family: verdana, geneva, sans-serif; font-size: 12pt;"><span style="font-family: verdana, geneva, sans-serif; font-size: 12pt;">An analytical thinker skilled in interpreting complex data and driving evidence-based decision-making.</span></li> </ul> <p><span style="font-family: verdana, geneva, sans-serif; font-size: 12pt;"><strong>Diversity &amp; Inclusion 🌈</strong><strong><br></strong>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.</span></p> <p><span style="font-family: verdana, geneva, sans-serif; font-size: 12pt;"><strong>Great Work Deserves Great Perks</strong><strong><br></strong>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:</span></p> <p><span style="font-family: verdana, geneva, sans-serif; font-size: 12pt;">🏥 Private Healthcare including dental and optician services through Vitality</span><br><span style="font-family: verdana, geneva, sans-serif; font-size: 12pt;">✈️ Worldwide travel insurance through Vitality</span><br><span style="font-family: verdana, geneva, sans-serif; font-size: 12pt;">🎁 Anniversary Rewards (£250, £500, £750, 4-week fully paid sabbatical)</span><br><span style="font-family: verdana, geneva, sans-serif; font-size: 12pt;">👛 Salary Sacrifice Pension Scheme up to 7% match</span><br><span style="font-family: verdana, geneva, sans-serif; font-size: 12pt;">🚘 Lease a brand-new electric car through our Octopus EV salary sacrifice scheme</span><br><span style="font-family: verdana, geneva, sans-serif; font-size: 12pt;">🏖️ 28 days holiday (plus bank holidays)</span><br><span style="font-family: verdana, geneva, sans-serif; font-size: 12pt;">📖 Annual Learning and Wellbeing Budget</span><br><span style="font-family: verdana, geneva, sans-serif; font-size: 12pt;">👪 Enhanced Parental Leave</span><br><span style="font-family: verdana, geneva, sans-serif; font-size: 12pt;">🚲 Cycle to Work Scheme</span><br><span style="font-family: verdana, geneva, sans-serif; font-size: 12pt;">🚂 Season Ticket Loan</span><br><span style="font-family: verdana, geneva, sans-serif; font-size: 12pt;">💬 6 free therapy sessions per year</span><br><span style="font-family: verdana, geneva, sans-serif; font-size: 12pt;">🐶 Dog Friendly Offices</span><br><span style="font-family: verdana, geneva, sans-serif; font-size: 12pt;">🍫 Free drinks and snacks in our offices</span></p> <p><span style="font-family: verdana, geneva, sans-serif; font-size: 12pt;">Check out more of our benefits, values, and mission<a href="https://www.capitalontap.com/en/company/careers/"> here</a>.</span></p><div class="content-conclusion"><p><strong><span style="font-size: 12pt; font-family: verdana, geneva, sans-serif;">Other Info<br></span></strong><span style="font-size: 12pt; font-family: verdana, geneva, sans-serif;">👍Check out our&nbsp;<a href="https://www.capitalontap.com/en/blog/posts/acing-your-interviews-with-capital-on-tap/">‘Top Tips’ for interviewing.</a><br></span><span style="font-size: 12pt; font-family: verdana, geneva, sans-serif;">✔️Keep updated on new job opportunities by following us on <a href="https://www.linkedin.com/company/capital-on-tap">Linkedin</a>.<br></span><span style="font-size: 12pt; font-family: verdana, geneva, sans-serif;">📧Email <a href="mailto:careers@capitalontap.com">careers@capitalontap.com</a> if you have any questions.</span></p> <p><span style="font-family: verdana, geneva, sans-serif; font-size: 12pt;"><strong>Excited to work here? Apply!<br></strong></span><span style="font-family: verdana, geneva, sans-serif; font-size: 12pt;">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.)</span></p></div>