FinCrime CDD Analyst

<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><span style="font-family: verdana, geneva, sans-serif; font-size: 12pt;">📈Check out the <a href="https://progression.capitalontap.com/content/departments/fincrime/index.html">development opportunities</a> in the Financial Crime team.</span></p> <p><span style="font-family: verdana, geneva, sans-serif; font-size: 12pt;">🏡🏢This is a hybrid role joining our First Line of Defence Financial Crime team in the Manchester office. Office attendance is required 3 days per week with working hours 9-5:30pm Monday to Friday.</span></p> <p><span style="font-family: verdana, geneva, sans-serif; font-size: 12pt;"><strong>Financial Crime at Capital on Tap</strong></span></p> <p><span style="font-family: verdana, geneva, sans-serif; font-size: 12pt;">The Financial Crime team consists of 62 people globally. The team is responsible for ensuring that Capital on Tap meets its regulatory obligations in relation to all things AML and CTF.&nbsp;</span></p> <p><span style="font-family: verdana, geneva, sans-serif; font-size: 12pt;"><strong>What You’ll Be Doing</strong></span><br><br><span style="font-family: verdana, geneva, sans-serif; font-size: 12pt;">As a <strong>Customer Due Diligence (CDD) Analyst</strong>, you will be responsible for ensuring the integrity of our ongoing customer reviews. You will:</span></p> <ul> <li style="font-family: verdana, geneva, sans-serif; font-size: 12pt;"> <p><span style="font-family: verdana, geneva, sans-serif; font-size: 12pt;"><strong>Perform ongoing due diligence on SME customers</strong> in both the UK and US, focusing on maintaining accurate and up-to-date Know Your Business (KYB) records.</span></p> </li> <li style="font-family: verdana, geneva, sans-serif; font-size: 12pt;"> <p><span style="font-family: verdana, geneva, sans-serif; font-size: 12pt;"><strong>Review and verify beneficial ownership structures</strong>, ensuring all individuals with significant control are identified and recorded accurately within our systems.</span></p> </li> <li style="font-family: verdana, geneva, sans-serif; font-size: 12pt;"> <p><span style="font-family: verdana, geneva, sans-serif; font-size: 12pt;"><strong>Assess the nature of business</strong> for existing customers to ensure their activities remain within Capital on Tap's risk appetite and regulatory standards.</span></p> </li> <li style="font-family: verdana, geneva, sans-serif; font-size: 12pt;"> <p><span style="font-family: verdana, geneva, sans-serif; font-size: 12pt;"><strong>Complete transaction monitoring checks</strong> to identify unusual patterns or activity, ensuring any potential risks are escalated or mitigated promptly.</span></p> </li> <li style="font-family: verdana, geneva, sans-serif; font-size: 12pt;"> <p><span style="font-family: verdana, geneva, sans-serif; font-size: 12pt;"><strong>Engage directly with customers</strong> when necessary to clarify ownership details, business activities, or to request updated documentation.</span></p> </li> <li style="font-family: verdana, geneva, sans-serif; font-size: 12pt;"> <p><span style="font-family: verdana, geneva, sans-serif; font-size: 12pt;"><strong>Make sound, risk-based decisions</strong> based on updated information, providing clear and documented rationale for all review outcomes.</span></p> </li> <li style="font-family: verdana, geneva, sans-serif; font-size: 12pt;"> <p><span style="font-family: verdana, geneva, sans-serif; font-size: 12pt;"><strong>Collaborate with the wider FinCrime team</strong> to share insights on emerging trends and contribute to the enhancement of ongoing review processes.</span></p> </li> </ul> <h2><span style="font-family: verdana, geneva, sans-serif; font-size: 12pt;"><strong>We’re Looking For</strong></span></h2> <h2><span style="font-family: verdana, geneva, sans-serif; font-size: 12pt;"><strong>Required skills:</strong></span></h2> <ul> <li style="font-family: verdana, geneva, sans-serif; font-size: 12pt;"> <p><span style="font-family: verdana, geneva, sans-serif; font-size: 12pt;"><strong>Experience in financial crime roles</strong>, specifically with customer due diligence (CDD) or ongoing monitoring responsibilities for SME corporate customers.</span></p> </li> <li style="font-family: verdana, geneva, sans-serif; font-size: 12pt;"> <p><span style="font-family: verdana, geneva, sans-serif; font-size: 12pt;"><strong>Strong understanding of KYB and CDD regulatory requirements</strong> across both UK and US jurisdictions.</span></p> </li> <li style="font-family: verdana, geneva, sans-serif; font-size: 12pt;"> <p><span style="font-family: verdana, geneva, sans-serif; font-size: 12pt;"><strong>Proven ability to analyse and record ownership and control structures</strong> accurately.</span></p> </li> <li style="font-family: verdana, geneva, sans-serif; font-size: 12pt;"> <p><span style="font-family: verdana, geneva, sans-serif; font-size: 12pt;"><strong>Experience in transaction monitoring</strong> and the ability to identify red flags or suspicious activity.</span></p> </li> <li style="font-family: verdana, geneva, sans-serif; font-size: 12pt;"> <p><span style="font-family: verdana, geneva, sans-serif; font-size: 12pt;"><strong>Strong analytical and investigative skills</strong> with high attention to detail in documenting findings.</span></p> </li> <li style="font-family: verdana, geneva, sans-serif; font-size: 12pt;"> <p><span style="font-family: verdana, geneva, sans-serif; font-size: 12pt;"><strong>Confident communicator</strong>, capable of interacting with internal stakeholders and external customers to resolve queries.</span></p> </li> <li style="font-family: verdana, geneva, sans-serif; font-size: 12pt;"> <p><span style="font-family: verdana, geneva, sans-serif; font-size: 12pt;"><strong>Ability to work efficiently</strong> in a high-volume, fast-paced environment while maintaining high quality standards.&nbsp;</span></p> </li> </ul> <p><span style="font-family: verdana, geneva, sans-serif; font-size: 12pt;">Desirable skills:</span></p> <p><span style="font-family: verdana, geneva, sans-serif; font-size: 12pt;">A recognised <strong>AML or Financial Crime qualification</strong> (e.g., ICA, ACAMS) is a plus, but not essential.</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>