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;">📍 Cardiff | 🏢 3 days a week in the office</span></p> <p><span style="font-family: verdana, geneva, sans-serif; font-size: 12pt;"><strong>Financial Crime / Customer Operations 🚀</strong></span></p> <p><span style="font-family: verdana, geneva, sans-serif; font-size: 12pt;"><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>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> <p><span style="font-family: verdana, geneva, sans-serif; font-size: 12pt;"><strong>Our Values &amp; Culture 🌞</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;"><strong>Just Pilot:</strong> We never settle for “good enough”. We pilot new ideas fast, ask questions to figure it out, and scale quickly.</span></li> <li style="font-family: verdana, geneva, sans-serif; font-size: 12pt;"><span style="font-family: verdana, geneva, sans-serif; font-size: 12pt;"><strong>Why Not Today? </strong>Fast is as slow as we go - speed and simplicity gives us a competitive advantage.</span></li> <li style="font-family: verdana, geneva, sans-serif; font-size: 12pt;"><span style="font-family: verdana, geneva, sans-serif; font-size: 12pt;"><strong>Be a Buddy:</strong> We tap in from day one to help the team, we do the right thing even if it’s hard.</span></li> <li style="font-family: verdana, geneva, sans-serif; font-size: 12pt;"><span style="font-family: verdana, geneva, sans-serif; font-size: 12pt;"><strong>Owners and Dates:</strong> We don’t chase people. If you own a task and agree to a date, the expectation is that it gets done.</span></li> <li style="font-family: verdana, geneva, sans-serif; font-size: 12pt;"><span style="font-family: verdana, geneva, sans-serif; font-size: 12pt;"><strong>Feedback: </strong>We want our employees to flourish, so we regularly provide direct and constructive feedback.</span></li> </ul> <h2><span style="font-family: verdana, geneva, sans-serif; font-size: 12pt;"><strong>We’re Looking For 🔎</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;">📈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;"><strong>Interview Process 🤝</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;">Stage 1: 30 minute call with a Talent Partner</span></li> <li style="font-family: verdana, geneva, sans-serif; font-size: 12pt;"><span style="font-family: verdana, geneva, sans-serif; font-size: 12pt;">Stage 2: 30 minute take home test to be completed in your own time</span></li> <li style="font-family: verdana, geneva, sans-serif; font-size: 12pt;"><span style="font-family: verdana, geneva, sans-serif; font-size: 12pt;">Stage 3: 60 minute interview in person with 2 of our Team Leaders in Financial Crime</span></li> </ul> <p><span style="font-family: verdana, geneva, sans-serif; font-size: 12pt;"><strong>Diversity &amp; Inclusion</strong> 🌈</span><br><span style="font-family: verdana, geneva, sans-serif; font-size: 12pt;">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><br><span style="font-family: verdana, geneva, sans-serif; font-size: 12pt;">🏥 Private Healthcare including dental and opticians 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;">🚘 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>