QA Analyst - FinCrime

<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 per week in the office</span></p> <p><span style="font-family: verdana, geneva, sans-serif; font-size: 12pt;"><strong>Quality Assurance/Customer Operations 🚀</strong><strong><br></strong>Our QA team is responsible for assessing the quality of the work that’s happening across Customer Operations. You’ll look at deep-dive technical audits of complex investigative cases and operational tasks. You’ll also deliver feedback to people across the business and give them development points to help ensure our customer experience remains fantastic!</span></p> <p><span style="font-family: verdana, geneva, sans-serif; font-size: 12pt;"><strong>What You’ll Be Doing 🗃️</strong></span></p> <p><span style="font-family: verdana, geneva, sans-serif; font-size: 12pt;">We are looking for analytical specialists who can bring deep subject matter expertise to our control environment. In particular, we are looking for someone with expertise in <strong>Financial Crime &amp; AML: </strong>You have experience auditing or investigating AML alerts, KYC/EDD files, and Sanctions screening, with a firm grasp of the Proceeds of Crime Act (POCA) and suspicious activity reporting (SAR).</span></p> <p><span style="font-family: verdana, geneva, sans-serif; font-size: 12pt;">Your mission is to ensure that every alert and SAR (Suspicious Activity Report) is handled with the highest level of integrity and technical accuracy. You will ensure our outcomes align strictly with FCA regulatory standards and the Proceeds of Crime Act (POCA).</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>Holistic Case &amp; Task Auditing: </strong>Conducting technical audits of end-to-end financial crime cases, alongside customer interactions to ensure full compliance with regulatory standards and internal risk appetite.</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>SLA &amp; Quality Oversight</strong>: Monitoring and assessing adherence to Service Level Agreements (SLAs) to ensure timely risk mitigation without compromising the depth or accuracy of investigations.</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>Advanced Risk Identification</strong>: Proactively identifying emerging risks, procedural gaps, or "near-misses" within case handlings and escalating significant findings to senior stakeholders.</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>Monthly MI &amp; Reporting</strong>: Developing comprehensive Monthly Management Information (MI) reports that translate audit data into actionable business insights.</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>Trend Analysis &amp; Feedback</strong>: Identifying systemic trends and root causes across the department to provide strategic feedback that shapes training, policy updates, and operational processes.</span></li> </ul> <p>&nbsp;</p> <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> <p><span style="font-family: verdana, geneva, sans-serif; font-size: 12pt;"><strong>We’re Looking For 🔎</strong></span></p> <p><span style="font-family: verdana, geneva, sans-serif; font-size: 12pt;">We want someone who’s passionate about doing right by customers and helping others be their best. You will be:</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>Experienced Investigator: </strong>You bring a solid background in Financial Crime, AML and KYC.&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;"><strong>Regulatory Mindset: </strong>You understand that a "great outcome" in FinCrime means an investigation that is technically accurate, fully documented, and compliant with FCA expectations, Consumer Duty&nbsp; and the Proceeds of Crime Act (POCA).</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>Confident Communicator:</strong> You are skilled at delivering constructive, evidence-based feedback. You can explain complex regulatory requirements to analysts and stakeholders in a way that drives performance and technical growth.</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>Analytical &amp; Detail-Oriented:</strong> You are familiar with Quality Assurance frameworks or able to transition naturally from deep-dive investigative work to QA responsibilities. You don't just "check" a task; you audit the decision-making process behind it.</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>Objective:</strong> You possess the "investigative curiosity" needed to spot what isn't there. You can remain objective when reviewing high-pressure tasks and SLAs, ensuring quality is never sacrificed for speed.</span></li> </ul> <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 intro and values 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: 45 minute interview with a QA Team Lead and Outcome Testing Manager</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: 30 minute interview with the Head of Customer Insights</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>