Financial Crime Compliance Specialist

Capital on Tap

We’re Capital on Tap 👋 💳 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. 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.  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!  🏡🏢This is a Hybrid role, the Financial Crime Compliance team working from our London (Moorgate) office 3 days per week. Financial Crime Compliance at Capital on Tap The Financial Crime function is responsible for the ongoing management of the company’s Financial Crime policies, procedures and controls. This includes risk assessment and ongoing assurance of AML compliance, business advisory and management of high risk customer and suspicious activity escalations.  What You’ll Be Doing You will deputise for the MLRO, managing a growing team of Financial Crime Compliance Professionals. Providing advice to first line operational functions and other areas of the business as appropriate.  * DMLRO: Support the MLRO in the development and ongoing management of our AML policies and procedures in line with statutory obligations and company risk appetite. * Operational excellence: Provide expert guidance to both 1LoD and 2LoD operations and review escalations related to suspicious activity, sanctions, PEPs, adverse media, complex ownership and high risk customers. * SME: Act as a SME for both current and emerging regulatory obligations ensuring our assessment and subsequent management of risk is appropriate and aligned to the company risk appetite on an ongoing basis. * External stakeholders: Liaise with Law Enforcement, regulators and Partner Banks as a primary point of contact for investigations, reporting, audits and other ad hoc requests. * Internal stakeholders: Establish strong relationships with applicable stakeholders and become the go to person for FC advisory within the business. * Training: Develop targeted training for 1LoD and 2LoD financial crime teams and other parts of the business. * MI: Feed into the MI framework and highlight financial crime risks to the business on an ongoing basis. * Controls: Feed into the ongoing maintenance of onboarding and ongoing due diligence controls. Bring hands on experience to assess and update existing controls to at a minimum industry standard. We’re Looking For 🔎 Required skills: * A solid understanding of complex ownership structures for SME businesses in the UK and US as a minimum.  * Complex investigation skills required whether it be from ownership structures at onboarding to unravelling complex transaction patterns to identify anomalies on an ongoing basis.  * Able to communicate effectively with stakeholders at every level in the organisation. * Able to manage multiple ongoing projects both within the FinCrime space and in product development.  * Deep technical knowledge of AML/CTF regulations and regulatory expectations. * Proficient in quantifying abstract threats and determining if a client’s risk profile aligns with the firm’s "risk appetite” as well as having the confidence to make high-stakes "go/no-go" decisions on suspicious clients under time and commercial pressure. * The skill to explain complex compliance failures to non-experts and justify SAR filings to law enforcement. * Ability to maintain external awareness of the regulatory environment, ensuring risk assessment and policies and procedures are updated as required.  * Previous management experience within Financial Crime. Nice to have skills: * Strong presenting skills, able to break complex subject matter down into simple terms. * Experience with SQL and strong Excel skills. * Appropriate industry accreditation such as ICA Diploma or ACAMs. Diversity & Inclusion 🌈 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. Great Work Deserves Great Perks 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: 🏥 Private Healthcare including dental and opticians services through Vitality ✈️ Worldwide travel insurance through Vitality 🎁 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 Check out more of our benefits, values and mission here. Other Info 👍Check out our ‘Top Tips’ for interviewing. ✔️Keep updated on new job opportunities by following us on Linkedin. 📧Email careers@capitalontap.com if you have any questions. Excited to work here? Apply! 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.)

Capital on Tap

We’re Capital on Tap 👋 💳 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. 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.  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!  🏡🏢This is a Hybrid role, with a minimum of 3 days a week in our London office. Risk & Compliance at Capital on Tap The Risk & Compliance team is the second line of defence at Capital on Tap, working at the intersection of regulation, product and business growth. As our Risk & Compliance Assurance Manager, you'll develop the compliance monitoring plan, co-ordinating with other second line teams, develop and maintain monitoring best practice, and independently test how well the business is managing risk and complying with the rules, providing oversight, challenge and governance that gives the Risk Committee, regulators and partner banks confidence that controls are working as intended. The Role This is a senior leadership role for someone who has built and run an independent monitoring programme before and wants to do it again at a fast-growing FinTech. You'll own the Risk and Compliance Monitoring Plan, design the thematic reviews and control tests that pressure-test first-line controls, and lead the follow-up of actions to closure. The ideal candidate will combine significant monitoring expertise, analytical judgement, and a pragmatic, problem-solving and risk-based approach. What You’ll Be Doing * Monitoring Leadership: Lead Capital on Tap's Risk and Compliance Monitoring Plan, sitting in the second line, operating independently from the advisory team. Provide oversight, challenge and governance to the first line. * Risk-Based Plan Design: Design a risk-based monitoring plan. Set the standards for how reviews are scoped, conducted and reported. * Thematic Reviews & Control Tests: Design and conduct thematic reviews and control tests, with particular focus across risk and regulatory compliance, that assess whether first-line risk and compliance controls are working as intended across products, processes and partner banks. * Cross-Team Co-ordination: Co-ordinate monitoring across UK Compliance, Financial Crime and US Compliance teams. Share standards and findings to lift the overall quality bar. * Action Tracking & Closure: Own follow-up of monitoring actions to closure. Surface ageing actions to the Risk Committee and engage the business constructively where actions are not progressing. * Risk Committee Reporting: Produce monitoring reporting for the Risk Committee, senior leadership and partner banks. Translate findings into clear, actionable recommendations the business can implement. * Quality Assurance of Reviews: Quality-assure monitoring reviews carried out by other areas, ensuring independence and consistency of approach. * Business Enablement: Provide pragmatic, business-minded challenge that helps the first line improve controls. We’re Looking For * Independent Monitoring Experience: Hands-on experience owning or running a Compliance Monitoring or independent assurance programme in a UK FCA-regulated firm. Designing and running reviews end-to-end, not just participating in them. * Second-Line Mindset: Proven experience operating in the second line, independent of the first line. Confident providing constructive challenge to the business when controls fall short. * Risk-Based Planning: Track record of building risk-based monitoring plans. * Regulatory Expertise: Solid working knowledge of FCA SYSC and the EMD/PSD regime, applied in practice, not just in theory. * Control Testing: Demonstrable experience designing thematic reviews and control tests, including confidence in analysing data and systems. * Stakeholder Influence: Confident presenting findings and recommendations to senior stakeholders, governance forums and partner banks. * Action Tracking Discipline: Track record of driving monitoring actions to closure, including navigating the harder conversations about ageing actions. * Analytical & Written Communication: Clear, evidence-based reports and policy documents. Nice To Have * FinTech / Payments Background: Experience in an FCA-regulated EMI, payments or banking firm, with recent experience in fraud, safeguarding, or operational resilience is helpful. * Cross-Jurisdictional Monitoring: Experience co-ordinating monitoring across multiple jurisdictions (for example UK and US) or across financial crime and broader compliance. * Professional Qualifications: A recognised qualification such as ICA Diploma in Compliance, ACAMS, IIA, or equivalent. Big 4 or consulting background in financial services compliance or audit also welcome. Diversity & Inclusion 🌈 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. Great Work Deserves Great Perks 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: 🏥 Private Healthcare including dental and opticians services through Vitality ✈️ Worldwide travel insurance through Vitality ❤️ Access to a women's 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 Check out more of our benefits, values and mission here. Other Info 👍Check out our ‘Top Tips’ for interviewing. ✔️Keep updated on new job opportunities by following us on Linkedin. 📧Email careers@capitalontap.com if you have any questions. Excited to work here? Apply! 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.)

Moneybox

We are looking for a senior, experienced compliance professional to run Compliance at Moneybox. You will report to the VP Risk & Compliance and work alongside the Data Protection, Financial Crime and Risk teams that make up the Risk & Compliance function.  The Compliance team is responsible for both compliance advice and second line assurance, with regards to all our products regulated by the Financial Conduct Authority (FCA). Your role is to ensure this is delivered effectively, efficiently and pragmatically, as well providing your own advice to and oversight of the business. Stakeholder management and leading the team to work in a curious and collegiate way with other teams is a key aspect of this role. You’ll also need to have experience, and be confident, in reporting at the most senior levels of the business, including the Executive Committee and Board, as well as interacting with the FCA as required.