Senior Payments Operations Manager

QA Analyst - FinCrime

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!  📍 Manchester | 🏢 3 days per week in the office Quality Assurance/Customer Operations 🚀 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! What You’ll Be Doing 🗃️ 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 Financial Crime & AML: 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). 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). * Holistic Case & Task Auditing: Conducting technical audits of end-to-end financial crime cases, alongside customer interactions to ensure full compliance with regulatory standards and internal risk appetite. * SLA & Quality Oversight: Monitoring and assessing adherence to Service Level Agreements (SLAs) to ensure timely risk mitigation without compromising the depth or accuracy of investigations. * Advanced Risk Identification: Proactively identifying emerging risks, procedural gaps, or "near-misses" within case handlings and escalating significant findings to senior stakeholders. * Monthly MI & Reporting: Developing comprehensive Monthly Management Information (MI) reports that translate audit data into actionable business insights. * Trend Analysis & Feedback: Identifying systemic trends and root causes across the department to provide strategic feedback that shapes training, policy updates, and operational processes.   Our Values & Culture 🌞 * Just Pilot: We never settle for “good enough”. We pilot new ideas fast, ask questions to figure it out, and scale quickly. * Why Not Today? Fast is as slow as we go - speed and simplicity gives us a competitive advantage. * Be a Buddy: We tap in from day one to help the team, we do the right thing even if it’s hard. * Owners and Dates: We don’t chase people. If you own a task and agree to a date, the expectation is that it gets done. * Feedback: We want our employees to flourish, so we regularly provide direct and constructive feedback. We’re Looking For 🔎 We want someone who’s passionate about doing right by customers and helping others be their best. You will be: * Experienced Investigator: You bring a solid background in Financial Crime, AML and KYC.  * Regulatory Mindset: You understand that a "great outcome" in FinCrime means an investigation that is technically accurate, fully documented, and compliant with FCA expectations, Consumer Duty  and the Proceeds of Crime Act (POCA). * Confident Communicator: 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. * Analytical & Detail-Oriented: 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. * Objective: 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. Interview Process 🤝 * Stage 1: 30 minute intro and values call with a Talent Partner * Stage 2: 45 minute interview with a QA Team Lead and Outcome Testing Manager * Stage 3: 30 minute interview with the Head of Customer Insights 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 🚘 Octopus EV Salary Sacrifice Scheme 🏖️ 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.)

FinCrime Due Diligence Analyst

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!  📍 Manchester | 🏢 3 days per week in the office Financial Crime/Customer Operations 🚀 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.  What You’ll Be Doing 🗃️ * Conduct CDD and EDD on SME customers in both the UK and US, with a focus on Know Your Business (KYB) requirements during onboarding and throughout the customer lifecycle. * Independently scrutinise and assess beneficial and complex ownership structures, including layered entities, trusts, offshore elements, and funds, ensuring decisions align with Capital on Tap's risk appetite. * Investigate high-risk or suspicious activity by analysing corporate structures, customer profiles, and behaviour to identify and mitigate red flags and indicators of financial crime. * Engage directly with customers, when needed, to clarify business activities, ownership, or source of funds/wealth. * Make sound, risk-based decisions based on available information and documented rationale. * Handle Transaction Monitoring alerts and escalations in line with established procedures, ensuring both quality and timeliness are met. * Prepare Suspicious Activity Reports (SARs) for internal approval and external submission to relevant authorities (NCA, FINCEN). * Act as a subject matter expert for financial crime escalations, providing support across the wider FinCrime team and business. * Support continuous improvement by sharing insights on emerging financial crime typologies and contributing to enhancements in monitoring, onboarding, and ongoing review processes. Our Values & Culture 🌞 * Just Pilot: We never settle for “good enough”. We pilot new ideas fast, ask questions to figure it out, and scale quickly. * Why Not Today? Fast is as slow as we go - speed and simplicity gives us a competitive advantage. * Be a Buddy: We tap in from day one to help the team, we do the right thing even if it’s hard. * Owners and Dates: We don’t chase people. If you own a task and agree to a date, the expectation is that it gets done. * Feedback: We want our employees to flourish, so we regularly provide direct and constructive feedback. We’re Looking For 🔎 * Demonstrable experience in financial crime, specifically with CDD and EDD responsibilities for SME corporate customers in the UK and US. * Strong understanding of KYB regulatory requirements and expectations across both UK and US jurisdictions. * Experience of reviewing, assessing, and articulating risk of high risk customer bases, operating within higher risk industries and sectors.  * Demonstrated ability to independently review and analyse complex ownership structures, including trusts, funds, offshore vehicles, and multi-layered entities, and make risk-based decisions in line with company risk appetite. * Strong analytical, investigative, and report-writing skills with clear documentation of findings. * Exceptional attention to detail and the ability to work efficiently in a high-volume, fast-paced environment. * Confident communicator, capable of explaining complex decisions to both internal stakeholders and external customers. * Comfortable proactively raising questions and identifying areas for improvement. Interview Process 🤝 * Stage 1: 30 minutes with a Talent Partner * Stage 2: take home task * Stage 3: 60 minutes with a Team Leader and/or Senior Manager 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 🚘 Octopus EV Salary Sacrifice Scheme 🏖️ 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.)

Senior Payments Program Manager

Fresha

The AI-powered OS for beauty, wellness and self-care About Fresha Fresha is the AI-powered operating system for the global beauty, wellness and self-care industry, connecting and powering everything from salons and barbers to spas, medspas, fitness studios and health practices. Trusted by millions of consumers and businesses worldwide. Fresha is used by 140,000+ businesses and 450,000+ stylists and professionals worldwide, processing over 1 billion appointments to date. The company is headquartered in London, United Kingdom, with 15 global offices located across North America, EMEA and APAC. Fresha allows consumers to discover, book and pay for beauty and wellness appointments with local businesses via its marketplace, while beauty and wellness businesses and professionals use an all-in-one platform to manage their entire operations with an intuitive business software and financial technology solutions.   Fresha’s ecosystem gives merchants everything they need to run their business seamlessly by facilitating appointment bookings, point-of-sale, customer records management, marketing automation, loyalty, beauty products inventory and team management.   The consumer marketplace unlocks revenue potential for partner businesses by leveraging the power of online bookings and automated marketing through mobile apps and advanced integrations with major tech brands including Instagram, Facebook and Google.