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!  📍 Cardiff | 🏢 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.)

Satispay

About us Satispay began by rethinking the simple act of a payment to remove the friction from our daily routines. But we didn't stop there. Today, we are building a complete financial platform designed to empower people and concretely improve their lives. By giving our 6 million users a clear, open path to pay, save, and invest, we are evolving into the definitive destination for every financial need. What you'll be doing As our KYC Analyst, you will be at the forefront of ensuring seamless onboarding experiences for our consumers. You’ll be the person who ensures a comprehensive approach to risk mitigation and regulatory adherence while maintaining a great UX for our customers. Here's what your day-to-day will look like: * Perform due diligence – Ensure appropriate client documentation is captured and provide timely onboarding for new consumers, using country-specific knowledge to confirm identity document authenticity. * Meet productivity and compliance targets – Manage a daily case queue and ensure consistent throughput while maintaining high-quality standards and SLAs. * Analyze and assess profiles – Verify identities, identify potential red flags, and conduct detailed customer risk assessments, escalating high-risk cases to the FinCrime team. * Assist customers – Provide assistance primarily via email during the verification and activation process to ensure a smooth and efficient experience. * Perform periodic reviews – Support refresh activities, re-verifying customer information and reassessing risk when triggers occur. * Utilize screening databases – Triage potential matches (PEP/sanctions/adverse media), reducing false positives through careful analysis and resolution. Who we're looking for We need a problem-solver who loves teamwork and gets things done. If you're curious and ready for real ownership, you'll fit in! Does this sound like you? * Working background – You have at least 1 year of experience in a similar role, ideally in a startup or the financial sector; customer care experience is also valued. * Relevant Experience – Experience in a high-volume, metrics-driven KYC or customer support role (e.g., meeting daily/weekly targets). * Legal framework knowledge – Direct experience or comprehensive training in anti-money laundering (AML) and Know Your Customer (KYC) procedures. * Language proficiency – Fluent in English. Knowledge of Italian is considered a plus. CareAbout: how we support your impact We move fast, and evolution never stops. It's a fun ride, but it can be challenging. To make sure our people truly thrive, we're committed to making their lives easier, both in the office and out in the world. That's why we created CareAbout: * ❤️ Health (Private insurance for you and your family, psychological support with Serenis, mental health workshops) * 💰 Financial resources (Stock Option Plan, Meal vouchers, Relocation support if you’re moving countries) * ⚙️ Growth and development (Professional development programs, Internal mobility, Language courses with Preply) * 🌱 Flexibility (Unlimited PTO, Hybrid working policy*, Flexible working hours) * 👨‍👩‍👧 Family (Enhanced parental leave, Additional leave for child sickness) *We embrace three days per week in-office (Tuesday and Thursday + 1 of your choice), with the option to request extra remote time. Equal opportunity employer At Satispay, we're proud to be an equal opportunity employer. We celebrate diversity and inclusion, welcoming individuals of all backgrounds. This opportunity is open to everyone, regardless - for instance - of race, colour, religion, sex, gender identity, sexual orientation, and national origin. Join us in a workplace where everyone belongs! Learn more about us Our values and pillars aren't just fancy words on a page - they really shape everything we do. Explore them here. #LI-HYBRID #LI-VR1 By submitting this application, I acknowledge that I have read and understood the content of the Privacy Policy

Monzo

🚀 We’re on a mission to make money work for everyone. We’re waving goodbye to the complicated and confusing ways of traditional banking. After starting as a prepaid card, our product offering has grown a lot in the last 10 years in the UK. As well as personal and business bank accounts, we offer joint accounts, accounts for 16-17 year olds, a free kids account and credit cards in the UK, with more exciting things to come beyond. Our UK customers can also save, invest and combine their pensions with us.  With our hot coral cards and get-paid-early feature, combined with financial education on social media and our award winning customer service, we have a long history of creating magical moments for our customers! We’re not about selling products - we want to solve problems and change lives through Monzo ❤️ ----------------------------------------------------------------------------------------------------------------------------------   UK Remote | 💰 £31,100 - £39,350 + Incentive Awards tied to your performance + Benefits | Hear from the team ✨ Start Date: Monday 12th October  ⚠️ Important Note on AI & Plagiarism: Please reference any literature that you refer to. Applications that are highly plagiarised and not your own original work (e.g., ChatGPT) will be declined. We have guidelines on using Artificial Intelligence (AI) to ace an application and interview at Monzo. You can read them here. ⭐ ABOUT OUR SENIOR FINANCIAL CRIME BUSINESS BANKING INVESTIGATOR TEAM The Senior Financial Crime Business Banking Investigator team serves as Monzo’s frontline defence against complex economic crime, safeguarding our ecosystem and customers, from startups to established SMEs, against sophisticated fraud and money laundering. Operating within a specialised, risk-focused "Pillar," this critical operational team builds deep subject matter expertise to ensure financial integrity across the entire customer lifecycle. The team is responsible for conducting rigorous onboarding and ongoing compliance checks, unravelling complex financial crime typologies, and directly mitigating risk through thorough investigation, reporting, and account closures. 🔑 YOU’LL PLAY A KEY ROLE BY... * Taking ownership of the most complex FinCrime Business Banking tasks, including Enhanced Due Diligence (EDD) for high-risk businesses, Complex Customer Reviews (e.g., sensitive areas like Sexual Services flags), and multi-jurisdictional money muling investigations. * Writing, reviewing, and submitting high-quality Suspicious Activity Reports (SARs) to the National Crime Agency (NCA), ensuring they meet the highest legal and evidential standards. * Maintaining a regular schedule on core investigative tasks to sustain your competency levels, directly support the domain’s Service Level Agreements (SLAs), and remain connected to frontline challenges. * Actively coaching Investigators on complex financial crime typologies, best practice, and performance improvement to help drive a culture of excellence. * Working closely with our Operations Analysts to share emerging trends and ensure that operational guidance is continuously updated and effectively embedded across the domain. 🤩 WE’D LOVE TO HEAR FROM YOU IF... * You have deep KYB & AML expertise, with significant experience conducting end-to-end business due diligence (KYB/EDD) and complex investigations within a regulated financial setting. * You are a skilled researcher, with a proven ability to leverage open-source intelligence and analysis to thoroughly corroborate customer profiles and transactional activity. * You know regulations and typologies, possessing a strong grasp of UK and international financial crime trends affecting business accounts and the UK SAR regime. * You thrive in a fast-paced environment, maintaining high flexibility and adapting positively to shifting priorities, new guidance, and process changes at short notice. * You are impact-driven, with a genuine desire to protect Monzo and its customers by making a tangible difference in the detection and prevention of financial crime. * You bring leadership and improvement skills, ideally with experience mentoring peers, a track record of escalating process improvements, or a relevant qualification (such as ICA or ACAMS). ⏰ SHIFTS YOU’LL BE WORKING You will work 37.5 hours per week, Monday to Friday, from 9:00am to 5:30pm. You will also work one full weekend (Saturday and Sunday) once every 4 weeks, with 2 set days in lieu provided when working the weekend shift. We cannot approve any time off during your first 6 weeks of employment with us due to training.  🙌 WHAT’S IN IT FOR YOU 💰  Salary range of £31,100 - £39,350 + Incentive Awards tied to your performance 🎂 We guarantee to approve time off on your birthday if it falls on a scheduled work day (outside of your training period). 📍 This role is fully remote and based within the UK. 📚 A £1,000 annual budget to spend on books, training courses, and conferences. 🏡 We will set you up for success from home; all employees are provided with MacBooks, and fully remote workers receive extra support for their work-from-home environment. ➕ Plus lots more! Read our full list of benefits. 🌈 THE APPLICATION JOURNEY HAS 3 KEY STEPS 1. Application questions – Please take the time to answer these, as we read every single one. 2. Recruiter call – A 30-minute video call to assess skills fit 3. Hiring Manager interview – A 60-minute video call focusing on values and technical questions. We’ll only close this role once we have enough applications for the next stage. Please submit your application as soon as possible to make sure you don’t miss out. #LI-REMOTE #LI-NG2 ---------------------------------------------------------------------------------------------------------------------------------- Equal opportunities for everyone Diversity and inclusion are a priority for us and we’re making sure we have lots of support for all of our people to grow at Monzo. At Monzo, we’re embracing diversity by fostering an inclusive environment for all people to do the best work of their lives with us. This is integral to our mission of making money work for everyone. You can read more in our blog, 2026 Diversity and Inclusion Report and 2025 Gender Pay Gap Report. We’re an equal opportunity employer. All applicants will be considered for employment without attention to age, ethnicity, religion, sex, sexual orientation, gender identity, family or parental status, national origin, or veteran, neurodiversity or disability status. If you have a preferred name, please use it to apply. We don't need full or birth names at application stage 😊