Senior Support FinCrime Officer

We’re Capital on Tap 👋
💳 Capital on Tap was founded with the mission to help small business owners and make their lives easier. Today, we provide an all-in-one business credit card & spend management platform that helps business owners save time and money. Capital on Tap proudly serves over 200,000 businesses across the world and our goal is to help 1 million small businesses by 2030.

Why Join Us?
We empower you to be innovative and solve complex problems. Take ownership, make an impact, and thrive in our scaling and agile environment.

📈Check out the development opportunities in the Financial Crime team.

🏡🏢This is a hybrid position within our KYC Financial Crime team, based in our Cardiff office three days per week.

The standard working hours are Monday to Friday, 9:00am – 5:30pm. However, occasional evening or weekend shifts may be required to support our extended shift coverage.

Financial Crime at Capital on Tap

The Financial Crime team consists of 46 people globally. The team is responsible for ensuring that Capital on Tap meets its regulatory obligations in relation to all things AML and CTF. 

What You’ll Be Doing
You’ll play a key role in supporting and developing the Financial Crime Team, with a strong focus on training, upskilling, and driving team performance.

• Serve as a subject matter expert for the Financial Crime team, offering coaching, guidance, and support to help the team excel.
• Take ownership of training new and existing team members, ensuring they become fully competent in their roles. This includes designing and delivering engaging training materials, adapting your approach to suit different learning styles, and supporting individuals through accreditation to full competency.  
• Deliver training and coaching across key Financial Crime processes, including KYC and customer onboarding, screening, complex beneficial ownership structures, and transaction monitoring. 
• Stay actively involved in day-to-day operations by working alongside the team. This ensures you remain current, confident, and hands-on with all relevant tasks and processes. 
• Continuously develop your own knowledge to stay aligned with evolving procedures, regulatory expectations, and best practices. 
• Provide meaningful feedback to the Financial Crime leadership team, identifying opportunities for increased efficiency and supporting the implementation of process improvements. 
• Contribute to a high-performing team culture by sharing insights, promoting engagement, and participating in team meetings.

What We’re Looking For

We're seeking someone who brings a blend of expertise, curiosity, and energy to the role — someone who’s passionate about Financial Crime prevention and thrives in a fast-paced, team-oriented environment.

• Strong and effective communication skills, with the confidence to deliver engaging training sessions and workshops to diverse audiences
• Proactive mindset – always looking for opportunities to improve processes, solve challenges, and drive continuous improvement
• Skilled in developing and maintaining training materials and tools, ensuring they remain up-to-date, relevant, and impactful
• Data-driven approach – able to analyse performance and training data to identify needs and measure success
• Hands-on experience with core Financial Crime processes, including PEPs, Sanctions, KYC, KYB, and Transaction Monitoring
• A solid understanding of complex ownership structures and how they relate to AML risk
• Proven ability to make independent, risk-based judgements during AML investigations
• Meticulous attention to detail with a critical eye and the ability to work efficiently under pressure in a high-volume environment

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:

💷 £30,000 depending on experience
🏥 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.

Interview Process:

• First stage: 30 minute intro and values call with Talent Partner (Video call)
• Second Stage:
  This will be a 60-minute, in-person session, split into two parts:
• 30-minute CV and experience overview with the Team Manager
• 30-minute presentation on a Financial Crime-related process or concept, delivered to a small group as if conducting a training session. This is your opportunity to demonstrate your subject matter expertise and your ability to deliver clear, engaging, and accessible training.

Other Info
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📧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.)