Junior FinCrime Officer (KYC) at Capital on Tap

Capital on Tap is seeking a Junior FinCrime Officer (KYC) to join their Financial Crime team in Cardiff. The company's mission is to help small business owners by providing an all-in-one business credit card & spend management platform.

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

This is a hybrid role requiring 3 days per week in the Cardiff office. The role follows a shift pattern that covers the hours between 9:00am to 8:30pm, 7 days a week.

What this role involves:

• Conducting KYC and KYB checks as part of customer due diligence.
• Serving as the first point of contact for onboarding concerns or rule trips.
• Reviewing PEPs/Sanction/Adverse Media hits and completing enhanced due diligence.
• Analysing beneficial ownership cases to ensure compliance and identify potential risks.
• Exercising sound judgement in handling cases that do not fit predefined criteria.

Requirements:

• An interest in Financial Crime and AML.
• Ability to communicate decisions to internal members and customers directly.
• Confidence in asking questions and suggesting improvements.
• A critical eye and strong attention to detail.
• Experience in working across multiple platforms, ideally in a financial services environment.

What Capital on Tap offers:

• 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