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.
Cardiff | 3 days a week in the office
The Financial Crime team consists of 70 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
- Perform ongoing due diligence on SME customers in both the UK and US, focusing on maintaining accurate and up-to-date Know Your Business (KYB) records.
- Review and verify beneficial ownership structures, ensuring all individuals with significant control are identified and recorded accurately within our systems.
- Assess the nature of business for existing customers to ensure their activities remain within Capital on Tap's risk appetite and regulatory standards.
- Complete transaction monitoring checks to identify unusual patterns or activity, ensuring any potential risks are escalated or mitigated promptly.
- Engage directly with customers when necessary to clarify ownership details, business activities, or to request updated documentation.
- Make sound, risk‑based decisions based on updated information, providing clear and documented rationale for all review outcomes.
- Collaborate with the wider FinCrime team to share insights on emerging trends and contribute to the enhancement of ongoing review processes.
- 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.
Required Experience & Skills
- Experience in financial crime roles, specifically with customer due diligence (CDD) or ongoing monitoring responsibilities for SME corporate customers.
- Strong understanding of KYB and CDD regulatory requirements across both UK and US jurisdictions.
- Proven ability to analyse and record ownership and control structures accurately.
- Experience in transaction monitoring and the ability to identify red flags or suspicious activity.
- Strong analytical and investigative skills with high attention to detail in documenting findings.
- Confident communicator, capable of interacting with internal stakeholders and external customers to resolve queries.
- Ability to work efficiently in a high‑volume, fast‑paced environment while maintaining high quality standards.
Application Process
- Stage 1: 30 minute call with a Talent Partner
- Stage 2: 30 minute take‑home test to be completed in your own time
- Stage 3: 60 minute interview in person with 2 of our Team Leaders in Financial Crime
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
- 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
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