Capital on Tap was founded to serve underserved small businesses, offering a business credit card, spend management platform, savings product, and other financial tools. With a team of 1,000+ employees we process over £20bn in annual card spend for 200,000+ customers and maintain a strong customer satisfaction rating.
Location: Cardiff; 1/2 days a week in the office.
Financial Crime
The Financial Crime team consists of 62 people globally. They are responsible for ensuring Capital on Tap meets regulatory obligations regarding AML and CTF.
What You’ll Be Doing
- Support the onboarding journey by completing KYC and KYB checks across our product range accurately and efficiently.
- Effective screening: review PEPs, sanctions, and adverse media alerts, identifying potential risks and escalating complex hits for enhanced due diligence.
- Clear communication: handle grey area cases by gathering necessary information and seeking guidance from senior team members.
- Proactive learning: contribute ideas to the team on how we can make our checks more efficient for customers.
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?: speed and simplicity give us a competitive advantage.
- Be a Buddy: we tap in from day one to help the team, and 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 regularly provide direct and constructive feedback to help employees flourish.
We’re Looking For
- Proven FinCrime foundation: previous experience conducting KYC/KYB checks and a solid grasp of identifying PEPs, sanctions, and adverse media hits.
- Operational experience: background working in a regulated financial services environment across various customer or product types.
- Customer‑centric compliance: ability to balance due diligence with maintaining a smooth, professional customer journey.
- Effective communication: proven ability to communicate with customers or internal stakeholders to request information or explain compliance requirements clearly.
- Product adaptability: comfortable navigating multiple internal systems and adapting to different risk appetites across a diverse multi‑product landscape.
- Growth mindset: proactive approach to learning new regulatory updates and willingness to suggest process improvements to the wider team.
Shift Patterns
- Fri‑Mon: 9‑7.30 pm one day, 9‑7 pm the other three; either Friday or Monday in the office (weekends).
- Thursday or Friday through to Monday or Tuesday (5 days including Saturday and Sunday), 9‑5.30 pm; 2 days a week in the office.
Interview Process
- Stage 1: 30‑minute screening call with a Talent Partner.
- Stage 2: take‑home task.
- Stage 3: 60‑minute interview with a Team Leader in FinCrime.
Diversity & Inclusion
We welcome and encourage applications from anyone who shares our commitment to inclusivity. We strive to create a space where authenticity thrives and everyone can do their best work.
Great Work Deserves Great Perks
- Private healthcare including dental and optician 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.
- Six free therapy sessions per year.
- Dog‑friendly offices.
- Free drinks and snacks in our offices.
Excited to Work Here? Apply!
If you’d like to progress your career within our fast‑growing, profitable fintech, 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).
Contact: careers@capitalontap.com
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