The Role 🚀

We’re looking for an experienced Financial Crime Team Leader to lead our UK and US Analyst teams. In this key role, you will be the driving force behind our mission to protect our customers and stay one step ahead of financial crime.  You won't just manage a team; you’ll empower our Analysts to deliver high-quality performance that reinforces customer trust. 

Key Responsibilities 👏

• Lead a high-performing team of Financial Crime Analysts who serve our customers across the UK & US. You’ll drive professional growth through tailored coaching, regular 1-to-1s, and a commitment to building an investigative mindset.
• Conduct regular reviews of team decisions and documentation. You’ll ensure that every rationale is technically sound, robustly defended, and perfectly aligned with our risk appetite.
• Expertly manage global workflows and resources, ensuring our teams meet internal SLAs without compromising on quality or detail.
• Champion a culture of continuous improvement, empowering the team to proactively identify and implement process enhancements that keep us ahead of financial crime.
• Act as the final authority on complex SME investigations. You’ll navigate the nuances of UK and US business structures, making decisive, risk-based calls on the most challenging cases.
• Leverage technology to automate manual hurdles, managing risk more effectively while significantly enhancing the experience for our customers.

We’re Looking For 🔍

• An experienced Financial Crime Team Leader specialising in the end-to-end Customer Lifecycle; specifically expert in CDD/EDD and the complexities of Beneficial Ownership (BO) for corporate entities, alongside robust Transaction Monitoring oversight.
• An adaptable and pragmatic leader with a hands-on, solutions-driven approach to problem solving. 
• A proven track record of leading high-performing teams in fast-paced, dynamic environments.
• An analytical thinker skilled in interpreting complex data and driving evidence-based decision-making.

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 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
🚘 Lease a brand-new electric car through our 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.

📍 Manchester | 🏢 3 days in office, 2 from home. You’ll work from the office for your first 12 weeks whilst you get set up in your new role.

💰 Salary - Between £37-£45k DOE

Collections Team 🚀
As a Collections Team Leader, you will lead and support a team of up to 8 agents to deliver fair customer outcomes and excellent service. You will coach, develop, and motivate team members, manage performance and key metrics, act as an escalation point, and collaborate with stakeholders to ensure best practices are followed and barriers to success are removed.

What You’ll Be Doing 🗃️

• Lead and support a team to deliver strong customer and business outcomes.
• Ensure compliance with departmental processes, industry standards, and regulatory requirements, including Consumer Duty and FCA guidance, with a focus on supporting vulnerable customers.
• Oversee performance against SLAs, driving efficiency across calls and digital channels while maintaining high-quality conversations and first contact resolution.
• Coach and develop team members through regular 1-1s, coaching, and team meetings to enhance performance and engagement.
• Build strong stakeholder relationships and act as an escalation point, providing guidance and support when required

We’re Looking For 🔎

• Extensive leadership experience in multi-channel Collections environments, including management of UK and US portfolios (credit card or SME lending preferred).
• Strong knowledge of regulatory frameworks including GDPR, FCA, Consumer Duty, insolvency, and the Equalities Act.
• Proven ability to develop, engage, and motivate teams across remote, hybrid, and onsite settings.
• Strong analytical, communication, negotiation, and critical thinking skills with a proactive problem-solving approach.
• Experienced in managing high volumes, complex cases, performance challenges, and supporting vulnerable customers in risk-sensitive situations.

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.

Even if you don’t have all of the necessary skills, we still encourage you to apply.

Interview Process 🤝

• Stage 1: First stage: 30-minute intro and values call with Talent Partner (Video call)
• Stage 2: Final stage: In-person interview with a Manager from the Collections Team in Manchester

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.

📍 Manchester | 🏢 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.

🏡This is a hybrid role. The Business Development Team works from our Manchester office 5 days per week for the first 3 months, with the opportunity to work in the office 3 days per week after that.

What you’ll be doing:
We are looking for an additional Sales Manager (SM) to build and manage an additional Manchester-based acquisition sales team. Our sales department has grown from 1 to 30 and we are looking for leaders to help us successfully scale even further. The SM will report into either our Head of Sales for Manchester, and work alongside a team of Sales Managers. As a senior leader within the department, you will be at the heart of driving sales strategy, performance, development and retention of the team. The SM will also be vital in helping to build relationships across the wider teams in Brighton and London and leading the department to success.

• Building a team of 8-12 BDMs that you will be mentoring and coaching through formal and informal channels
• Reviewing performance and effectiveness through analytics and pipeline management
• Balancing your teams targets and objectives with the broader business objectives and priorities
• Agreeing and setting daily/weekly targets and KPIs for your team
• Collaborating with other SMs on best practice, process improvements and knowledge sharing
• Working alongside our Co-Head of Sales to assist in developing sales strategies to drive growth 
• Building and maintaining relationships with internal stakeholders across the business
• Working closely with our People Team on sourcing, interviewing and onboarding talent into your team

We’re Looking For:

• A comprehensive understanding of SMEs and their financial workings
• Data driven mindset and ability to analyse funnel and performance data 
• Ability to motivate and drive performance within your team
• A track record of mentoring and coaching junior team members to success
• A results driven commercial mindset
• Excellent communication skills and the ability to lead by example in telesales

📈Check out the development opportunities in the Sales team.

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:

💰 Uncapped commission structure
🏥 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
Second stage: 30 minute coffee and introductory interview with Head of Sales, Manchester
Final stage: Interview loop - join us on site in our Manchester office for: a case study presentation task, to meet with our Senior People Partner for Sales, and to meet with our CCO. 

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.

📍 Manchester | 🏢 3 days a week in the office 

Financial Crime/Customer Operations 🚀
The Financial Crime team consists of circa 70 people globally. They are responsible for ensuring that Capital on Tap meets its regulatory obligations in relation to all things AML and CTF.

What You’ll Be Doing 🗃️

As an Enhanced Due Diligence Team Leader, you will:

• Lead and mentor a team of EDD Analysts, providing regular 1-to-1s, coaching, and support to ensure professional growth and high-quality output.
• Oversee complex EDD investigations on SME customers in the UK and US, acting as a final escalation point for difficult KYB decisions which could involve obscure money movement or complex ownership structures involving trusts, funds and overseas entities.
• Manage team workflows and capacity to ensure Transaction Monitoring alerts and EDD reviews are completed in line with established quality and timeliness standards.
• Drive quality assurance by performing regular reviews of team decisions and documentation, ensuring rationales are sound and align with the company's risk appetite.
• Collaborate with leadership to refine financial crime policies, enhance onboarding processes, and contribute to the evolution of monitoring strategies.
• Support the internal approval process for Suspicious Activity Reports (SARs) before submission to relevant authorities like the NCA and FINCEN.
• Serve as a subject matter expert for the wider business on financial crime typologies and emerging risks within high-risk sectors.
• Promote a culture of continuous improvement, encouraging the team to proactively identify process enhancements and share insights on new financial crime trends.

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 🔎

• Previous experience leading or mentoring teams within a financial crime environment, with a focus on Enhanced Due Diligence (EDD).
• 6+ years of experience in financial crime roles, with deep expertise in KYB requirements for SME corporate customers in both the UK and US. 
• Previous exposure to higher risk sectors, and SME corporate customers operating within them, being able to articulate both the risks posed by operation in such sectors, as well as how they can be managed. 
• Expert-level ability to analyse complex ownership structures, including trusts, funds, and overseas entities, and translate risks into clear, actionable decisions.
• Proven track record of making sound, risk-based decisions in a fast-paced environment while maintaining exceptional attention to detail.
• Strong leadership qualities, including the ability to communicate complex concepts clearly to both your team and senior stakeholders.
• Experience in handling or overseeing the preparation of SARs and navigating regulatory expectations across different jurisdictions

Interview Process 🤝

• Stage 1: 30 minute screening call with a Talent Partner
• Stage 2: 60 minute interview with the team Manager and another Team Leader
• Stage 3: 60 minute interview with someone from our 2nd line FinCrime team

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.

📍 Manchester | 🏢 3 days in-office after completion of 3-month training | £30k-£38k base + uncapped commission 

Business Development at Capital on Tap 🚀

Our Sales team drives our growth, with hubs in Brighton, London, Manchester, and remote. You’ll join a team of 8–12 Business Development Managers reporting to a Sales Manager, focused on finding businesses that will thrive with our products. We’re known for a supportive, high‑energy culture, with uncapped commission and clear progression pathways.

What you'll be doing 🗃️

• Own the full 360‑sales cycle from sourcing SMEs to early account management.
• Represent our credit card and close high‑impact deals.
• Build your pipeline by sourcing and qualifying new SME leads.
• Make 30–50 outbound calls daily to reach business owners and decision‑makers.
• Hit quarterly targets by converting new customers and driving early usage.
• Follow strong compliance standards and FCA regulations to protect 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? 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 🔎

• Proven 360‑sales experience across prospecting and early account management.
• Strong outbound B2B prospecting and lead‑gen skills.
• Experience with high-volume cold-calling and outreach. 
• High ownership, urgency, and accountability for targets.
• Ability to set and manage your own daily activity goals.
• Commitment to high standards and excellent customer service.

Even if you don’t have all of the necessary skills, we still encourage you to apply.

Interview Process 🤝

• First stage: 30 minute intro and values call with Talent Partner.
• Second stage: 60 minute case study interview at the office with our Sales Managers.

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.

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

🏡🏢This is a hybrid role joining our First Line of Defence Financial Crime team in the Manchester office. Office attendance is required 3 days per week with working hours 9-5:30pm Monday to Friday.

Financial Crime at Capital on Tap

The Financial Crime team consists of 62 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

As a Customer Due Diligence (CDD) Analyst, you will be responsible for ensuring the integrity of our ongoing customer reviews. You will:

• 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.

We’re Looking For

Required 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. 

Desirable skills:

A recognised AML or Financial Crime qualification (e.g., ICA, ACAMS) is a plus, but not essential.