🏡🏢This is a Hybrid role, the Financial Crime Compliance team working from our London (Moorgate) office 3 days per week.

Financial Crime Compliance at Capital on Tap

The Financial Crime function is responsible for the ongoing management of the company’s Financial Crime policies, procedures and controls. This includes risk assessment and ongoing assurance of AML compliance, business advisory and management of high risk customer and suspicious activity escalations. 

What You’ll Be Doing

You will deputise for the MLRO, managing a growing team of Financial Crime Compliance Professionals. Providing advice to first line operational functions and other areas of the business as appropriate. 

• DMLRO: Support the MLRO in the development and ongoing management of our AML policies and procedures in line with statutory obligations and company risk appetite.
• Operational excellence: Provide expert guidance to both 1LoD and 2LoD operations and review escalations related to suspicious activity, sanctions, PEPs, adverse media, complex ownership and high risk customers.
• SME: Act as a SME for both current and emerging regulatory obligations ensuring our assessment and subsequent management of risk is appropriate and aligned to the company risk appetite on an ongoing basis.
• External stakeholders: Liaise with Law Enforcement, regulators and Partner Banks as a primary point of contact for investigations, reporting, audits and other ad hoc requests.
• Internal stakeholders: Establish strong relationships with applicable stakeholders and become the go to person for FC advisory within the business.
• Training: Develop targeted training for 1LoD and 2LoD financial crime teams and other parts of the business.
• MI: Feed into the MI framework and highlight financial crime risks to the business on an ongoing basis.
• Controls: Feed into the ongoing maintenance of onboarding and ongoing due diligence controls. Bring hands on experience to assess and update existing controls to at a minimum industry standard.

We’re Looking For 🔎

Required skills:

• A solid understanding of complex ownership structures for SME businesses in the UK and US as a minimum. 
• Complex investigation skills required whether it be from ownership structures at onboarding to unravelling complex transaction patterns to identify anomalies on an ongoing basis. 
• Able to communicate effectively with stakeholders at every level in the organisation.
• Able to manage multiple ongoing projects both within the FinCrime space and in product development. 
• Deep technical knowledge of AML/CTF regulations and regulatory expectations.
• Proficient in quantifying abstract threats and determining if a client’s risk profile aligns with the firm’s "risk appetite” as well as having the confidence to make high-stakes "go/no-go" decisions on suspicious clients under time and commercial pressure.
• The skill to explain complex compliance failures to non-experts and justify SAR filings to law enforcement.
• Ability to maintain external awareness of the regulatory environment, ensuring risk assessment and policies and procedures are updated as required. 
• Previous management experience within Financial Crime.

Nice to have skills:

• Strong presenting skills, able to break complex subject matter down into simple terms.
• Experience with SQL and strong Excel skills.
• Appropriate industry accreditation such as ICA Diploma or ACAMs.

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
🏖️ 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.