About Us:

At Capital on Tap we believe that the future is all about the impact that small businesses can have in the world. As such we are on a mission to help them thrive – cash flow shouldn’t be a barrier to success.

Since launching our business credit cards and business loans in 2017 we have been taking off like a rocket! We are one of the fastest growing companies in the UK (Sunday Times Fast Track 100 in 2017, 2018, 2019 and Beauhurst 15 fastest growing companies in UK 2020) while still posting a profit to fund our future growth. 

After our success in the UK and Spain we are now taking off in the US and we are looking to build our team to support our rapid growth and to help us grow even faster. As we are just getting started in the US it’s an exciting opportunity to join a start-up within a start-up - giving you the opportunity to make your mark and be involved from the very beginning.

Our people really are the best thing about working at Capital on Tap. We have built a dynamic, fun and vibrant culture where your opportunities for growth are as big as your ambitions.

We are a place where a diverse mix of talented people want to come and do their best work and most importantly feel included and welcome. We foster an environment that allows people to share, engage, learn, support, participate and work towards positive change. We hold regular culture and inclusion events, such as Black History Month, Pride Week and International Women’s Day. You can read more about these events on our blog, and more about our team and our values here.

The Role:

We are looking for our first Atlanta-based FinCrime Officer to join our existing global team as the business scales in the US.

You will support the global FinCrime Team to assess our highest risk accounts and make decisions that have a big impact on our customers and our business. You will support the team with challenging, testing and developing fraud and anti-money laundering controls and processes in order to protect the business.

This role is a great fit for you if you have strong problem solving and critical thinking skills. This role covers all aspects of Fraud and AML risk faced by the business so if you’ve got the right skills from your existing role, we’d love to speak to you.

What you’ll be doing:

  • Conducting fraud and money laundering assessments using in-house systems, open source investigations, and our real-time third party tools to help protect the business.
  • Review of rule trips or red flags on new applications.
  • First point of contact for referrals regarding suspicions, 3rd party and onboarding concerns or rule trips on a customer account.
  • Identify new trends as the first line of defence on accounts to support the team with building new rules and controls where required.
  • Sound judgement and confidence to make independent decisions on potential fraudulent activity or PEP/Sanction matches.
  • Ability to assess referred cases to ensure minimal inconvenience to the customer while preventing monetary and reputational loss to the company.

What we are looking for:

  • You should have experience in making independent risk-based judgements on fraud or AML investigations. This should be in an operational role working on accounts and liaising with customers directly, not in an oversight function.
  • You should have an interest in Financial Crime, Fraud and/or AML and a willingness to learn the regulatory landscape and criminal techniques in more detail.
  • Fraud or AML cases won’t always fit into neatly defined criteria and so you’ll need to be confident in your ability to make best-judgement decisions and be able to communicate these effectively to both your team members, customers and other teams in the business.
  • You should have a critical eye and strong attention to detail. You should enjoy working efficiently and in a demanding, high volume environment.

Diversity and Inclusion:

At Capital on Tap we are fully focused on equality and believe deeply in diversity of race, gender, sexual orientation, religion, ethnicity, ability, national origin and all the other characteristics that make us who we are.

We want to be a place where a diverse mix of talented people want to come and do their best work and most importantly feel included and that they can be their authentic selves. We welcome, consider and encourage applications from anyone that shares this passion.


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