Fincrime Investigator

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

🏡🏢This is a Hybrid role, the Financial Crime team work from our Cardiff  Offices 3 days per week. Please note, your first 3 months will be 5 days a week while you carry out training. You'll need to be within a commutable distance from the Cardiff office. The role follows a shift pattern that covers the hours of 9:00am to 8:30pm, 7 days a week.

Financial Crime at Capital on Tap
The Financial Crime team consists of 36 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
You will support the Financial Crime Team to review high-risk and suspicious activity, making decisions that have a big impact on our customers and our business.
✨Conduct investigations on suspicious transactions to help protect the business from potential Money Laundering and Terrorist Financing risks, communicating directly with customers where required.
✨Ensure transaction monitoring alerts & escalations are handled in accordance with procedures and meet standards for both quality and timeliness.
✨Prepare high-quality Suspicious Activity Reports to the authorities concerned. (NCA & FINCEN).
✨Act as a subject matter expert for financial crime escalations within the wider FinCrime team and other areas of the business.
✨Continuous reviewing of transaction monitoring capabilities and providing feedback to the wider financial crime leadership team on efficiencies to be implemented, including enhancement to existing rules.
✨Participate and provide input to team meetings, sharing knowledge on identified emerging trends and threats to assist in the building of a high performing team. 

We’re Looking For
✨Experience making independent risk-based judgements on AML investigations.
✨A Background in KYC, with an understanding of complex ownership structures.
✨Previous experience within a transaction monitoring environment.
✨Experience undertaking enhanced due diligence, on higher risk customers.
✨Able to communicate your decisions to internal members and customers directly.
✨Confidence in asking questions and suggesting improvements where you see them.
✨An interest in Financial Crime and a willingness to learn the regulatory landscape and criminal techniques in more detail.
✨A critical eye and strong attention to detail with an eagerness to work efficiently in a demanding, high volume environment.

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.

Interview Process
🤝First Stage: 30 minute intro and values call with Talent Partner (Video call)
🤝Final Stage: 60 minute CV overview with Team Manager and then additional 30 minutes meeting the team (In person)