Overview

Financial Crime Officer - Enhanced Due Diligence (Manchester). Hybrid role in the First Line of Defence Financial Crime team in the Manchester office. Office attendance is required 3 days per week, with working hours 9-6pm Monday to Friday.

We’re Capital on Tap. Capital on Tap provides an all-in-one business credit card and spend management platform that helps small businesses save time and money. We serve over 200,000 businesses globally and aim to help 1 million small businesses by 2030.

Why Join Us? We empower you to be innovative and solve complex problems. Take ownership, make an impact, and thrive in our scaling and agile environment.

Financial Crime at Capital on Tap

The Financial Crime team consists of 62 people globally. The team ensures Capital on Tap meets its regulatory obligations related to AML and CTF.

What You’ll Be Doing

• Conduct enhanced due diligence (EDD) on SME customers in the UK and US, focusing on Know Your Business (KYB) requirements during onboarding and throughout the customer lifecycle.
• Independently scrutinize and assess complex ownership structures, including layered entities, trusts, offshore elements, and nominee arrangements, ensuring decisions align with Capital on Tap's risk appetite.
• Investigate high-risk or suspicious activity by analysing corporate structures, customer profiles, and behaviour to identify and mitigate red flags and indicators of financial crime.
• Engage directly with customers, when needed, to clarify business activities, ownership, or source of funds/wealth.
• Make sound, risk-based decisions based on available information and documented rationale.
• Assess and document Source of Funds (SoF) and Source of Wealth (SoW) where appropriate.
• Handle Transaction Monitoring alerts and escalations in line with established procedures, ensuring quality and timeliness.
• Prepare Suspicious Activity Reports (SARs) for internal approval and external submission to relevant authorities (NCA, FINCEN).
• Act as a subject matter expert for financial crime escalations, providing support across the wider FinCrime team and business.
• Support continuous improvement by sharing insights on emerging financial crime typologies and contributing to enhancements in monitoring, onboarding, and ongoing review processes.

Qualifications

• 4+ years of experience in financial crime roles, specifically with enhanced due diligence (EDD) responsibilities for SME corporate customers in the UK and US.
• Strong understanding of KYB regulatory requirements and expectations across both jurisdictions.
• Proven ability to independently review and analyse complex ownership structures, including trusts, offshore vehicles, and multi-layered entities, with risk-based decision making in line with company risk appetite.
• Strong analytical, investigative, and report-writing skills with clear documentation of findings.
• Exceptional attention to detail and the ability to work efficiently in a high-volume, fast-paced environment.
• Confident communicator capable of explaining complex decisions to internal stakeholders and external customers.
• Comfortable proactively raising questions and identifying areas for improvement.
• A recognised AML or Financial Crime qualification (e.g., ICA, ACAMS) is a plus, but not essential.

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

• 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
• Free drinks and snacks in our offices

Apply

Check out more of our benefits, values and mission on our site. If you’re excited to work here, apply and we will aim to respond within 3 working days (during busy periods this may take up to 5 working days).