Financial Crime Team Leader – Investigations

Capital on Tap

  • Full Time

Running a business is hard, we make it easier. We provide an all-in-one business credit card & spend management platform, built for SMEs. Over 200,000 small businesses have spent more than £10 billion on their Capital on Tap Business Credit Cards.

The Role

We are looking for a Financial Crime Team Leader to join our FinCrime team here at Capital on Tap, Cardiff. In this role, you will be responsible for overseeing a team of 8 to 10 direct reports, ensuring efficient operations and adherence to regulatory standards. Your primary focus will be on reviewing high-risk and suspicious financial activities, playing a pivotal role in safeguarding our customers and the integrity of our business.


  • Conduct investigations on suspicious transactions, using in house systems and open source investigations to help protect the business from potential Money Laundering and Terrorist Financing risks.
  • Provide consistent detailed rationales for decisioning alerts.
  • Ensure transaction monitoring alerts 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.
  • 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.

What do we require 

  • Must have experience in Fincrime related processes such as PEPS/Sanctions/Transaction Monitoring/KYC & KYB
  • Experience making independent risk-based judgements on AML investigations.
  • 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.

What you’ll get in return 

Salary £30k+ depending on experience
Private Healthcare, Worldwide Travel  Insurance and Dental Cover through Vitality
  Anniversary Rewards (£250, £500, £1000, 4-week fully paid sabbatical)
  Salary Sacrifice Pension Scheme up to 7% match
️  28 days holiday (plus bank holidays) (pro rata) 
  Annual Learning 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

We place a huge emphasis on continual learning and have created an environment where this is possible every day. Internal mobility is important to us and our goal is to help every employee realise their aspirations. Why not check out here what you need to do to progress in this role at Capital on Tap. 

Check out more of our benefits, values and mission here

If you want to keep updated on future opportunities at Capital on Tap follow our company page here.

Diversity and Inclusion

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.

How to Apply

If you want to progress your career within a fast growing, profitable fintech then click apply (all we ask for is your CV and contact details) and we will get back to you within 3 working days

Job Overview

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