<div class="content-intro"><p><span style="font-family: verdana, geneva, sans-serif; font-size: 12pt;"><strong>We’re Capital on Tap 👋<br></strong></span><span style="font-family: verdana, geneva, sans-serif; font-size: 12pt;">💳 Capital on Tap started because small businesses were underserved. Big banks were slow, their products weren't fit for purpose, and small business owners often couldn't access what they needed. We set out to fix that.</span></p> <p><span style="font-family: verdana, geneva, sans-serif; font-size: 12pt;">Today we're a financial platform - not just a credit card company. We offer a best-in-class business credit card, SME-focused spend management platform, a savings product that hit £1 billion in funds within its first year, and a growing suite of tools and financial products that make running a small business easier. </span></p> <p><span style="font-family: verdana, geneva, sans-serif; font-size: 12pt;">1,000+ employees, £20bn in annual card spend, 200,000+ customers, 17,000+ Trustpilot reviews averaging 4.7 stars, and we're profitable. We’ve done a pretty good job so far, but we’re just getting started! </span></p></div><p><span style="font-family: verdana, geneva, sans-serif; font-size: 12pt;">🏡🏢This is a Hybrid role, the Financial Crime Compliance team working from our London (Moorgate) office 3 days per week.</span></p> <p><span style="font-family: verdana, geneva, sans-serif; font-size: 12pt;"><strong>Financial Crime Compliance at Capital on Tap</strong></span></p> <p><span style="font-family: verdana, geneva, sans-serif; font-size: 12pt;">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. </span></p> <p><span style="font-family: verdana, geneva, sans-serif; font-size: 12pt;"><strong>What You’ll Be Doing<br></strong></span></p> <p><span style="font-family: verdana, geneva, sans-serif; font-size: 12pt;">You will sit in the 2nd line Financial Crime Compliance team, operating independently from the 1st line FinCrime Operations team. Your job is to provide oversight, challenge, governance and handle escalations from 1LOD that may result in reporting and/or offboarding decisions.</span></p> <ul> <li style="font-family: verdana, geneva, sans-serif; font-size: 12pt;"><span style="font-family: verdana, geneva, sans-serif; font-size: 12pt;">Support the MLRO in owning and running Capital on Tap's compliance monitoring programme, designing thematic reviews and control tests that assess whether 1st line financial crime controls are working as intended.</span></li> <li style="font-family: verdana, geneva, sans-serif; font-size: 12pt;"><span style="font-family: verdana, geneva, sans-serif; font-size: 12pt;">Maintain and develop AML/CTF policies, procedures, and risk appetite standards - drafting updates in response to regulatory change, monitoring findings, QA output, and internal audit recommendations.</span></li> <li style="font-family: verdana, geneva, sans-serif; font-size: 12pt;"><span style="font-family: verdana, geneva, sans-serif; font-size: 12pt;">Support the completion of the business-wide Financial Crime Enterprise Wide Risk Assessment (EWRA), identifying areas of emerging risk and recommending proportionate controls.</span></li> <li style="font-family: verdana, geneva, sans-serif; font-size: 12pt;"><span style="font-family: verdana, geneva, sans-serif; font-size: 12pt;">Lead 2LoD financial crime review of new product and change initiatives, providing independent risk assessment and recommending next steps to the MLRO prior to sign-off for go-live.</span></li> <li style="font-family: verdana, geneva, sans-serif; font-size: 12pt;"><span style="font-family: verdana, geneva, sans-serif; font-size: 12pt;">Produce management information and compliance reporting for senior leadership and relevant governance committees.</span></li> <li style="font-family: verdana, geneva, sans-serif; font-size: 12pt;"><span style="font-family: verdana, geneva, sans-serif; font-size: 12pt;">Support horizon scanning activity, translating regulatory change into practical impact assessments for the business.</span></li> </ul> <p class="font-claude-response-body break-words whitespace-normal"><span style="font-family: verdana, geneva, sans-serif; font-size: 12pt;"><strong>What We're Looking For</strong></span></p> <ul class="[li_&]:mb-0 [li_&]:mt-1 [li_&]:gap-1 [&:not(:last-child)_ul]:pb-1 [&:not(:last-child)_ol]:pb-1 list-disc flex flex-col gap-1 pl-8 mb-3 print:block print:space-y-1"> <li style="font-family: verdana, geneva, sans-serif; font-size: 12pt;"><span style="font-family: verdana, geneva, sans-serif; font-size: 12pt;">At least 3 years operating in a 2nd line financial crime or AML compliance function within a regulated UK financial services firm, particularly focusing on Business customers - <strong>candidates with exclusively 1st line case management backgrounds and/or predominantly Retail Banking experience will not be suitable.</strong></span></li> <li style="font-family: verdana, geneva, sans-serif; font-size: 12pt;"><span style="font-family: verdana, geneva, sans-serif; font-size: 12pt;">Demonstrable experience designing or running a compliance monitoring or control testing programme - not just