{"id":207294,"url":"https://alion.io/job/capital-on-tap-financial-crime-compliance-specialist","title":"Financial Crime Compliance Specialist","company":{"id":12307,"name":"Capital on Tap","domain":"capitalontap.com","url":"https://alion.io/company/capital-on-tap","size_band":"201-500","is_staffing_agency":false,"is_intermediary":false,"listed_via":null,"ats_vendor":"Greenhouse","truth_index":{"grade":"A","score":89,"open_postings":36,"ghost_share":0,"stale_share":0.444,"repost_share":0,"time_to_fill_p50_days":45,"computed_at":"2026-09-24T05:45:00Z"}},"role":"Legal","role_family":"Legal","seniority":null,"employment_type":"contractor","work_mode":"hybrid","remote_scope":null,"remote_scope_basis":null,"remote_working_hours":null,"hiring_geo_confidence":"structured","locations":["London, United Kingdom"],"countries":["GB"],"hiring_countries":[],"hiring_countries_total":0,"salary":null,"salary_estimate":null,"experience_years_min":null,"visa_sponsorship":false,"relocation_package":false,"has_equity":false,"technologies":[],"status":"live","first_seen_at":"2026-04-21T10:50:40Z","employer_posted_date":"2026-09-23","last_verified_at":"2026-09-25T00:07:08Z","board_verified":true,"closed_at":null,"days_open":156,"trust":{"level":"stale","repost_count":1,"flags":["stale"],"days_open":155},"description":"We’re Capital on Tap\n 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.\nToday 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. \n1,000+ 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! \nThis is a Hybrid role, the Financial Crime Compliance team working from our London (Moorgate) office 3 days per week.\nFinancial Crime Compliance at Capital on Tap\nThe 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. \nWhat You’ll Be Doing\n\nYou'll sit in the 2nd line Financial Crime Compliance team, operating independently from 1st line FinCrime Operations, reporting to the Deputy MLRO. You'll investigate escalations end to end, decide the right outcome for each customer relationship, and where suspicions are established, submit the disclosure to the NCA yourself.\nInvestigate 1LOD escalations - transaction monitoring alerts, fraud referrals, adverse media, complex ownership, PEP reviews.\nBuild a defensible evidence picture: transaction analysis, KYC/CDD review, open-source research, and engagement with the escalating team.\nDecide the outcome - maintain, offboard, and/or report to the NCA - and document the rationale.\nDraft and submit SARs and DAML requests via the SAR Portal, managing consent-regime timelines.\nSequence offboarding around pending DAML requests, with no tipping off under s.333A POCA.\nHandle sensitive escalations, including HR referrals, with discretion.\nKeep audit-ready case records that stand up to regulatory and law enforcement scrutiny.\nFeed outcomes and typology trends back to 1LOD.\nWhat We're Looking For\nHands-on financial crime investigations experience in a regulated UK financial services firm, ideally 2nd line or escalations.\nFirst-hand experience drafting and submitting SARs and DAML requests to the NCA, including consent-regime timelines - not just internal referrals.\nStrong knowledge of POCA 2002 (ss.330-333A, DAML), the Terrorism Act 2000, MLR 2017, JMLSG and the FCA Financial Crime Guide.\nConfident across typologies - money laundering, fraud, sanctions/PEP, adverse media, complex ownership.\nIndependent judgement on maintain/offboard/report decisions, defensible in writing and in person.\nConfidence to challenge 1st line escalation quality.\nSharp written communication - your records will be read by the NCA, regulators and auditors.\nDiversity & Inclusion\n 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.\nGreat Work Deserves Great Perks \n 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:\nPrivate Healthcare including dental and opticians services through Vitality\nWorldwide travel insurance through Vitality\nAnniversary Rewards (£250, £500, £750, 4-week fully paid sabbatical)\nSalary Sacrifice Pension Scheme up to 7% match\n28 days holiday (plus bank holidays)\nAnnual Learning and Wellbeing Budget\nEnhanced Parental Leave\nCycle to Work Scheme\nSeason Ticket Loan\n6 free therapy sessions per year\nDog Friendly Offices\nFree drinks and snacks in our offices\nCheck out more of our benefits, values and missionhere.\n\nOther Info\n Check out our ‘Top Tips’ for interviewing.\nKeep updated on new job opportunities by following us on Linkedin.\nEmail  if you have any questions.\nExcited to work here? Apply!\n If you’d like to progress your career within our fast growing, profitable fintech then click apply and we will aim to get back to you within 3 working days (during busy periods this could take up to 5 working days.)","description_format":"text","description_chars":4529,"description_truncated":false,"requirements":{"experience_years_min":null,"management_years_min":null,"team_size_min":null,"manages_managers":false,"education":null,"security_clearance":false,"languages":[]},"benefits":["Parental leave","Pet friendly"],"hiring_locations":[{"name":"United Kingdom","iso":"GB","kind":"country"}],"hiring_excludes":[],"relocation_offered":false,"industries":["Financial Services","Credit Cards"],"lifecycle":[{"event":"open","at":"2026-09-05T07:59:43Z"},{"event":"close","at":"2026-09-18T09:12:41Z"},{"event":"reopen","at":"2026-09-23T16:43:09Z"}],"liveness":{"score":12,"band":"cold","label":"Long shot","p_open":1,"p_active":0.42,"p_room":0.28,"age_days":155,"expected_fill_days":45,"reasons":["conf:2","velocity","win:tail","crowd:"],"computed_at":"2026-09-24T05:45:00Z"},"pay":null,"html_url":"https://alion.io/job/capital-on-tap-financial-crime-compliance-specialist","json_url":"https://alion.io/job/capital-on-tap-financial-crime-compliance-specialist.json","meta":{"generated_at":"2026-09-25T01:04:50Z","cache_seconds":300,"methodology":"https://alion.io/methodology","terms":"https://alion.io/terms","contact":"https://alion.io/contact","api":"https://alion.io/developers","usage":{"tier":"crawler","counted_by":"address","units_charged":1,"used_today":1007,"day_limit":5000,"remaining_today":3993,"minute_limit":60,"resets_at":"2026-09-26T00:00:00Z"}}}