Data Analytics Financial Crime
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Job Summary
Were Capital on Tap
Capital on Tap started because small businesses were underserved. Big banks were slow their products werent fit for purpose and small business owners often couldnt access what they needed. We set out to fix that.
Today were 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.
1000 employees 20bn in annual card spend 200000 customers 17000 Trustpilot reviews averaging 4.7 stars and were profitable. Weve done a pretty good job so far but were just getting started!
This is a Hybrid role in our London (EC1Y 8LZ) Offices 3 days per week.
Financial Crime Compliance at Capital on Tap
The Financial Crime function is responsible for the ongoing management of the companys 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.
What Youll Be Doing
- This is a hands-on data role first youll be writingcomplex SQL queries to interrogate transaction and customer data identify anomalies and surface emerging risk patterns.
- Design and build financial crime detection rules from scratch set thresholds based on data and iterate based on real-world performance.
- Own rules end-to-end. You spot the gap you build the fix you monitor the outcome.
- Work across lending and card data to understand how our customers behave and where financial crime risk sits in our specific product set.
- Support investigation and escalation workflows contributing to SAR decisions where required.
- Collaborate with Compliance Risk and Product to embed financial crime controls at the product layer.
- Contribute to the ongoing improvement of our transaction monitoring approach as the function matures.
Were Looking For
- A strong data analyst background in a fintech or digital lending environment. You know what SMB transaction data looks like and youre comfortable working with messy high-volume datasets.
- SQL you can actually use. CTEs window functions the difference between WHERE and HAVING.
- A genuine builder instinct. You dont wait to be told theres a problem. You find it in the data and you fix it.
- Experience working end-to-end on analytical problems. Not handing logic to a tech team. You own it through to deployment.
- Comfortable in a small fast-moving team where the answer isnt always obvious and you have to work it out yourself.
Useful but not essential
- Working knowledge of AML typologies such as layering structuring or mule account detection.
- Sanctions or PEPs screening exposure operational or otherwise.
- Experience with transaction monitoring platforms such as Actimize Napier or ComplyAdvantage.
- SAR production or exposure to regulated financial crime reporting.
- Python or R for analysis beyond SQL.
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 (-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.
Other Info
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Email if you have any questions.
Excited to work here Apply!
If youd 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.)
Key Skills
About Company
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