Financial Crime Specialist

Who are we? 

Running a business is hard, we make it easier. Capital on Tap is the premier credit card company for small businesses! We have helped over 125,000 businesses access credit and hope to partner with over 1 million by the end of 2025. 

We are looking for a Financial Crime Specialist to join our existing team as the business scales globally!

You will support the US FinCrime (BSA/AML) Team to assess our highest risk accounts and make decisions that have a big impact on our customers and our business. You will support the team with challenging, testing and developing anti-money laundering and fraud controls and processes in order to protect the business.

This role is a great fit for you if you have strong problem solving and critical thinking skills. This role covers all aspects of BSA/AML and Fraud risk faced by the business so if you’ve got the right skills from your existing role, we’d love to speak to you.

• End to end investigations from alert and investigation to SAR filing.
• Conducting money laundering and fraud assessments across US and UK markets using in-house systems, open source investigations, and our real-time third party tools to help protect the business.
• Review of rule trips, red flags, and suspicious referrals on customer accounts.
• Identify new trends to support the team with building new rules and controls where required.
• Sound judgement and confidence to assess and make independent decisions on potential fraudulent or suspicious activity.
• Work closely with other teams on projects, giving input into Fincrime processes and controls as the business grows.
• Ability to assess referred cases to ensure minimal inconvenience to the customer while preventing monetary and reputational loss to the company.

• You should have experience in making independent risk-based judgements on BSA/AML investigations. This should be in an operational role working on accounts and liaising with customers directly, not in an oversight function.
• You must have experience in drafting Suspicious Activity Reports.
• You should have an interest in AML, Financial Crime and Fraud and a willingness to learn the regulatory landscape and criminal techniques in more detail.
• You’ll need to be confident in your ability to make best-judgement decisions and be able to communicate these effectively to both your team members, customers and other teams in the business.
• You should have a critical eye and strong attention to detail. You should enjoy working independently and efficiently in a demanding, high volume environment
• Professional certification: CFCS or CAMS is a plus.

The fun stuff (Perks and Benefits)

• Competitive Salary
• 90% Healthcare Premium paid by employer
• 401k Match - 100% Match to 3% and 50% to 5%
• 20 Days PTO
• Excellent progression and opportunity to grow and develop - we even give every employee $1,250 a year to grow their skills outside the company
• Generous anniversary rewards
• An opportunity to pilot new ideas that impact the growth and direction of the business

We are 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.

If you want to progress your career within a fast-growing, profitable fintech then click apply and we will get back to you!