FinCrime CDD Analyst

Capital On Tap; Manchester; Hybrid; GBP 80,000 - 100,000; Full time

Job summary

A fintech company in Manchester is seeking a Customer Due Diligence (CDD) Analyst. You will ensure the integrity of customer reviews, performing due diligence on SME customers in the UK and US. The ideal candidate should have experience in financial crime with a focus on CDD, possess strong analytical skills, and be a confident communicator. This is a hybrid role requiring in-office attendance three days a week, offering a dynamic and fast-paced work environment.

Qualifications

• Ensure the integrity of ongoing customer reviews.
• Maintain accurate and up-to-date Know Your Business (KYB) records.
• Identify and record beneficial ownership structures accurately.

Responsibilities

• Perform ongoing due diligence on SME customers.
• Review and verify beneficial ownership structures.
• Complete transaction monitoring checks to identify unusual activity.

Skills

Experience in financial crime roles, specifically with customer due diligence (CDD)

Strong understanding of KYB and CDD regulatory requirements

Proven ability to analyse and record ownership and control structures

Experience in transaction monitoring

Strong analytical and investigative skills

Confident communicator

Ability to work efficiently in a high-volume environment

Education

Recognised AML or Financial Crime qualification (e.g., ICA, ACAMS)

Job description

Overview

Capital on Tap was founded with the mission to help small business owners and make their lives easier. Today, we provide an all-in-one business credit card & spend management platform that helps business owners save time and money. Capital on Tap proudly serves over 200,000 businesses across the world and our goal is to help 1 million small businesses by 2030.

Why Join Us?

We empower you to be innovative and solve complex problems. Take ownership, make an impact, and thrive in our scaling and agile environment.

Location & Office

This is a hybrid role joining our First Line of Defence Financial Crime team in the Manchester office. Office attendance is required 3 days per week with working hours 9-5:30pm Monday to Friday.

Financial Crime at Capital on Tap

The Financial Crime team consists of 62 people globally. The team is responsible for ensuring that Capital on Tap meets its regulatory obligations in relation to all things AML and CTF.

What You’ll Be Doing

As a Customer Due Diligence (CDD) Analyst, you will be responsible for ensuring the integrity of our ongoing customer reviews. You will:

• Perform ongoing due diligence on SME customers in both the UK and US, focusing on maintaining accurate and up-to-date Know Your Business (KYB) records.
• Review and verify beneficial ownership structures, ensuring all individuals with significant control are identified and recorded accurately within our systems.
• Assess the nature of business for existing customers to ensure their activities remain within Capital on Tap’s risk appetite and regulatory standards.
• Complete transaction monitoring checks to identify unusual patterns or activity, ensuring any potential risks are escalated or mitigated promptly.
• Engage directly with customers when necessary to clarify ownership details, business activities, or to request updated documentation.
• Make sound, risk-based decisions based on updated information, providing clear and documented rationale for all review outcomes.
• Collaborate with the wider FinCrime team to share insights on emerging trends and contribute to the enhancement of ongoing review processes.

We’re Looking For

Required skills:

• Experience in financial crime roles, specifically with customer due diligence (CDD) or ongoing monitoring responsibilities for SME corporate customers.
• Strong understanding of KYB and CDD regulatory requirements across both UK and US jurisdictions.
• Proven ability to analyse and record ownership and control structures accurately.
• Experience in transaction monitoring and the ability to identify red flags or suspicious activity.
• Strong analytical and investigative skills with high attention to detail in documenting findings.
• Confident communicator, capable of interacting with internal stakeholders and external customers to resolve queries.
• Ability to work efficiently in a high-volume, fast-paced environment while maintaining high quality standards.

Desirable skills:

• A recognised AML or Financial Crime qualification (e.g., ICA, ACAMS) is a plus, but not essential.

Next Steps

Check out our ‘Top Tips’ for interviewing. Keep updated on new job opportunities by following us on LinkedIn.

Email [e-mail] if you have any questions.

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).