FinCrime CDD Analyst

• 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

• 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

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