FinCrime EDD Analyst

• Conduct enhanced due diligence (EDD) on SME customers in both the UK and US, with a focus on Know Your Business (KYB) requirements during onboarding and throughout the customer lifecycle
• Independently scrutinise and assess complex ownership structures, including layered entities, trusts, offshore elements, and funds, ensuring decisions align with Capital on Tap's risk appetite
• Investigate high-risk or suspicious activity by analysing corporate structures, customer profiles, and behaviour to identify and mitigate red flags and indicators of financial crime
• Engage directly with customers, when needed, to clarify business activities, ownership, or source of funds/wealth
• Make sound, risk-based decisions based on available information and documented rationale
• Assess and document Source of Funds (SoF) and Source of Wealth (SoW) where appropriate
• Handle Transaction Monitoring alerts and escalations in line with established procedures, ensuring both quality and timeliness are met
• Prepare Suspicious Activity Reports (SARs) for internal approval and external submission to relevant authorities (NCA, FINCEN)
• Act as a subject matter expert for financial crime escalations, providing support across the wider FinCrime team and business
• Support continuous improvement by sharing insights on emerging financial crime typologies and contributing to enhancements in monitoring, onboarding, and ongoing review processes

• 4+ years of experience in financial crime roles, specifically with enhanced due diligence (EDD) responsibilities for SME corporate customers in the UK and US
• Strong understanding of KYB regulatory requirements and expectations across both jurisdictions
• Experience of reviewing, assessing, and articulating risk of high risk customer bases, operating within higher risk sectors
• Demonstrated ability to independently review and analyse complex ownership structures, including trusts, funds, offshore vehicles, and multi-layered entities, and make risk-based decisions in line with company risk appetite
• Strong analytical, investigative, and report-writing skills with clear documentation of findings
• Exceptional attention to detail and the ability to work efficiently in a high-volume, fast-paced environment
• Confident communicator, capable of explaining complex decisions to both internal stakeholders and external customers
• Comfortable proactively raising questions and identifying areas for improvement

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