Data Analytics - Financial Crime

🏢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 company’s 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 You’ll Be Doing

• This is a hands-on data role first, you'll be writing complex 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.

We’re Looking For 🔎

• A strong data analyst background in a fintech or digital lending environment. You know what SMB transaction data looks like and you're 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 don't wait to be told there's 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 isn't 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 (£250, £500, £750, 4-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.