FinCrime EDD Team Leader

📍 Manchester | 🏢 3 days a week in the office 

Financial Crime/Customer Operations 🚀The Financial Crime team consists of circa 70 people globally. They are 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 an Enhanced Due Diligence Team Leader, you will:

• Lead and mentor a team of EDD Analysts, providing regular 1-to-1s, coaching, and support to ensure professional growth and high-quality output.
• Oversee complex EDD investigations on SME customers in the UK and US, acting as a final escalation point for difficult KYB decisions which could involve obscure money movement or complex ownership structures involving trusts, funds and overseas entities.
• Manage team workflows and capacity to ensure Transaction Monitoring alerts and EDD reviews are completed in line with established quality and timeliness standards.
• Drive quality assurance by performing regular reviews of team decisions and documentation, ensuring rationales are sound and align with the company's risk appetite.
• Collaborate with leadership to refine financial crime policies, enhance onboarding processes, and contribute to the evolution of monitoring strategies.
• Support the internal approval process for Suspicious Activity Reports (SARs) before submission to relevant authorities like the NCA and FINCEN.
• Serve as a subject matter expert for the wider business on financial crime typologies and emerging risks within high-risk sectors.
• Promote a culture of continuous improvement, encouraging the team to proactively identify process enhancements and share insights on new financial crime trends.

Our Values & Culture 🌞

• Just Pilot: We never settle for “good enough”. We pilot new ideas fast, ask questions to figure it out, and scale quickly.
• Why Not Today? Fast is as slow as we go - speed and simplicity gives us a competitive advantage.
• Be a Buddy: We tap in from day one to help the team, we do the right thing even if it’s hard.
• Owners and Dates: We don’t chase people. If you own a task and agree to a date, the expectation is that it gets done.
• Feedback: We want our employees to flourish, so we regularly provide direct and constructive feedback.

We’re Looking For 🔎

• Previous experience leading or mentoring teams within a financial crime environment, with a focus on Enhanced Due Diligence (EDD).
• 6+ years of experience in financial crime roles, with deep expertise in KYB requirements for SME corporate customers in both the UK and US. 
• Previous exposure to higher risk sectors, and SME corporate customers operating within them, being able to articulate both the risks posed by operation in such sectors, as well as how they can be managed. 
• Expert-level ability to analyse complex ownership structures, including trusts, funds, and overseas entities, and translate risks into clear, actionable decisions.
• Proven track record of making sound, risk-based decisions in a fast-paced environment while maintaining exceptional attention to detail.
• Strong leadership qualities, including the ability to communicate complex concepts clearly to both your team and senior stakeholders.
• Experience in handling or overseeing the preparation of SARs and navigating regulatory expectations across different jurisdictions

Interview Process 🤝

• Stage 1: 30 minute screening call with a Talent Partner
• Stage 2: 60 minute interview with the team Manager and another Team Leader
• Stage 3: 60 minute interview with someone from our 2nd line FinCrime team

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 PerksWe 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
🚘 Octopus EV Salary Sacrifice Scheme
🏖️ 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.