Capital on Tap

Role Description In this role, you will work directly with customers to help them manage financial arrears by setting up fair repayment plans while ensuring compliance with relevant laws and policies. You’ll be an empathetic and professional communicator, striving to resolve issues with patience and persistence. - Engage directly with customers to negotiate repayment plans - Analyse financial situations to create tailored solutions - Ensure adherence to GDPR, FCA, and FDCPA regulations - Handle customer complaints and resolve conflicts effectively - Prioritize multiple tasks while maintaining high-quality standards - Work with internal and external teams to support customer outcomes Qualifications - Collections experience within financial services - Strong communication skills, both verbal and written - Proven ability to manage challenging customer interactions - Experience using multiple communication platforms (email, SMS, etc.) - Ability and skills to handle difficult conversations and deliver a fair customer outcome Benefits - Salary range £29,000 - £37,000 depending on experience - Private Healthcare including dental and optician 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 Company Description Capital on Tap started because small businesses were underserved. Big banks were slow, their products weren't fit for purpose, and small business owners often couldn't access what they needed. We set out to fix that. Today we're a financial platform - not just a credit card company. We offer a best-in-class business credit card, SME-focused spend management platform, a savings product that hit £1 billion in funds within its first year, and a growing suite of tools and financial products that make running a small business easier. - 1,000+ employees - £20bn in annual card spend - 200,000+ customers - 17,000+ Trustpilot reviews averaging 4.7 stars - We’re profitable

Role Description 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. Qualifications - 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. Interview Process - Stage 1: 30 minute call with a Talent Partner - Stage 2: 30 minute take home test to be completed in your own time - Stage 3: 60 minute interview in person with 2 of our Team Leaders in Financial Crime 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

Role Description The Financial Crime team consists of 62 people globally. They are responsible for ensuring that Capital on Tap meets its regulatory obligations in relation to all things AML and CTF. - Support the Onboarding Journey: Complete KYC and KYB checks across our product range accurately and efficiently. - Effective Screening: Review PEPs, Sanctions, and Adverse Media alerts, identifying potential risks and escalating complex hits for Enhanced Due Diligence (EDD). - Clear Communication: Handle "grey area" cases by gathering necessary information and seeking guidance from senior team members. - Proactive Learning: Contribute ideas to the team on how we can make our checks more efficient for customers. Qualifications - Previous experience conducting KYC/KYB checks, with a solid grasp of how to identify PEPs, Sanctions, and Adverse Media hits. - A background working in a regulated financial services environment, ideally across a range of different customer or product types. - Experience managing the balance between gathering necessary due diligence and maintaining a smooth, professional journey for the customer. - Proven ability to communicate with customers or internal stakeholders to request information or explain compliance requirements clearly and professionally. - Comfortable navigating multiple internal systems and adapting to different risk appetites across a diverse multi-product landscape. - A proactive approach to learning new regulatory updates and a willingness to suggest process improvements to the wider team. Requirements - Stage 1: 30 minute screening call with a Talent Partner - Stage 2: take home task - Stage 3: 60 minute interview with a Team Leader in FinCrime 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

We’re Capital on Tap 👋 💳 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. 📈Check out the development opportunities in the Sales Team. 🏡This is a remote role with the expectation to be in our Brighton/London office once a quarter. What You’ll Be Doing You'll be managing your own portfolio of  Customer accounts. You will be responsible for the entire sales cycle from outbound prospecting through to ramping up card spend and account management. This is a telephone-based role (no face-to-face or field sales involved) and you’ll primarily be contacting SME owner-directors selling our award-winning business credit card. Self-generating leads #Building and managing a customer pipeline Making 30-50 outbound cold calls per day Working towards and hitting targets of card spend Managing customer accounts and spend Working to high standards of FCA regulations We’re Looking For 2+ years of telesales experience, Ideally B2B sales Experience in a 360 sales cycle Experience in a high-volume cold calling role Experience in financial sales, Ideally Card sales 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: 💰Uncapped commission structure (OTE 60k-70k) 🏥 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. Other Useful Info Interview Process: 🤝First stage: 30-minute intro and values call with Talent Partner (Telephone call) 🤝Final stage: 60-minute Google meet interview with 2 Sales Managers, presenting a case study task Other Info 👍Check out our ‘Top Tips’ for interviewing. ✔️Keep updated on new job opportunities by following us on Linkedin. 📧Email careers@capitalontap.com if you have any questions. Excited to work here? Apply! 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.)