FinCrime EDD Team Leader

Join to apply for the Fin Crime EDD Team Leader role at Capital on Tap
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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 businesses save time and money. Capital on Tap proudly serves over 200,000 businesses worldwide and aims to help 1 million small businesses by 2030.

We empower you to be innovative and solve complex problems. Take ownership, make an impact, and thrive in our scaling and agile environment. 📈 Check out the development opportunities in the Financial Crime team. 🏡🏢 This is a hybrid role in the Manchester office. Office attendance is required 3 days per week, Monday to Friday, 9am‑5:30pm.

The Financial Crime team consists of 62 people globally and ensures that Capital on Tap meets its regulatory obligations in AML and CTF.

• Lead and mentor a team of EDD Analysts, providing regular one-to-one coaching and support to ensure professional growth and high-quality output.
• Oversee complex EDD investigations on SME customers in the UK and US, serving as the final escalation point for difficult KYB decisions involving obscure money movement or complex ownership structures.
• 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 aligned with the company's risk appetite.
• Collaborate with leadership to refine financial crime policies and enhance onboarding processes, contributing to the evolution of monitoring strategies.
• Support the internal approval process for Suspicious Activity Reports (SARs) before submission to 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 identify process enhancements and share insights on new financial crime trends.

• Previous experience leading or mentoring teams in a financial crime environment, ideally in Enhanced Due Diligence.
• 6+ years of experience in financial crime roles, with deep expertise in KYB requirements for SME corporate customers in both the UK and US.
• Experience in higher risk sectors with SME customers, articulating risks and mitigation strategies.
• Expert-level ability to analyse complex ownership structures, including trusts, funds, and overseas entities, translating risks into clear 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 clear communication of complex concepts to team and senior stakeholders.
• Experience handling or overseeing SAR preparation and navigating regulatory expectations across jurisdictions.

• A recognised AML or Financial Crime qualification (e.g., ICA, ACAMS) is a plus.

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Apply! If you'd like to progress your career within our fast‑growing, profitable fintech, click apply and we hope to get back to you within 3 working days (up to 5 during busy periods).

Mid‑Senior level

Full‑time

Information Technology

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Manchester, England, United Kingdom.