Financial Crime Compliance Analyst

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.

📍 Union Square, New York  | 🏢 2 days in Office | $70,000 - $105,000

US Compliance 🚀
Our US Compliance team is fully accountable for keeping our fast-growing US business compliant - covering financial crime investigations, regulatory reporting, policy, and every new product and feature we launch in the US. They also own the relationship with our partner bank.

What You’ll Be Doing 🗃️

• Escalations: Process and decision financial crime escalations from the 1st line FinCrime team and other business units.
• Regulatory Reporting & Sign-off: Handle 314a, AML, and OFAC Reports for the US, and execute final sign-offs for PEPs, and High-Risk entities.
• SAR Drafting & Review: Draft, review, and finalize internal suspicious activity reports raised by cross-functional teams (e.g., credit, customer operations).
• Policy Maintenance: Maintain and update AML policies, procedures, and standards for the 1st line, ensuring all regulatory updates and feedback from Compliance Monitoring, QA, and Independent Audit are integrated.
• Cross-Functional Intelligence: Participate in FinCrime team meetings to provide input and share knowledge regarding identified, emerging operational threats and trends.
• External Coordination: Liaise directly with internal teams to gather necessary documentation for external law enforcement inquiries and partner bank requests.

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 🔎

• 1-2 years owning and completing FinCrime Investigations
• Experience in drafting suspicious activity reports (SARs) 
• Experience in managing 314(a) requests
• Basic SQL experience

Interview Process 🤝

• Stage 1: 30min Initial Video Call
• Stage 2: 60min Technical Interview 
• Stage 3: 60min Stakeholder & Values Interview

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.

Benefits Program

• 90% Healthcare Premium paid by New Wave Card, LP
• 401k Match - 100% Match to 3% and 50% to 5%
• 25 Days PTO
• 5 Days Sick Pay
• $1,200 Learning & Wellbeing Budget

Other Info
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📧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.)