Compliance Analyst

We’re Capital on Tap 👋
💳 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, and we're profitable. We’ve done a pretty good job so far, but we’re just getting started! 

📍 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.

The Compliance Analyst will be based out of our New York office, working within the US Compliance team. This role sits at the intersection of growth and responsible compliance - working with stakeholders who want creative solutions, not just a checklist.

What You’ll Be Doing 🗃️

• Support the US Compliance team across the full compliance programme, including testing and monitoring
• Conduct root cause analysis on compliance issues and incidents, ensuring they are properly documented and escalated
• Investigate and respond to escalated customer complaints, including written responses and reporting
• Prepare and track compliance reporting for our bank partner, management, and regulatory bodies
• Review marketing materials and assist in maintaining and drafting policies and procedures
• Contribute to programme enhancements, controls development, and ad-hoc compliance projects

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 🔎

• 3-5 years of experience in financial services, with a background in compliance testing and monitoring, audit, or a related control function
• Strong attention to detail with the ability to spot issues others miss
• Solid writing and analytical skills, comfortable working independently and collaboratively
• Strong project management skills — able to handle multiple workstreams without dropping anything
• Familiarity with UDAAP, ECOA, small business lending, and credit card servicing
• SQL proficiency is a plus

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.)