Financial Crime and Disputes Investigator

About this role

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! 📍 [Cardiff] | 🏢 [3 days in the office per week] Financial Crime/Customer Operations 🚀 Our Financial Crime team is growing quickly along with the company. They work on the front line to protect the company against financial crime such as money laundering and terrorist financing.

From screening, onboarding, transaction monitoring through to CDD and EDD, they make decisions that really matter on a daily basis. The Role 🚀 We're looking for a Financial Crime and Disputes Agent to join our first-line team protecting UK and US customers from fraud, financial crime, and payment disputes. This is a hands-on, case-handling role covering both disciplines, from financial crime alerts and due diligence reviews through to disputes and chargebacks, making sure customers get fast and fair outcomes, day in and day out.

This role works a 5-day week, this will include every weekend and every bank holiday Monday, with your rest days falling elsewhere in the week. What You’ll Be Doing 🗃️ Investigating and processing financial crime cases - including due diligence reviews, KYC refreshes, and financial crime alerts and referrals - in line with policy, procedure, and regulatory requirements. Investigating and resolving fraud cases, including unauthorised transactions and chargebacks, in line with card scheme rules and regulatory timelines.

Identifying and appropriately supporting vulnerable customers and victims of fraud throughout their case. Keep your knowledge fresh, you’ll be staying up to date with fraud typologies, financial crime risks, and relevant regulation. Working collaboratively with the wider Fraud, Financial Crime, Disputes, and Compliance teams to share knowledge, flag emerging risks, and support continuous improvement. Our Values & Culture 🌞 Just Pilot: We never settle for “good enough”.