EDD Analyst

ThinkMarkets is a global financial technology company, specializing in providing multi-asset trading solutions to thousands of clients around the world. With our flagship ThinkTrader platform, we make it available for our clients to trade the world 24-hours a day. Our mission is to bridge the gap between traders, investors, and platforms by allowing access to global markets and thousands of products, thus providing our clients with the ability to trade the world in the palm of their hand. We use the latest technologies to give traders seamless access to our proprietary trading platforms.   We are looking for a Compliance Analyst to join our London Compliance team. This role is ideal for someone with experience in the online trading, Forex, CFD, fintech, or broader financial services industry, with a solid understanding of UK financial regulations, AML/KYC requirements, and financial crime prevention.  Working closely with the Compliance team and key stakeholders across the business, you will play an important role in supporting ThinkMarkets in meeting its regulatory obligations and maintaining effective compliance controls within an FCA-regulated environment.  Key Responsibilities  * Contribute to the delivery of the Compliance Monitoring Programme, including thematic reviews, desk-based reviews, and compliance checks across relevant business areas.  * Analyse compliance data and management information to identify trends, potential risks, and areas for improvement, escalating issues where appropriate and supporting practical recommendations.  * Provide day-to-day compliance guidance to internal stakeholders, responding to queries clearly and effectively while maintaining appropriate records.  * Support KYC, client onboarding, and ongoing customer due diligence processes, including the review of client documentation and escalation of potential compliance concerns.  * Support AML and financial crime controls, including transaction monitoring, sanctions screening, and compliance investigations.  * Maintain compliance registers, logs, and trackers, including complaints, training records, regulatory obligations, and policy review schedules.  * Support the preparation of regulatory submissions, compliance reports, and management information as required.  * Review financial promotions, marketing materials, and client communications to ensure alignment with applicable regulatory requirements and internal policies.  * Work closely with Operations, Payments, Risk, Customer Support, and other internal stakeholders to investigate and resolve compliance-related matters.  * Contribute to ad hoc compliance projects and business initiatives, helping to interpret regulatory requirements and translate them into practical, workable outcomes.  * Support compliance activities across ThinkMarkets' onshore and offshore entities and jurisdictions, as required.  Requirements  * 2+ years of experience in a Compliance, AML, KYC, Financial Crime, or Regulatory Compliance role within the online trading, Forex, CFD, fintech, or financial services industry.  * Experience working within an FCA-regulated financial services environment is highly desirable.  * Good understanding of AML/CFT regulations, KYC, CDD, EDD, sanctions screening, and financial crime controls.  * Familiarity with the FCA Handbook and UK regulatory requirements.  * Knowledge of financial markets and leveraged trading products, including Forex and CFDs.  * Strong analytical and investigative skills with excellent attention to detail.  * Ability to manage multiple priorities in a fast-paced environment.  * Excellent written and verbal communication skills.

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 per week in the office Quality Assurance/Customer Operations 🚀 Our QA team is responsible for assessing the quality of the work that’s happening across Customer Operations. You’ll look at deep-dive technical audits of complex investigative cases and operational tasks. You’ll also deliver feedback to people across the business and give them development points to help ensure our customer experience remains fantastic! What You’ll Be Doing 🗃️ We are looking for analytical specialists who can bring deep subject matter expertise to our control environment. In particular, we are looking for someone with expertise in Financial Crime & AML: You have experience auditing or investigating AML alerts, KYC/EDD files, and Sanctions screening, with a firm grasp of the Proceeds of Crime Act (POCA) and suspicious activity reporting (SAR). Your mission is to ensure that every alert and SAR (Suspicious Activity Report) is handled with the highest level of integrity and technical accuracy. You will ensure our outcomes align strictly with FCA regulatory standards and the Proceeds of Crime Act (POCA). * Holistic Case & Task Auditing: Conducting technical audits of end-to-end financial crime cases, alongside customer interactions to ensure full compliance with regulatory standards and internal risk appetite. * SLA & Quality Oversight: Monitoring and assessing adherence to Service Level Agreements (SLAs) to ensure timely risk mitigation without compromising the depth or accuracy of investigations. * Advanced Risk Identification: Proactively identifying emerging risks, procedural gaps, or "near-misses" within case handlings and escalating significant findings to senior stakeholders. * Monthly MI & Reporting: Developing comprehensive Monthly Management Information (MI) reports that translate audit data into actionable business insights. * Trend Analysis & Feedback: Identifying systemic trends and root causes across the department to provide strategic feedback that shapes training, policy updates, and operational processes.   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 🔎 We want someone who’s passionate about doing right by customers and helping others be their best. You will be: * Experienced Investigator: You bring a solid background in Financial Crime, AML and KYC.  * Regulatory Mindset: You understand that a "great outcome" in FinCrime means an investigation that is technically accurate, fully documented, and compliant with FCA expectations, Consumer Duty  and the Proceeds of Crime Act (POCA). * Confident Communicator: You are skilled at delivering constructive, evidence-based feedback. You can explain complex regulatory requirements to analysts and stakeholders in a way that drives performance and technical growth. * Analytical & Detail-Oriented: You are familiar with Quality Assurance frameworks or able to transition naturally from deep-dive investigative work to QA responsibilities. You don't just "check" a task; you audit the decision-making process behind it. * Objective: You possess the "investigative curiosity" needed to spot what isn't there. You can remain objective when reviewing high-pressure tasks and SLAs, ensuring quality is never sacrificed for speed. Interview Process 🤝 * Stage 1: 30 minute intro and values call with a Talent Partner * Stage 2: 45 minute interview with a QA Team Lead and Outcome Testing Manager * Stage 3: 30 minute interview with the Head of Customer Insights 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: 🏥 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 Check out more of our benefits, values and mission here. 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.)