Wait, What Do You Do?

<div class="content-intro">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! </div>📍 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 🗃️ <ul> <li class="font-claude-response-body whitespace-normal break-words pl-2" style="font-family: verdana, geneva, sans-serif; font-size: 12pt;">Support the US Compliance team across the full compliance programme, including testing and monitoring</li> <li class="font-claude-response-body whitespace-normal break-words pl-2" style="font-family: verdana, geneva, sans-serif; font-size: 12pt;">Conduct root cause analysis on compliance issues and incidents, ensuring they are properly documented and escalated</li> <li class="font-claude-response-body whitespace-normal break-words pl-2" style="font-family: verdana, geneva, sans-serif; font-size: 12pt;">Investigate and respond to escalated customer complaints, including written responses and reporting</li> <li class="font-claude-response-body whitespace-normal break-words pl-2" style="font-family: verdana, geneva, sans-serif; font-size: 12pt;">Prepare and track compliance reporting for our bank partner, management, and regulatory bodies</li> <li class="font-claude-response-body whitespace-normal break-words pl-2" style="font-family: verdana, geneva, sans-serif; font-size: 12pt;">Review marketing materials and assist in maintaining and drafting policies and procedures</li> <li class="font-claude-response-body whitespace-normal break-words pl-2" style="font-family: verdana, geneva, sans-serif; font-size: 12pt;">Contribute to programme enhancements, controls development, and ad-hoc compliance projects</li> </ul> Our Values & Culture 🌞 <ul> <li>Just Pilot: We never settle for “good enough”. We pilot new ideas fast, ask questions to figure it out, and scale quickly.</li> <li>Why Not Today? Fast is as slow as we go - speed and simplicity gives us a competitive advantage.</li> <li>Be a Buddy: We tap in from day one to help the team, we do the right thing even if it’s hard.</li> <li>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.</li> <li>Feedback: We want our employees to flourish, so we regularly provide direct and constructive feedback.</li> </ul> We’re Looking For 🔎 <ul> <li class="font-claude-response-body whitespace-normal break-words pl-2" style="font-size: 12pt; font-family: verdana, geneva, sans-serif;">3-5 years of experience in financial services, with a background in compliance testing and monitoring, audit, or a related control function</li> <li class="font-claude-response-body whitespace-normal break-words pl-2" style="font-size: 12pt; font-family: verdana, geneva, sans-serif;">Strong attention to detail with the ability to spot issues others miss</li> <li class="font-claude-response-body whitespace-normal break-words pl-2" style="font-size: 12pt; font-family: verdana, geneva, sans-serif;">Solid writing and analytical skills, comfortable working independently and collaboratively</li> <li class="font-claude-response-body whitespace-normal break-words pl-2" style="font-size: 12pt; font-family: verdana, geneva, sans-serif;">Strong project management skills — able to handle multiple workstreams without dropping anything</li> <li class="font-claude-response-body whitespace-normal break-words pl-2" style="font-size: 12pt; font-family: verdana, geneva, sans-serif;">Familiarity with UDAAP, ECOA, small business lending, and credit card servicing</li> <li class="font-claude-response-body whitespace-normal break-words pl-2" style="font-size: 12pt; font-family: verdana, geneva, sans-serif;">SQL proficiency is a plus</li> </ul> Interview Process 🤝 <ul> <li style="font-family: verdana, geneva, sans-serif; font-size: 12pt;">Stage 1: 30min Initial Video Call</li> <li style="font-family: verdana, geneva, sans-serif; font-size: 12pt;">Stage 2: 60min Technical Interview </li> <li style="font-family: verdana, geneva, sans-serif; font-size: 12pt;">Stage 3: 60min Stakeholder & Values Interview</li> </ul> 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 <ul> <li style="font-family: verdana, geneva, sans-serif; font-size: 12pt;">90% Healthcare Premium paid by New Wave Card, LP</li> <li style="font-family: verdana, geneva, sans-serif; font-size: 12pt;">401k Match - 100% Match to 3% and 50% to 5%</li> <li style="font-family: verdana, geneva, sans-serif; font-size: 12pt;">25 Days PTO</li> <li style="font-family: verdana, geneva, sans-serif; font-size: 12pt;">5 Days Sick Pay</li> <li style="font-family: verdana, geneva, sans-serif; font-size: 12pt;">$1,200 Learning & Wellbeing Budget</li> </ul>  <div class="content-conclusion">Other Info 👍Check out our <a href="https://www.capitalontap.com/en/blog/posts/acing-your-interviews-with-capital-on-tap/">‘Top Tips’ for interviewing.</a> ✔️Keep updated on new job opportunities by following us on <a href="https://www.linkedin.com/company/capital-on-tap">Linkedin</a>. 📧Email <a href="mailto:careers@capitalontap.com">careers@capitalontap.com</a> 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.)</div>