---
title: 'Financial Crime Specialist at Incard'
canonical: 'https://feeny.ai/job/financial-crime-specialist-incard-london-2wnygmtey3hs'
type: 'job'
last_seen: '2026-09-09'
---

# Financial Crime Specialist at Incard

- **Company:** Incard
- **Location:** London, United Kingdom
- **Employment:** full-time
- **Work type:** onsite
- **Posted:** 2026-08-05
- **Last confirmed live:** 2026-09-09
- **Apply:** https://jobs.ashbyhq.com/incard/5cf90257-e88c-4f9a-9024-cf5c12902ebb

## Job description

## ABOUT INCARD

Incard’s mission is to build the financial operating system for entrepreneurs.

We are focused on creating a system where business banking, financial tools, and application logic are coordinated into a single control layer.

Through the app store, entrepreneurs and developers can build industry-specific functionality as their business evolves.

## Role Purpose

The Financial Crime Specialist is responsible for the day-to-day operation of Incard's financial crime detection and investigation capability. This is a hands-on, individual-contributor role covering transaction monitoring, alert investigation, SAR/DAML reporting, EDD, and typology development, working closely with the MLRO to ensure Incard's financial crime controls remain effective as the product suite and customer base evolve.

## Key Responsibilities

- Own the management of the transaction monitoring software tool, including alert configuration input, data quality issues, and case management.
- Develop and maintain financial crime typologies on a continuous basis as the product suite evolves, feeding rule and scenario changes into the transaction monitoring system.
- Work alerts through investigation, disposition, and escalation; propose threshold and rule tuning based on false positive trends.
- Produce financial crime management information (MI) for the MLRO, and for the Risk and Compliance Committee (RCC) and Board as needed.
- Investigate and escalate matters to the MLRO, and support Suspicious Activity Report (SAR) and Defence Against Money Laundering (DAML) reporting to the National Crime Agency (NCA), including tracking of reporting timeliness.
- Act as the escalation point for onboarding cases requiring financial crime input, including adverse media, PEP, complex ownership structures, and sanctions nexus.
- Review and conduct Enhanced Due Diligence (EDD) cases; own EDD trigger criteria and refresh scheduling.
- Own and maintain financial crime procedural manuals.
- Maintain financial crime records, including SAR/DAML files, EDD files, and alert dispositions, in line with retention requirements.
- Support ad hoc projects as required.

## Key Skills & Experience

- Demonstrable experience in a financial crime / AML operational role within a bank, EMI, payments firm, or other FCA-regulated financial services business.
- Hands-on experience operating a transaction monitoring system, including alert investigation, tuning, and case management (e.g. Unit21 or equivalent).
- Working knowledge of UK financial crime and AML regulation, including the Money Laundering Regulations 2017 and JMLSG guidance.
- Practical experience preparing and submitting SARs/DAMLs to the NCA.
- Experience conducting EDD, including adverse media, PEP, complex structures, and sanctions-related reviews.
- Strong analytical skills, with the ability to identify typologies and trends from alert and case data.
- Clear, concise written communication skills for MI reporting to senior stakeholders and committees.
- Relevant professional qualification (e.g. ICA, ACAMS) is desirable but not essential.

## BENEFITS:

- Competitive cash-based compensation
- Incard stock options
- 25 days of paid time off per year, plus bank holidays and your birthday off
- Global health insurance and unlimited paid sick leave

## About Incard

## Company Overview
- **One-liner**: Incard is a financial platform for high-growth digital companies, offering multi-currency business accounts, corporate cards, and cash-flow management tools tailored for e‑commerce brands, agencies, and creators.
- **Entity Type**: Private (Series A)
- **Headquarters**: London, United Kingdom [cbinsights.com](https://www.cbinsights.com/company/incard)
- **Founded**: 2020 [linkedin.com](https://uk.linkedin.com/company/incard)
- **Founders**: Theo Cesarini (CEO), Soraya Tribouillois (Co‑Founder & CFO), Matteo Martino (Co‑founder & COO) [linkedin.com](https://uk.linkedin.com/company/incard)

## Core Business
- **Primary industry**: Financial Services (Embedded finance / Fintech for e‑commerce)
- **Target customers**: B2B – e‑commerce brands, digital agencies, affiliates, resellers, and creators [linkedin.com](https://uk.linkedin.com/company/incard)
- **Mission / Purpose**: “Building the financial operating system for digital entrepreneurs” – reconfigure how entrepreneurs manage their finances by providing an all‑in‑one platform that replaces fragmented banking and payment tools [cbinsights.com](https://www.cbinsights.com/company/incard)

## Products & Services
- **Multi‑currency Business Accounts**: Supports global revenue streams with real‑time cash‑flow tracking and accounting automation. [cbinsights.com](https://www.cbinsights.com/company/incard)
- **Virtual & Mobile Wallet Cards**: Enables faster payments, higher limits, and 24/7 support for business spending. [linkedin.com](https://uk.linkedin.com/company/incard)
- **Ad‑Spend Rewards**: Incard offers rewards on advertising spend, helping customers reinvest in growth. [cbinsights.com](https://www.cbinsights.com/company/incard)
- **App Store & AI Automation**: The company is developing an app store and investing in AI to further automate financial workflows. [cbinsights.com](https://www.cbinsights.com/company/incard)

## Market Standing
- **Valuation / Market Cap**: Not disclosed (private)
- **Key Metric**: Total funding raised – **$16.78M** (including a £10M / ~$13.69M Series A led by Smartfin in February 2026) [cbinsights.com](https://www.cbinsights.com/company/incard)
- **Notable Investors/Partners**: SmartFin Capital (lead), Founders Capital, MountFund, SyndicateRoom, GE Ventures [cbinsights.com](https://www.cbinsights.com/company/incard)
- **Growth Signals**:
  - Secured an **Electronic Money Institution (EMI) licence** from the UK’s FCA in early 2026, enabling direct issuance of e‑money and payment accounts [cbinsights.com](https://www.cbinsights.com/company/incard)
  - Over **£500M** transacted on the platform by users to date [cbinsights.com](https://www.cbinsights.com/company/incard)
  - Employee headcount grew **+70% year‑over‑year** (reaching 21 employees) [linkedin.com](https://uk.linkedin.com/company/incard)
  - Customers include brands like **Azio Beauty, Aloe Paris, and Ankhway** [cbinsights.com](https://www.cbinsights.com/company/incard)

## Competitive Advantages
- **EMI Licence**: Direct regulatory oversight by the FCA gives Incard autonomy to innovate in payments and card‑issuing without relying on a third‑party bank [cbinsights.com](https://www.cbinsights.com/company/incard)
- **Specialised for e‑commerce**: Unlike general‑purpose neobanks, Incard is purpose‑built for digital entrepreneurs, integrating with major e‑commerce platforms and offering ad‑spend rewards [linkedin.com](https://uk.linkedin.com/company/incard)
- **All‑in‑one Financial OS**: Combines business accounts, corporate cards, cash‑flow management, invoicing, and ad spend in a single orchestration layer [cbinsights.com](https://www.cbinsights.com/company/incard)

## Strategic Focus
- **Expand product suite**: Continue building the “app store” and invest heavily in **AI and automation** to further simplify entrepreneurs’ financial workflows [cbinsights.com](https://www.cbinsights.com/company/incard)
- **Scale customer base**: Capitalise on the EMI licence to offer faster, more flexible services to high‑growth e‑commerce brands and agencies across Europe [cbinsights.com](https://www.cbinsights.com/company/incard)
- **Hiring & talent**: Active recruitment for senior engineering, product, compliance, and creative roles, with a focus on entrepreneurial‑minded team members [incard.com/careers](https://incard.com/careers)

## Why Work Here
- **Culture highlights**: Incard emphasises diversity (40% women, multiple nationalities) and an entrepreneurial, “win as a team” mentality [incard.com/careers](https://incard.com/careers)
- **Work policy**: Hybrid and in‑office options available; the London headquarters operates on an “in‑office” basis per Built In, though some roles are listed as hybrid [builtin.com](https://builtin.com/company/incard)
- **Engineering culture**: Strong investment in AI and automation; team size is small (~21 people) allowing for outsized impact; senior engineering roles open (Frontend, Backend, iOS, Android, Data/AI) [linkedin.com](https://uk.linkedin.com/company/incard) [jobs.ashbyhq.com](https://jobs.ashbyhq.com/incard)
- **Perks**: Not explicitly listed, but the company’s mission to “save time and money” for entrepreneurs reflects a practical, results‑oriented environment [incard.com/careers](https://incard.com/careers)

## Sources
1. [incard.com/careers](https://incard.com/careers) – Careers page with culture details and values
2. [cbinsights.com](https://www.cbinsights.com/company/incard) – Company profile, funding, EMI licence, and financial data
3. [uk.linkedin.com/company/incard](https://uk.linkedin.com/company/incard) – LinkedIn company page with headcount, revenue, and founding team
4. [builtin.com/company/incard](https://builtin.com/company/incard) – Office locations, job listings, and work‑policy details

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