Regulatory Risk And Compliance Manager

Summary

Join Tide's Compliance Team as a Regulatory Risk & Compliance Manager - UK and play a vital role in ensuring compliance with FCA and other regulatory requirements. You will identify, assess, and mitigate regulatory risks, while ensuring compliance frameworks are embedded across the business. Working with various teams, you'll provide expert advice, lead compliance initiatives, and integrate regulatory requirements into daily operations. As a subject matter expert, you'll influence decisions and strategies. This fast-paced role offers cross-team exposure and the ability to impact Tide's business practices. The position requires significant experience in compliance and regulatory risk management within financial services, along with strong expertise in relevant regulations and experience interacting with regulators.

Requirements

• At least 7+ years of experience in Compliance, Regulatory Risk, or Risk Management at a senior level within financial services
• Strong expertise in FCA, PSR, EMI and general Payment regulations, including the FCA handbook (e.g. BCOBS, SYSC, PRIN) Safeguarding, the Consumer Duty, SMCR regulations, GDPR, PSD2 and related frameworks
• Direct experience interacting with regulators, handling responses, managing notifications, and supporting regulatory inspections, audits, and thematic reviews
• Proven track record in regulatory submissions, licence applications, and reporting, ensuring compliance with FCA requirements
• Experience in oversight functions, monitoring key risk indicators (KRIs), and providing Compliance Advisory on new initiatives, products, and services
• Background in Banking, FinTech, Payments/E-Money firms, or Regulatory Consultancy
• Experience working with firms under the FCA regulations
• Ability to interpret complex regulations, research requirements, and advise internal stakeholders on compliance matters
• Proactive problem solver with a strong sense of ownership and accountability in resolving compliance challenges
• Exceptional organisational skills, managing multiple projects, deadlines, and regulatory engagements effectively
• Meticulous attention to detail, with strong drafting, analytical, and risk assessment skills
• Fluency in English (mandatory)

Responsibilities

• Execute the Compliance Monitoring Plan, taking ownership of monitoring activities, addressing findings, and engaging stakeholders as needed
• Research regulatory developments in the UK, assess their impact, and advise on necessary actions
• Manage regulatory submissions, including licence applications, periodic reports, and responses to regulatory information requests
• Ensure accurate and timely regulatory reporting by working closely with business areas and conducting oversight checks where required
• Provide regulatory guidance on product and service development, conducting compliance assessments for new initiatives
• Maintain and update compliance policies in line with UK and FCA regulations, tracking required refresh cycles
• Support the Regional Lead of Risk & Compliance and the Global Head of Compliance & Conduct Risk in regulatory engagements, strategic planning, and governance
• Lead and actively participate in the Regulatory Risk & Compliance working group, ensuring key issues are identified, addressed, and escalated
• Act as a liaison for external partners and service providers on oversight requests and regulatory expectations
• Coordinate and deliver compliance and risk-related training across the business
• Collect and prepare MI for internal governance reporting and external regulatory submissions
• Track regulatory deadlines, file submissions, maintain a log of regulatory interactions, and prepare for meetings and inspections with the FCA and other authorities
• Engage with internal teams to respond to compliance-related requests and regulatory inquiries, ensuring cross-functional alignment
• Work closely with the 1LOD to remediate regulatory oversight findings and enhance controls
• Identify, assess, and monitor regulatory risks, ensuring appropriate mitigation measures are in place
• Support internal and external audits, participate in compliance reviews, and oversee effective remediation of findings

Preferred Qualifications

German and/or French is a plus

Benefits

• Flexible working options
• Share options
• Group Life Insurance
• Vitality Health Insurance, with a proactive focus on mental and physical wellbeing
• 25 days holiday with an additional 3 days for L&D or volunteering time off per year
• We invest in your development with a £1,000 professional L&D budget per year
• Access to ‘salary sacrifice’ benefits such as Cycle to Work scheme and pension contribution
• Spacious brand-new office near Old Street with an all-day snacks bar
• Enhanced family-friendly leave
• Sabbatical leave