Regulatory Risk & Compliance Manager – UK

Overview

In this role, you will lead Tide’s regulatory risk and compliance for the UK, focusing on e-money and payments. You will advise on the scope of our e-money permission, embed regulatory requirements across the business, and manage interactions with the FCA. You’ll drive horizon scanning, governance, and training while collaborating with product, operations, and legal. This is a pivotal role for shaping compliant growth in a fast-paced fintech environment.

Pay / Benefits

• Salary sacrifice benefits (Nursery, Cycle to Work)
• Comprehensive private health insurance
• Life & Accident cover
• Mental wellbeing resources
• Retirement planning (pension)
• Volunteering & development days

Responsibilities

• Advise on the scope of Tide’s e-money permission and lead compliance with EMR 2011 and PSD2 2017, including regulatory submissions
• Lead FCA correspondence, submissions, inspections, and thematic reviews
• Own horizon scanning and regulatory mapping for UK payments developments and assess actions
• Execute the Compliance Monitoring Plan and address findings across stakeholders
• Provide regulatory support to other risk areas (Financial Crime, Operational, Information Security, Conduct)
• Maintain and update compliance policies per UK/FCA regulations with refresh cycles
• Support Global Director of Compliance in regulatory engagements and governance
• Lead participation in the Regulatory Risk & Compliance working group and escalate issues
• Coordinate and deliver regulatory and risk training across the business (payments/e-money)
• Prepare MI for governance reporting and external regulatory submissions
• Track regulatory deadlines, submissions, and meetings with FCA/authorities
• Provide second-line challenge to first-line controls and oversee remediation of findings
• Support audits and compliance reviews and oversee remediation efforts

Key requirements

• Around seven years in Compliance, Regulatory Risk, or Risk Management in financial services
• Strong knowledge of EMR 2011 and PSD2 2017 and related reporting
• Direct experience with FCA interactions, submissions, and information requests
• Experience across risk areas (Financial Crime, Operational, Information Security, Conduct)
• Experience in oversight, KRIs, and advisory on new initiatives/products/services
• Background in Banking/FinTech/Payments or Regulatory Consultancy
• Ability to interpret complex regulations and advise stakeholders
• Proactive, ownership-driven problem solver with strong organizational skills
• Meticulous drafting, analytical, and risk assessment abilities
• Fluency in English

• Proactive problem solving
• Strong ownership and accountability
• Excellent organizational skills
• Electronic Money Regulations 2011 and Payment Services Regulations 2017
• Regulatory reporting and submissions
• Regulatory risk mapping and horizon scanning

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