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About the Role
As the Risk & Compliance Assurance Manager at Capital on Tap, you will develop the compliance monitoring plan, coordinate with other second line teams, and independently test the business's risk management and compliance with regulations. This senior leadership role requires a proven track record in building and running an independent monitoring program within a fast-growing FinTech environment.
Responsibilities
- Lead Capital on Tap's Risk and Compliance Monitoring Plan, operating independently from the advisory team.
- Provide oversight, challenge, and governance to the first line.
- Design a risk-based monitoring plan, setting standards for scoping, conducting, and reporting reviews.
- Design and conduct thematic reviews and control tests to assess first-line controls across products, processes, and partner banks.
- Coordinate monitoring across UK Compliance, Financial Crime, and US Compliance teams.
- Share standards and findings to improve overall quality.
- Own the follow-up of monitoring actions to closure.
- Surface ageing actions to the Risk Committee and engage the business constructively.
- Produce monitoring reporting for the Risk Committee, senior leadership, and partner banks.
- Translate findings into clear, actionable recommendations.
- Quality-assure monitoring reviews carried out by other areas.
- Provide pragmatic, business-minded challenge to help the first line improve controls.
Requirements
- Hands-on experience owning or running a Compliance Monitoring or independent assurance programme in a UK FCA-regulated firm.
- Experience designing and running reviews end-to-end.
- Proven experience operating in the second line, independent of the first line.
- Track record of building risk-based monitoring plans.
- Solid working knowledge of FCA SYSC and the EMD/PSD regime, applied in practice.
- Demonstrable experience designing thematic reviews and control tests.
- Confidence in analysing data and systems.
- Confident presenting findings and recommendations to senior stakeholders, governance forums, and partner banks.
- Track record of driving monitoring actions to closure.
- Ability to navigate conversations about ageing actions.
- Clear, evidence-based reports and policy documents.
Skills
- Risk Management
- Compliance Monitoring
- Independent Assurance
- FCA Regulations
- EMD/PSD Regime
- Control Testing
- Data Analysis
- Stakeholder Management
- Report Writing
- Policy Development
Location
- London, UK
Work Type
- Hybrid
Experience Level
- Senior Leadership
Education Level
- ICA Diploma in Compliance, ACAMS, IIA, or equivalent (Nice to Have)
- Big 4 or consulting background in financial services compliance or audit (Nice to Have)
Benefits
- Private Healthcare including dental and opticians services through Vitality
- Worldwide travel insurance through Vitality
- Access to a women's health platform via Hertility
- Anniversary Rewards (£250, £500, £750, 4-week fully paid sabbatical)
- Salary Sacrifice Pension Scheme up to 7% match
- 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
About the Company
- Capital on Tap started because small businesses were underserved by big banks.
- It is a financial platform offering a best-in-class business credit card, SME-focused spend management platform, a savings product, and a growing suite of tools.
- The company has over 1,000 employees, £20bn in annual card spend, 200,000+ customers, and 17,000+ Trustpilot reviews averaging 4.7 stars.
- It is a profitable and fast-growing FinTech.
Equal Opportunity
- 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.