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About the Role

The FCA regulates financial services firms in the UK to ensure fair, thriving, and effective financial markets. This role is crucial for protecting consumers, driving economic growth, and shaping the future of UK financial services. You will play a key part in the Market Interventions – Payments department, overseeing e-money institutions and payment service providers, addressing risks, protecting consumers, and promoting competition.

Responsibilities

Apply experience to shape FCA payments supervision, protecting consumers and building confidence in the UK payments sector.
Provide specialist insight on firm cases, cross-sector initiatives, and emerging risks to support effective regulatory outcomes.
Shape the FCA’s approach to payments by translating market and policy developments into practical supervisory action.
Lead on key supervisory priorities, including safeguarding and financial crime, building trusted relationships across the organisation.
Represent the FCA with senior external stakeholders, helping to shape discussions on the future of payments regulation.
Share knowledge, coach colleagues, and build capability across the department, contributing to a collaborative learning culture.

Requirements

Prior experience applying or advising on UK payment services and/or e-money regulatory requirements within a senior regulatory, legal, or compliance environment.
Demonstrable experience of judgement-based decision making, with in-depth knowledge in prudential regulation, safeguarding of customer funds and/or operational resilience.
Prior experience leading, coaching, mentoring, and supporting the development of less experienced team members.
Advanced analytical skills with the ability to rapidly assess complex information and identify key implications and insights.
Effective written and verbal communication skills, with the ability to convey complex issues clearly and effectively.
Deep understanding of the payments sector, including business models, regulatory frameworks, and market dynamics, coupled with the ability to quickly acquire new knowledge where required.
Demonstrated ability to build credibility and engage effectively with senior stakeholders, including regulatory bodies and government institutions.
Ability to work effectively with a high degree of autonomy, managing priorities and delivering outcomes with minimal supervision.
Sound judgement and a risk-based approach to decision-making, with the ability to make timely, well-reasoned decisions and clearly articulate the rationale.
Proficiency in working with both centralised and local data sources to develop reports, generate insights, and support evidence-based decision-making.

Skills

UK payment services regulatory requirements
E-money regulatory requirements
Prudential regulation
Safeguarding of customer funds
Operational resilience
Analytical skills
Written communication skills
Verbal communication skills
Payments sector understanding
Stakeholder engagement
Autonomy
Risk-based decision-making
Data analysis

Location

Edinburgh
Leeds
London

Work Type

Hybrid

Experience Level

Senior regulatory
Senior legal
Senior compliance
Technical Specialist – Regulatory

Salary/Compensations

National (Edinburgh and Leeds) ranging from £74,900 to £95,000
London £82,300 to £95,000

Benefits

28 days annual leave plus bank holidays
Hybrid model (minimum 40% in office, increasing to 50% from September)
Non-contributory pension (8–12% depending on age)
Life assurance at eight times your salary
Private healthcare with Bupa
Income protection
24/7 Employee Assistance
35 hours of paid volunteering annually
Flexible benefits scheme

About the Company

We regulate financial services firms in the UK, to keep financial markets fair, thriving and effective.
By joining us, you’ll play a key part in protecting consumers, driving economic growth and shaping the future of UK finance services.
SPC oversees firms and individuals (supervision), creates and reviews the rules by which they operate (policy) and identifies and remedies ineffective competition in markets (competition).
The Market Interventions – Payments department plays a central role in the FCA’s supervision of the UK payments sector.
We oversee more than 1,200 FCA-authorised e-money institutions and payment service providers, using a range of proactive and responsive interventions to identify and address risks, protect consumers, support market integrity and promote effective competition.
You’ll join a collaborative team working on high-profile issues that help shape the future of payments and deliver positive outcomes for millions of people across the UK.

Equal Opportunity

We are committed to fostering a diverse and inclusive culture: one that’s free from discrimination and bias, celebrates difference and supports colleagues to deliver at their best.
We believe that our differences and similarities enable us to be a better organisation – one that makes better decisions, drives innovation and delivers better regulation.
If you require any adjustments due to a disability or condition, your recruiter is here to help - reach out for tailored support.
We welcome diverse working styles and aim to find flexible solutions that suit both the role and individual needs, including options like part-time and job sharing where applicable.
We’re proud to be a Disability Confident Employer and therefore, people or individuals with disabilities and long-term conditions who best meet the minimum criteria for a role will go through to the next stage of the recruitment process.