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About the Role
As Head of Regulatory Compliance, you will report to the Compliance Director and lead a small team covering UK regulatory advice and compliance assurance. You will also help drive how the company adopts and governs AI, combining regulatory judgment, monitoring craft, and a pragmatic, risk-based approach.
Responsibilities
- Lead the UK regulatory advice function, giving timely, practical advice on FCA rules, Consumer Duty, financial promotions, safeguarding and e-money.
- Oversee regulatory horizon scanning and translate regulatory change into clear actions for the business.
- Lead the risk-based Risk and Compliance Monitoring Plan as a second-line function, including thematic reviews, control testing and action closure.
- Lead the use of AI within compliance, and provide second-line oversight of AI use across the business.
- Lead, coach and develop the team, and provide pragmatic, business-minded challenge that helps the first line improve controls.
Requirements
- Strong working knowledge of FCA SYSC, Consumer Duty and the EMR and PSR regimes, and experience of applying practically with commercial judgment and clear written output.
- Hands-on experience running a risk-based compliance monitoring or independent assurance programme in a UK FCA-regulated firm, with a second-line mindset and confidence challenging the business constructively.
- Experience working with AI tooling and deploying AI across Compliance and the wider organisation.
- Experience leading and developing a compliance team.
- Comfortable presenting to senior stakeholders, governance forums and partner banks, with clear, evidence-based reports.
- Experience in an FCA-regulated EMI, payments or banking firm, ideally with fraud, safeguarding or operational resilience exposure.
- Experience engaging directly with the FCA, or co-ordinating across jurisdictions (for example UK and US).
Skills
- Regulatory Advice
- FCA Rules
- Consumer Duty
- Financial Promotions
- Safeguarding
- E-money
- Horizon Scanning
- Regulatory Change Management
- Risk-Based Monitoring
- Compliance Assurance
- AI Governance
- Team Leadership
- Stakeholder Management
- Communication
- FinTech
- Payments
- Fraud
- Operational Resilience
- Regulatory Engagement
- Cross-Jurisdictional Coordination
Location
- Moorgate, London
Work Type
- 3-4 Days in Office
- Full-time
Experience Level
- Leadership
- Senior
Benefits
- Private Healthcare including dental and opticians services through Vitality
- Worldwide travel insurance through Vitality
- Anniversary Rewards (£250, £500, £750, 4-week fully paid sabbatical)
- Salary Sacrifice Pension Scheme up to 7% match
- Octopus EV Salary Sacrifice Scheme
- 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. Today, it's 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 and financial products.
- 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 profitable and growing.
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.