Regulatory Risk and Compliance Specialist
Tide is a UK-founded fintech business financial platform providing banking and financial-management services to small businesses and sole traders.
About Tide
Tide Platform Limited operates Tide, offering business accounts, payments, accounting and tax tools, savings, payroll, and business finance. Tide is FCA-authorised for electronic-money and payment services and is not itself a bank; its business bank accounts are provided through partner banks including ClearBank.
Skills
Candidate Availability
Required and preferred rules are kept separate and reflect the wording in the original posting.
About the Role
Provide regulatory guidance on products and services, assess regulatory developments, advise stakeholders, execute compliance monitoring, support regulatory submissions and reporting, maintain policies, coordinate training, manage regulatory interactions, and remediate oversight and audit findings.
Requirements
- At least four years of experience in compliance, regulatory risk, or risk management within financial services.
- Experience interacting with regulators and supporting inspections, audits, and thematic reviews.
- Familiarity with regulatory submissions, licence applications, and reporting.
- Experience with oversight functions, key risk indicators, and compliance advisory.
- Background in banking, fintech, payments or e-money firms, or regulatory consultancy.
- Experience with FCA-regulated firms is preferred.
- Ability to interpret complex regulations, research requirements, and advise stakeholders.
- Strong organisational, drafting, analytical, and risk-assessment skills.
- Fluency in English.
Responsibilities
- Provide regulatory guidance on product and service development and conduct compliance assessments for new initiatives.
- Research UK regulatory developments, assess their impact, and advise on necessary actions.
- Execute the Compliance Monitoring Plan and address monitoring findings with stakeholders.
- Support regulatory submissions, licence applications, periodic reports, and responses to information requests.
- Ensure accurate and timely regulatory reporting and conduct oversight checks.
- Maintain and update compliance policies in line with UK and FCA regulations.
- Support regulatory engagements, strategic planning, and governance.
- Lead and participate in Regulatory Risk and Compliance working groups.
- Liaise with external partners and service providers on oversight requests and regulatory expectations.
- Coordinate and deliver compliance and risk-related training.
- Prepare management information for governance reporting and regulatory submissions.
- Track regulatory deadlines, maintain regulatory interaction logs, and prepare for inspections.
- Respond to compliance-related requests and regulatory inquiries with internal teams.
- Remediate regulatory oversight findings and enhance controls with the first line of defence.
- Identify, assess, monitor, and mitigate regulatory risks.
- Support audits and compliance reviews and oversee remediation of findings.
Benefits
- Generous annual leave in addition to bank holidays.
- Paid maternity, paternity, and adoption leave.
- Paid and unpaid sabbatical options after milestone years.
- Private health insurance with extra dental care.
- Access to therapy sessions, courses, meditations, and workshops.
- Paid volunteering and personal-growth days.
- Learning and development budget.
- Work from abroad for up to 90 days annually.
- Home office setup contribution.
- Laptop ownership upon replacement.
- Fully covered multi-sports card.
- Monthly food vouchers.
- Daily breakfast, coffee, tea, and juices.