Regulatory Risk & Compliance Manager - UK

• Make sure Tide complies with the evolving regulatory requirements set by the FCA and other UK regulators. • Take particular ownership of Tide’s e-money and payments compliance. • Advise the business on what it can and cannot do under Tide’s e-money permission. • Identify, assess, and mitigate regulatory risk, and embed compliance frameworks across the business. • Sit alongside two other UK Compliance colleagues, reporting directly to the Global Director of Compliance. • Work closely with Product, Member Operations, Payments, Marketing, Legal, and Finance. • Act as the subject matter expert on e-money and payments regulation, steering decisions and shaping strategy. • Work remotely with cross-team exposure and the freedom to shape how Tide conducts its business.

• Bring around seven years of experience in Compliance, Regulatory Risk, or Risk Management within financial services. • Bring a strong technical grounding in the Electronic Money Regulations 2011 and Payment Services Regulations 2017, covering permitted activities, safeguarding, conduct requirements, and regulatory reporting. • Bring direct experience interacting with the FCA, including submissions, notifications, and responses to information requests. • Bring experience providing compliance support across other risk areas such as financial crime, operational, information security, and conduct. • Bring experience in oversight functions, monitoring key risk indicators, and advising on new initiatives, products, and services. • Bring a background in banking, fintech, payments or e-money firms, or regulatory consultancy. • Interpret complex regulations, research requirements, and advise internal stakeholders. • Solve problems proactively with a strong sense of ownership and accountability. • Manage multiple projects, deadlines, and regulatory engagements with exceptional organisation. • Bring meticulous attention to detail alongside strong drafting, analytical, and risk assessment skills. • Speak fluent English.

• Bring experience executing a Compliance Monitoring Plan end to end. • Bring experience preparing management information for governance reporting and regulatory submissions. • Bring experience delivering compliance and risk training across a business. • Bring experience preparing for FCA inspections and thematic reviews. • Bring experience providing second-line challenge to first-line control owners. • Bring an appetite to challenge the status quo and own key compliance initiatives.

• Advise on the scope of Tide’s e-money permission and lead compliance with the Electronic Money Regulations 2011 and Payment Services Regulations 2017, including regulatory submissions and notifications. • Lead engagement on FCA correspondence, submissions, inspections, and thematic reviews. • Own horizon scanning and regulatory mapping for UK payments developments, assessing impact and advising on action. • Execute the Compliance Monitoring Plan, owning monitoring activities and addressing findings. • Provide regulatory compliance support to other risk areas including financial crime, operational, information security, and conduct. • Maintain and update compliance policies in line with UK and FCA regulations, tracking refresh cycles. • Support the Global Director of Compliance on regulatory engagements, strategic planning, and governance. • Lead the Regulatory Risk & Compliance working group, making sure key issues are identified, addressed, and escalated. • Coordinate and deliver compliance and risk training across the business, particularly on payments and e-money obligations. • Prepare management information for internal governance reporting and external regulatory submissions. • Track regulatory deadlines, file submissions, and maintain a log of regulatory interactions. • Provide second-line oversight and challenge of first-line teams, and support internal and external audits through to remediation.

• Earn a competitive salary alongside share options. • Take generous annual leave on top of bank holidays. • Take paid maternity, paternity, and adoption leave. • Take extended unpaid and paid sabbatical options after milestone years with Tide. • Access salary sacrifice benefits including a nursery scheme that can save up to 47% on fees, plus Cycle to Work discounts. • Access comprehensive private family health insurance, life and accident cover, and a pension scheme. • Use therapy sessions, courses, meditations, and workshops for mental wellbeing. • Take paid volunteering and development days each year, with an annual learning budget for books, courses, and coaching. • Work from abroad for up to 90 days annually under the Work Outside the Office policy. • Claim a home office setup contribution and keep your old laptop when it is replaced.

Tide helps SMEs save time and money running their businesses, offering business accounts and banking services alongside connected administrative solutions from invoicing to accounting. It supports over 2 million members across the UK, India, Germany, and France, has raised over $300 million in funding, and employs more than 2,800 people globally, with Great Place to Work certification three years running. Its Compliance team supports Tide’s growth while holding to high standards of regulatory compliance and risk management, working on complex, high-impact projects with strong cross-collaboration inside and outside the team.