Regulatory Risk & Compliance Specialist - UK at Tide

ABOUT TIDE At Tide we help SMEs save time (and money) in the running of their businesses by not only offering business accounts and related banking services, but also a comprehensive set of highly usable and connected administrative solutions from invoicing to accounting. Tide is transforming the small business banking market with over 1.8 million members globally across the UK, India, Germany and France. Using advanced technology, all solutions are designed with SMEs in mind. With quick onboarding, low fees and innovative features, we thrive on making data-driven decisions to serve our mission: to help SMEs save both time (and money) so they can get back to doing what they love. Tide facts: • Tide is available for UK, Indian, German and French SMEs • Over 1.8 million members: 800,000 UK and 1,000,000 in India and growing rapidly • Over $300 million raised in funding • Over 2,500 Tideans globally - we’re diversity champions! • We have offices in Central London, with a member support and technology centre in Sofia, Bulgaria, technology centres in Serbia, Romania, Lithuania and Hyderabad and offices in Gurugram and New Delhi, and in Berlin, Paris and Luxembourg. ABOUT THE TEAM: As a Regulatory Risk & Compliance Specialist - UK, you will play a vital role in ensuring Tide complies with the evolving regulatory requirements set by the FCA and other UK regulators. You will be responsible for identifying, assessing, and mitigating regulatory risks, while ensuring that Tide’s compliance frameworks are embedded across the business. Working closely with teams across the organisation, including Product, Member Operations, Payments, Marketing, Legal and Finance, you will provide expert advice on regulatory developments, lead compliance initiatives, and integrate regulatory requirements into our day-to-day operations. As the subject matter expert on particular regulations, you’ll help to steer decisions, impact strategies and support the rest of the team and business. At Tide, you’ll be able to work in a fast-paced environment, with cross-team exposure, inquisitive freedom and the ability to impact how Tide conducts its business. ABOUT THE ROLE: • Provide regulatory guidance on product and service development, conducting compliance assessments for new initiatives • Research regulatory developments in the UK, assess their impact, and advise on necessary actions • Execute the Compliance Monitoring Plan, taking ownership of monitoring activities, addressing findings, and engaging stakeholders as needed • Support regulatory submissions, including licence applications, periodic reports, and responses to regulatory information requests • Ensure accurate and timely regulatory reporting by working closely with business areas and conducting oversight checks where required • Maintain and update compliance policies in line with UK and FCA regulations, tracking required refresh cycles • Support the Regional Director of Risk & Compliance and the Global Director of Compliance in regulatory engagements, strategic planning, and governance • Lead and actively participate in the Regulatory Risk & Compliance working groups, ensuring key issues are identified, addressed, and escalated • Act as a liaison for external partners and service providers on oversight requests and regulatory expectations • Coordinate and deliver compliance and risk-related training across the business • Collect and prepare MI for internal governance reporting and external regulatory submissions • Track regulatory deadlines, file submissions, maintain a log of regulatory interactions, and prepare for meetings and inspections with the FCA and other authorities • Engage with internal teams to respond to compliance-related requests and regulatory inquiries, ensuring cross-functional alignment • Work closely with the 1LOD to remediate regulatory oversight findings and enhance controls • Identify, assess, and monitor regulatory risks, ensuring appropriate mitigation measures are in place • Support internal and external audits, participate in compliance reviews, and oversee effective remediation of findings WHAT WE ARE LOOKING FOR: • At least four years of experience in Compliance, Regulatory Risk, or Risk Management at a mid level within Financial Services • Direct experience interacting with regulators, handling responses, managing notifications, and supporting regulatory inspections, audits, and thematic reviews • Familiarity with regulatory submissions, licence applications, and reporting • Experience in oversight functions, monitoring key risk indicators (KRIs), and providing Compliance Advisory on new initiatives, products, and services. • Background in Banking, FinTech, Payments/E-Money firms, or Regulatory Consultancy. • Ideally you'll have experience working with firms under the FCA regulations. • Ability to interpret complex regulations, research requirements, and advise internal stakeholders on compliance matters. • Proactive problem solver with a strong sense of ownership and accountability in resolving compliance challenges. • Exceptional organisational skills, managing multiple projects, deadlines, and regulatory engagements effectively. • Meticulous attention to detail, with strong drafting, analytical, and risk assessment skills. • Fluency in English (mandatory) WHAT YOU’LL GET IN RETURN: Our location-specific employee benefits are designed to cater to the unique needs of Tideans: • 25 days holiday • Enhanced family-friendly leave • Sabbatical Leave • Additional health & dental insurance • Mental wellbeing • L&D/ Volunteering leave • Learning & Development Budget Amount differs by level & team • Work Outside the Office • WFH Setup allowance • Laptop incentive scheme • Fully covered Multisports card • Food vouchers (120 BGN) • Snacks, light food, drinks in the office TIDEAN WAYS OF WORKING At Tide, we champion a flexible workplace model that supports both in-person and remote work to cater to the specific needs of our different teams. While remote work is supported, we believe in the power of face-to-face interactions to foster team spirit and collaboration. Our offices are designed as hubs for innovation and team-building, where we encourage regular in-person gatherings to foster a strong sense of community. For this role you'll ideally be able to work from our Sofia office once a week. TIDE IS A PLACE FOR EVERYONE At Tide, we believe that we can only succeed if we let our differences enrich our culture. Our Tideans come from a variety of backgrounds and experience levels. We consider everyone irrespective of their ethnicity, religion, sexual orientation, gender identity, family or parental status, national origin, veteran, neurodiversity or differently-abled status. We celebrate diversity in our workforce as a cornerstone of our success. Our commitment to a broad spectrum of ideas and backgrounds is what enables us to build products that resonate with our members’ diverse needs and lives. We are One Team and foster a transparent and inclusive environment, where everyone’s voice is heard. At Tide, we thrive on diversity, embracing various backgrounds and experiences. We welcome all individuals regardless of ethnicity, religion, sexual orientation, gender identity, or disability. Our inclusive culture is key to our success, helping us build products that meet our members' diverse needs. We are One Team, committed to transparency and ensuring everyone’s voice is heard. Disclaimer It has come to our attention that individuals or agencies are falsely claiming to represent Tide and are reaching out to candidates regarding job opportunities. Please be aware that: • Tide does not charge any fees at any stage of the recruitment process. • All official Tide job opportunities are listed exclusively on our Careers Page and applications should be submitted through this channel. • Communication from Tide will only come from an official @tide.co email address. • Tide does not work with agencies or recruiters without prior formal engagement, and we do not authorize third parties to make job offers on our behalf. If you are contacted by anyone misrepresenting Tide or requesting payment, please treat it as fraudulent and report it to us immediately at [Upgrade to PRO to see contact] Your safety and trust are important to us, and we are committed to ensuring a fair and transparent recruitment process. Tide leverages AI to enhance our hiring experience. You can read more about how we use AI in our recruitment process in our AI Policy. 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