Head of Regulatory Compliance

Overview

In this Head of Regulatory Compliance role, you lead the UK regulatory advice and second-line assurance functions within Capital on Tap, guiding FCA rules, Consumer Duty, and e-money governance. You will shape how the business interprets and applies regulatory changes, including AI governance, to support safe, scalable growth. You’ll lead a small team, partner with the Compliance Director, and influence senior stakeholders and partner banks. This is a chance to drive risk-based compliance and innovative governance in a fast-growing fintech with a strong customer focus.

Pay / Benefits

• Private Healthcare including dental and opticians
• Worldwide travel insurance
• Anniversary Rewards and sabbatical
• Salary sacrifice pension scheme
• Cycle to Work Scheme
• Therapy sessions and dog-friendly offices

Responsibilities

• Regulatory advice leadership on FCA rules, Consumer Duty, financial promotions, safeguarding and e-money
• Oversee horizon scanning and translate regulatory changes into actionable business steps
• Lead the risk-based monitoring plan, conduct thematic reviews, control testing and issue closure
• Manage AI integration and governance with second-line oversight of AI usage
• Lead, coach and develop the compliance team to strengthen controls across the first line

Key requirements

• Strong working knowledge of FCA SYSC, Consumer Duty, EMR and PSR regimes
• Hands-on experience with risk-based compliance monitoring or independent assurance in a UK FCA-regulated firm
• Experience deploying AI tooling across Compliance and wider organisation
• Leadership experience in developing a compliance team
• Comfort presenting to senior stakeholders and governance forums with evidence-based reporting
• Desirable: FCA-regulated EMI/payments/banking experience with fraud, safeguarding or operational resilience
• Desirable: cross-jurisdiction engagement with FCA or UK/US coordination

• Stakeholder influence and communication
• Leadership and people development
• Pragmatic, problem-solving mindset
• FCA SYSC
• Consumer Duty
• EMR

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