
Tandem Bank · Blackpool
Job Title: Head of Regulatory Reporting Working Pattern: Monday to Friday, 09.00 - 17.00 36.25 hours per week Salary: £dependent on experience and up to 30%...
Job Title: Head of Regulatory Reporting
Working Pattern: Monday to Friday, 09.00 - 17.00 36.25 hours per week
Salary: £dependent on experience and up to 30% bonus and benefits
Location: Hybrid work from either our London or Blackpool offices
💚 Shaping the future of sustainable digital banking 💚
Launched in 2014 as one of the UK’s original challenger banks, Tandem is proudly headquartered in the Northwest, with over 500
people working across the UK.
People join Tandem because they want to shape something meaningful. Here, you’ll use your skills to create products that empower
people to make better financial choices and lower their environmental impact. We’re big enough to drive real change, small enough
for every voice to be heard, and united by a shared purpose that inspires us to move forward - together.
Recognised in The Sunday Times Best Places to Work for 2024 and 2025, Tandem has also been named in The Sunday Times 100 Tech list
for two consecutive years in 2025 and 2026 – a list of the fastest growing tech companies in Britain, reflective of our growing
industry presence. Tandem was also awarded Investor in Customers’ Gold Standard based on customer and employee feedback and is
a Certified™ Great Place to Work®.
Tandem is growing fast and helping to shape the future of sustainable banking.
Your team: Collaborators in change
Tandem is proud to offer a workplace with diverse experiences, perspectives, and backgrounds which leads to a unique company
culture for our people and a better experience for our customers.
The role will focus on leading the delivery of Regulatory Reporting for the Bank (including Capital and Liquidity) with a focus on
keeping pace with the continuing change of the regulatory reporting environment and developing further efficient, effective
reporting.
Your Impact: Building a sustainable tomorrow
As a Head of Regulatory Reporting at Tandem your focus will be on:
Leadership
regulatory metrics.
adequate sponsorship across the business.
business is understood
3LoD model.
are maintained and validated throughout
tape builds, and quality assurance
forums and updates to enable the Regulatory Finance function to remain abreast of Group policies and interpretations of
regulatory reporting developments as and when they occur.
Technical
regulatory matters and the necessary interpretation of regulatory policies.
ensuring that the Bank has an agreed position on future material regulatory changes.
revised risk-weighting methodology, and associated interpretation positions
process integration and regulatory implications
regulators
Rewards that reflect your value, what’s in it for you?
At Tandem, your hard work is rewarded in many ways, and we have an enhanced employee benefits package on offer:
graduations etc
eligibility)
Please note, some benefits are subject to eligibility criteria, such as passing your probation.
Our Green Deal: Your Impact Amplified
A little welcome gift from us to you, we’ll plant a tree in the Tandem Grove and you can enter into our “Green Deal” below:
Ready to make your mark?
Apply now and let's pave the way to a more sustainable world, together. Our approach to DE&I is reflected in our hiring process so
please let us know if you require any reasonable adjustments. We will close adverts once we have received enough applications so
please apply asap if you’re interested in the role.
Sourcing Model
Recruitment at Tandem works primarily on a direct sourcing model and does not accept resumes from recruitment agencies which are
not on the preferred supplier list. We are not responsible for any related fees for resumes submitted to job postings, our
employees, or any other part of our company. You can find our Applicant Privacy Policy on our Careers page.
Tandem is an equal opportunity employer and are committed to meeting our responsibilities under the Equality Act (2010). We
respect the diverse experience and talents that every individual brings to our Company, and we are determined to ensure that no
applicant or employee receives less favourable treatment on the grounds of gender, age, disability, religion, belief, sexual
orientation, marital status, or race, or is disadvantaged by conditions or requirements which cannot be shown to be justifiable.
Please be aware that background checking (including credit, criminal records and CIFAS Internal Fraud Database Checks) form part
of our recruitment process. We will adhere to our duties under the Rehabilitation of Offenders Act 1974.
Job Title: Head of Regulatory Reporting Working Pattern: Monday to Friday, 09.00 - 17.00 36.25 hours per week Salary: £dependent on experience and up to 30% bonus and benefits Location: Hybrid work from either our London or Blackpool offices 💚 Shaping the future of sustainable digital banking 💚 Launched in 2014 as one of the UK’s original challenger banks, Tandem is proudly headquartered in the Northwest, with over 500 people working across the UK. People join Tandem because they want to shape something meaningful. Here, you’ll use your skills to create products that empower people to make better financial choices and lower their environmental impact. We’re big enough to drive real change, small enough for every voice to be heard, and united by a shared purpose that inspires us to move forward - together. Recognised in The Sunday Times Best Places to Work for 2024 and 2025, Tandem has also been named in The Sunday Times 100 Tech list for two consecutive years in 2025 and 2026 – a list of the fastest growing tech companies in Britain, reflective of our growing industry presence. Tandem was also awarded Investor in Customers’ Gold Standard based on customer and employee feedback and is a Certified™ Great Place to Work®. Tandem is growing fast and helping to shape the future of sustainable banking. Your team: Collaborators in change Tandem is proud to offer a workplace with diverse experiences, perspectives, and backgrounds which leads to a unique company culture for our people and a better experience for our customers. The role will focus on leading the delivery of Regulatory Reporting for the Bank (including Capital and Liquidity) with a focus on keeping pace with the continuing change of the regulatory reporting environment and developing further efficient, effective reporting. Your Impact: Building a sustainable tomorrow As a Head of Regulatory Reporting at Tandem your focus will be on: Leadership * Lead and inspire the regulatory reporting team, responsible for production of full suite of regulatory reports and reporting of regulatory metrics. * Develop metrics to manage the success and improvements of the regulatory reporting team. * Lead initiatives to improve processes, controls and documentation in all areas impacting regulatory reporting, ensuring adequate sponsorship across the business. * Lead the delivery of the automation and continued transformation of the Group’s regulatory reporting function * Lead the delivery of business insight and education so that the regulatory impact of new opportunities or growth of existing business is understood * Feed into commercial business plans * Maintain the suite of policy and governance documentation regarding the effective governance of regulatory reporting * Build relationships with second line risk and third line internal audit teams to foster highly effective relationships and 3LoD model. * Provide regulatory input into system change and migration programmes, ensuring data flows into regulatory returns are maintained and validated throughout * Author and maintain formal regulatory interpretation papers for PRA, Board, and ALCo consideration * Manage the team's relationship with the data and technology teams, providing clear requirements for regulatory data sourcing, tape builds, and quality assurance * Liaise with and cultivate strong working relationships with Finance senior management, ensuring inclusion in all necessary forums and updates to enable the Regulatory Finance function to remain abreast of Group policies and interpretations of regulatory reporting developments as and when they occur. Technical * Keep up to date with all new changes to the UK regulatory environment, including the responsibility for horizon scanning of regulatory matters and the necessary interpretation of regulatory policies. * Attend the Prudential Risk Working Group which is the key committee for review and approval of regulatory interpretations, ensuring that the Bank has an agreed position on future material regulatory changes. * Principal user of the Bank’s online submission systems RegData and BEEDS * Provide analysis and commentary on significant items within the returns * Sign off on the sole and consolidated regulatory returns and deal with any external queries. * Co-ordinate completion, review and submission of the returns to the regulator. * Own the bank's Basel 3.1/ SDDT implementation from a regulatory reporting perspective, including COREP template updates, revised risk-weighting methodology, and associated interpretation positions * Provide regulatory input into key transactions relevant to the Bank, including return mapping across entities, process integration and regulatory implications We’d love to hear from you if you have: * Significant experience of working in a regulated Financial Services environment within UK PRA, FCA and BoE reporting * Qualified ACA or equivalent * Understanding of retail banking products * Be able to represent the Bank to senior management as well as internal and external stakeholders * Have excellent people management skills/experience. * Conceptual/ big picture thinking with prior of experience of leading transformation and ongoing improvements * Demonstrable experience of leading a regulatory reporting team through a material regulatory change programme * Experience of FCA consumer credit reporting, including PSD008/009, MLAR, or equivalent * Experience of writing regulatory interpretation papers and presenting technically credible positions to boards, ALCo, and regulators * Experience of contributing to system change projects from a regulatory reporting perspective * Experience of leading Recovery Plan or Solvent Exit Analysis work Rewards that reflect your value, what’s in it for you? At Tandem, your hard work is rewarded in many ways, and we have an enhanced employee benefits package on offer: * 25 days annual leave plus 8 days Bank Holiday * An additional day off for a ‘celebration day’ including, but not limited to, birthdays, weddings, religious holidays, graduations etc * Buy or sell up to 5 days holiday a year * Healthcare cash plan through Westfield Health * Life Assurance at 3 x salary * Electric Vehicle salary sacrifice scheme * Cycle to Work salary sacrifice scheme and a free helmet * Salary sacrifice Pension contribution*, 4% employee contributions matched with 4% Tandem contribution (*Subject to salary eligibility) * Smart Tech scheme (buy goods with 0% interest) * 10% discount on solar panels * Tandem Hub for treats, cash back and discounts on UK retailers * 2 days per year paid volunteering * Free cereal, snacks and drinks in all offices * Quarterly team social budgets Please note, some benefits are subject to eligibility criteria, such as passing your probation. Our Green Deal: Your Impact Amplified A little welcome gift from us to you, we’ll plant a tree in the Tandem Grove and you can enter into our “Green Deal” below: * Volunteer 14.25 hours a year for charity > receive a half day on a Friday * Take part in a fundraising event > Tandem will match up to £200 a year * Have renewable energy at home > receive an additional 1-day annual leave * Drive an electric car > receive £500 towards a home charger * Use public transport or have a low emissions/hybrid car > entry into a £200 prize draw * Sign up to cycle to work scheme > receive £30 voucher for a cycling helmet Ready to make your mark? Apply now and let's pave the way to a more sustainable world, together. Our approach to DE&I is reflected in our hiring process so please let us know if you require any reasonable adjustments. We will close adverts once we have received enough applications so please apply asap if you’re interested in the role. Sourcing Model Recruitment at Tandem works primarily on a direct sourcing model and does not accept resumes from recruitment agencies which are not on the preferred supplier list. We are not responsible for any related fees for resumes submitted to job postings, our employees, or any other part of our company. You can find our Applicant Privacy Policy on our Careers page. Tandem is an equal opportunity employer and are committed to meeting our responsibilities under the Equality Act (2010). We respect the diverse experience and talents that every individual brings to our Company, and we are determined to ensure that no applicant or employee receives less favourable treatment on the grounds of gender, age, disability, religion, belief, sexual orientation, marital status, or race, or is disadvantaged by conditions or requirements which cannot be shown to be justifiable. Please be aware that background checking (including credit, criminal records and CIFAS Internal Fraud Database Checks) form part of our recruitment process. We will adhere to our duties under the Rehabilitation of Offenders Act 1974.
WE ARE LOOKING FOR A HEAD OF LEGAL, REGULATORY & COMPLIANCE – FINANCIAL SERVICES, WEST AFRICA, TO JOIN OUR LEGAL GROUP, AS WE SCALE UP AND DRIVE DIGITAL AND FINANCIAL INCLUSION ACROSS OUR MARKETS. JOB PURPOSE To provide group-wide leadership on financial services regulatory strategy and external affairs in West Africa, ensuring M-KOPA obtains and maintains required licences and meets supervisory expectations, while overseeing West Africa regulatory engagement and compliance execution. KEY JOB FUNCTIONS * Own and drive M-KOPA’s group-wide financial services regulatory strategy, providing senior leadership on regulatory risk, supervisory expectations, regulatory engagement, and governance requirements across all markets. * Lead regulatory approvals and ongoing supervisory engagement for key licences and regulated activities, including the Digital Credit Service Provider (DCSP) licence in Ghana, financial services licenses in Nigeria, and other relevant licensing/authorisation processes (e.g., MFI licensing, payments, lending, consumer finance). * Monitor changes in financial services regulation and supervisory priorities, assess impact on M-KOPA’s business model, and translate requirements into actionable guidance, controls, and governance enhancements to manage enforcement and conduct risk. * Partner with Product, Credit, Operations, Risk, and Legal to embed “regulatory-by-design” into new product development and market expansion, including advising on licensing scope, disclosures, customer outcomes, and regulator expectations. * Set the regulatory compliance tone for financial services, driving training and awareness programmes and strengthening first-line ownership of regulatory obligations across markets. * Provide senior support on regulatory reporting, assurance, and due diligence requirements, including engagement with investors, auditors, and development finance partners on financial services regulatory matters. * Lead external affairs for financial services regulation, representing M-KOPA in industry bodies, regulatory consultations, and policy discussions; and drive senior-level regulatory engagement strategy for West Africa (Nigeria and Ghana). * Develop, maintain, and oversee the implementation of financial services compliance policies, procedures, and regulatory playbooks, including an appropriate review cycle aligned to supervisory frameworks. * Partner with Risk, Internal Audit, Legal, Data Protection, and Operations to design and test regulatory controls, track remediation, and provide confidence in the effectiveness of the compliance framework for regulated activities. * Oversee responses to regulatory inquiries, examinations, and information requests; ensure timely, accurate high-stakes submissions and position papers; and provide escalation and direction to in-country compliance leads on regulatory filings and inspections. * Build and maintain strong relationships with regulators and key external stakeholders, ensuring appropriate regulator accessibility, effective communication, and proactive management of supervisory expectations. * Work flexibly and collaboratively across all teams in the organisation to ensure the greatest impact and effectiveness of the Compliance Team’s day-to-day work * Undertake all other reasonable and related tasks associated with this role. REPORTING STRUCTURE This role reports to the Director of Compliance EXPERIENCE/ SKILLS & COMPETENCIES/ LICENCES & CERTIFICATIONS/ EDUCATION REQUIRED * 8+ years’ experience in financial services compliance, regulatory affairs, or in-house legal/regulatory roles within a regulated environment (digital credit, lending, payments, consumer finance, fintech, or banking). * Demonstrated experience leading licensing/authorisation processes and managing ongoing supervisory engagement, examinations, and regulatory reporting. * Strong knowledge of financial services regulatory frameworks and conduct risk, including consumer protection, AML/CFT, and (where applicable) data protection. * Proven ability to engage credibly with regulators, investors, auditors, and senior internal stakeholders, translating requirements into pragmatic, implementable controls. * Excellent analytical and problem-solving skills; strong policy drafting, regulatory writing, and attention to detail. * Bachelor’s degree in Law, Compliance, Finance, Business, or a related field; a relevant professional qualification (e.g., bar admission, CAMS/ICA, or similar) is an advantage. * Strong planning and execution skills, with the ability to operate strategically while driving delivery through country teams. WHY M-KOPA? At M-KOPA, we empower our people to own their careers through diverse development programs, coaching partnerships, and on-the-job training. We support individual journeys with family-friendly policies, prioritize well-being, and embrace flexibility. Join us in shaping the future of M-KOPA as we grow together. Explore more at m-kopa.com. Recognized four times by the Financial Times as one Africa's fastest growing companies (2022, 2023, 2024, 2025 and 2026) and by TIME100 Most influential companies in the world 2023 and 2024 , we've served over 7 million customers, unlocking $1.5 billion in cumulative credit for the unbanked across Africa. Important Notice M-KOPA is an equal opportunity and affirmative action employer committed to assembling a diverse, broadly trained staff. Women, minorities, and people with disabilities are strongly encouraged to apply. M-KOPA explicitly prohibits the use of Forced or Child Labour and respects the rights of its employees to agree to terms and conditions of employment voluntarily, without coercion, and freely terminate their employment on appropriate notice. M-KOPA shall ensure that its Employees are of legal working age and shall comply with local laws for youth employment or student work, such as internships or apprenticeships. M-KOPA does not collect/charge any money as a pre-employment or post-employment requirement. This means that we never ask for ‘recruitment fees’, ‘processing fees’, ‘interview fees’, or any other kind of money in exchange for offer letters or interviews at any time during the hiring process. Applications for this position will be reviewed on a rolling basis. Shortlisting and interviews will take place at any stage during the recruitment process. We reserve the right to close the vacancy early if a suitable candidate is selected before the advertised closing date. If your application is successful M-KOPA undertakes pre-employment background checks as part of its recruitment process, these include; criminal records, identification verification, academic qualifications, employment dates and employer references.
Job Title: Regulatory Reporting Analyst Working Pattern: Monday to Friday, 09.00 - 17.00 36.25 hours per week Salary: £30,000 - £45,000 and up to 20% bonus and benefits Location: Flexible – hybrid work from either our London or Blackpool office 💚 Shaping the future of sustainable digital banking 💚 Launched in 2014 as one of the UK’s original challenger banks, Tandem is proudly headquartered in the Northwest, with over 500 people working across the UK. People join Tandem because they want to shape something meaningful. Here, you’ll use your skills to create products that empower people to make better financial choices and lower their environmental impact. We’re big enough to drive real change, small enough for every voice to be heard, and united by a shared purpose that inspires us to move forward - together. Recognised in The Sunday Times Best Places to Work for 2024 and 2025, Tandem has also been named in The Sunday Times 100 Tech list for two consecutive years in 2025 and 2026 – a list of the fastest growing tech companies in Britain, reflective of our growing industry presence. Tandem was also awarded Investor in Customers’ Gold Standard based on customer and employee feedback and is a Certified™ Great Place to Work®. Tandem is growing fast and helping to shape the future of sustainable banking. Your team: Collaborators in change Tandem is proud to offer a workplace with diverse experiences, perspectives, and backgrounds which leads to a unique company culture for our people and a better experience for our customers. The Regulatory Reporting Analyst will play a crucial role in supporting the production and delivery of regulatory returns while ensuring compliance with regulatory requirements and internal controls. This position reports to the Regulatory Reporting Manager and works closely with the Head of Regulatory Reporting. Your Impact: Building a sustainable tomorrow Core Regulatory Reporting * Assist in the production of the full suite of regulatory reports (COREP, FINREP, PRA, BoE) and internal reporting of regulatory metrics * Support the monthly preparation of other returns to the FCA * Assist in the preparation of Bank of England Statistical Returns (BT, ELS, AD, AL, BE) * Maintain and update the horizon scanning tracker Data Quality & Controls * Review and challenge data inputs and outputs, ensuring regulatory information is prepared and disclosed consistently * Operate daily regulatory reporting procedures and contribute towards process automation * Support the maintenance of Operating Model documentation, processes, and procedures * Assist in testing data extraction and quality of regulatory reporting Documentation & Support * Support documentation updates for Standard Operating Procedures (SOPs) and Assumption and Interpretation Manuals * Provide ad-hoc support for ICAAP, ILAAP, Recovery Plan, and Solvent Exit Analysis drafting * Assist in Basel 3.1 implementation activities * Support various regulatory surveys and ad-hoc requests Business Analysis & Development * Help identify potential capital savings and liquidity generation opportunities when preparing regulatory returns * Assist in reviewing business growth developments and assess their regulatory reporting impact * Support training initiatives for business stakeholders on capital impacts of business decisions * Contribute to regulatory reporting projects that feed into commercial business plans We’d love to hear from you if you have: Essential: * Previous experience in regulatory reporting or financial services industry essential * Part-qualified or recently qualified accountant (ACCA/ACA/CIMA) * Strong analytical and problem-solving skills * Excellent attention to detail and accuracy * Proficient in MS Excel and data analysis tools * Strong written and verbal communication skills * Ability to work effectively both independently and as part of a team * Knowledge of UK regulatory framework and reporting requirements * Understanding of regulatory concepts and reporting requirements * Knowledge of capital and liquidity calculations, ratios, and related workings * Familiarity with regulatory reporting systems and tools * Understanding of data quality and control principles It would be great, but not essential if you have: * Bachelor's degree in Accounting, Finance, or related field Rewards that reflect your value, what’s in it for you? At Tandem, your hard work is rewarded in many ways, and we have an enhanced employee benefits package on offer: * 25 days annual leave plus 8 days Bank Holiday * An additional day off for a ‘celebration day’ including, but not limited to, birthdays, weddings, religious holidays, graduations etc * Buy or sell up to 5 days holiday a year * Healthcare cash plan through Westfield Health * Life Assurance at 3 x salary * Electric Vehicle salary sacrifice scheme * Cycle to Work salary sacrifice scheme and a free helmet * Salary sacrifice Pension contribution*, 4% employee contributions matched with 4% Tandem contribution (*Subject to salary eligibility) * Smart Tech scheme (buy goods with 0% interest) * 10% discount on solar panels * Tandem Hub for treats, cash back and discounts on UK retailers * 2 days per year paid volunteering * Free cereal, snacks and drinks in all offices * Quarterly team social budgets Please note, some benefits are subject to eligibility criteria, such as passing your probation. Our Green Deal: Your Impact Amplified A little welcome gift from us to you, we’ll plant a tree in the Tandem Grove and you can enter into our “Green Deal” below: * Volunteer 14.25 hours a year for charity > receive a half day on a Friday * Take part in a fundraising event > Tandem will match up to £200 a year * Have renewable energy at home > receive an additional 1-day annual leave * Drive an electric car > receive £500 towards a home charger * Use public transport or have a low emissions/hybrid car > entry into a £200 prize draw * Sign up to cycle to work scheme > receive £30 voucher for a cycling helmet Ready to make your mark? Apply now and let's pave the way to a more sustainable world, together. Our approach to DE&I is reflected in our hiring process so please let us know if you require any reasonable adjustments. We will close adverts once we have received enough applications so please apply asap if you’re interested in the role. Sourcing Model Recruitment at Tandem works primarily on a direct sourcing model and does not accept resumes from recruitment agencies which are not on the preferred supplier list. We are not responsible for any related fees for resumes submitted to job postings, our employees, or any other part of our company. You can find our Applicant Privacy Policy on our Careers page. Tandem is an equal opportunity employer and are committed to meeting our responsibilities under the Equality Act (2010). We respect the diverse experience and talents that every individual brings to our Company, and we are determined to ensure that no applicant or employee receives less favourable treatment on the grounds of gender, age, disability, religion, belief, sexual orientation, marital status, or race, or is disadvantaged by conditions or requirements which cannot be shown to be justifiable. Please be aware that background checking (including credit, criminal records and CIFAS Internal Fraud Database Checks) form part of our recruitment process. We will adhere to our duties under the Rehabilitation of Offenders Act 1974.