Regulatory Risk & Compliance Specialist - UK

Regulatory Risk & Compliance Lead (Fixed-Term Contract)

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 and now supports over 2 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 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 2 million members: 900,000 UK and 1,100,000 in India and growing rapidly * Over $300 million raised in funding * Over 2,800 Tideans globally * Recognised with Great Place to Work certification three years in a row, and among India’s Top 50 Best Workplaces in Banking, Financial Services, and Insurance in 2026 * 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, New Delhi, Berlin, Paris and Luxembourg ABOUT THE TEAM: We are pleased to have a dynamic, forward-thinking group of professionals, deeply committed to supporting Tide in its growth while maintaining the highest standards of regulatory compliance and risk management. We have great cross-collaboration both within and outside the team and we pride ourselves on our team culture, ways of working and the support we provide to each other and to the business. If joining the Compliance Team, you will be part of a supportive and knowledgeable group, with opportunities to work on complex, high-impact projects that contribute directly to Tide’s success and growth. You’ll be encouraged to bring new ideas, challenge the status quo, and take ownership of key compliance initiatives. ABOUT THE ROLE:  Note: this is a fixed-term contract position with an initial expected duration of 12-18 months.   As the Regulatory Risk and Compliance Lead GL/EU, your core purpose is to lead the design, implementation and oversight of the global regulatory risk framework, support international expansion, and ensure consistent application of regulatory standards across all jurisdictions. You will be responsible for identifying, assessing, and mitigating regulatory risks, while ensuring that Tide’s compliance frameworks are embedded across the business. This role focuses on global strategy, standard-setting, and oversight, occasionally supporting regional compliance roles that handle local regulator engagement and local BAU activities. 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. As Regulatory Risk & Compliance Lead GL/EU you will: * Lead the compliance analysis and develop recommendations for international expansion, including market prioritisation, licence strategy and regulatory feasibility. * Design proposed regulatory operating models for new markets, including governance, initial control sets, monitoring approach and MI. * Coordinate the compliance workstream for market entry, including engagement with external counsel and local advisors. * Deliver expansion projects from initial scoping through launch and structured handover into BAU ownership. * Provide the final compliance opinion and recommendation on expansion options for decision by senior leadership. * Lead the design and ongoing evolution of global minimum standards for regulatory risk management. * Develop and maintain global compliance methodologies, policies, procedures, control taxonomy and monitoring approach, aligned to agreed risk appetite. * Translate regulatory requirements into scalable, repeatable global processes. * Design global governance structures, escalation routes and MI definitions to ensure consistency and comparability across regions. * Operate and maintain the global compliance monitoring plan, including thematic reviews and cross-market analysis. * Review and challenge BAU MI to identify trends, emerging regulatory risks and control weaknesses. * Ensure issues, deviations and weaknesses are appropriately escalated through governance to the Global Director of Compliance and CRO where required. * Provide senior regulatory advice and support on complex or sensitive matters. * Support regional compliance teams where capability or capacity gaps exist, including taking temporary end-to-end ownership of defined activities when required and at an exemption basis, in particular the EU Compliance function. WHAT WE ARE LOOKING FOR: * At least 8 years of experience in Compliance, Regulatory Risk, or Risk Management at a senior level within financial services. * Strong expertise in EU financial regulations, such as PSD2/3, GDPR, DORA, EBA Guidelines and related frameworks. * Proven track record in designing global regulatory standards, policies, governance, controls, monitoring methodologies, and MI. * Direct experience leading compliance-driven international expansion, including licence strategy, regulatory mapping, operating model design and rollout * Proven track record in regulatory submissions, licence applications, and reporting, ensuring compliance with Luxembourg and EU requirements. * Direct experience interacting with regulators, handling responses, managing notifications, and supporting regulatory inspections, audits, and thematic reviews. * 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. * 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 is mandatory and other European languages are a strong plus.   WHAT YOU’LL GET IN RETURN:  Our location-specific employee benefits are designed to cater to the unique needs of Tideans:  * Salary €41200-€51500 * Time Off – Generous annual leave on top of bank holidays. * Parental Leave – Paid maternity, paternity, and adoption leave to support your family journey. * Sabbatical – Extended unpaid and paid leave options after completing milestone years with Tide. * Health Insurance – Private health insurance with Bulgaria Zdrave, including extra dental care. * Mental Wellbeing – Access to therapy sessions, courses, meditations, and workshops. * Volunteering & Development Days – Paid days annually for volunteering or personal growth. * Learning & Development – Annual budget for books, courses, coaching, and more. * WOO (Work Outside the Office) – Work from abroad for up to 90 days annually. * Home Office Setup – Contribution towards setting up your home office * Laptop Ownership – Keep your old laptop and get a new one when it’s time for a replacement. * Fully Covered Multi Sports Card – Granting access to hundreds of gyms and pools across Bulgaria * Monthly Food Vouchers -– Monthly food vouchers to enjoy your favorite meals with Edenred + * Snacks & Meals – Daily breakfast spread with all-day coffee, tea, and juices   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. 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 talent@tide.co 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. Your personal data will be processed by Tide for recruitment purposes and in accordance with Tide's Recruitment Privacy Notice.

Treasury Operations Manager

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 and now supports over 2 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 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 2 million members: 900,000 UK and 1,100,000 in India and growing rapidly * Over $300 million raised in funding * Over 2,800 Tideans globally * Recognised with Great Place to Work certification three years in a row, and among India’s Top 50 Best Workplaces in Banking, Financial Services, and Insurance in 2026 * 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, New Delhi, Berlin, Paris and Luxembourg ABOUT THE TEAM:  The Treasury team acts as 1st LoD and is at the forefront of driving financial excellence and supporting strategic growth. The Treasury team mission is to optimise the company's financial resources and investment, manage financial risks, ensure robust liquidity and effective cash management and comprehensive treasury operations. Moreover the team collaborates closely with the product and business team to align financial strategies with business objectives. By contributing to impactful financial decisions, the Treasury team aims to enable sustainable success and growth. ABOUT THE ROLE:  As a Treasury Operations Manager, you will play a crucial role in the team to maintain our financial health, ensure efficient treasury operations, and drive our growth. As the first hire in our Bulgaria Treasury Operations team, you will play a pivotal role in our EU expansion. Your responsibilities will include: * Cash & Liquidity  management: * Manage and monitor wholesale credit limits to ensure adequate liquidity for operations minimising counterparty risk. * Carry out short term cash flow forecasting and actuals variance analysis across Group accounts  * Collaborate with counterparts on implementation of a Treasury Management System including documenting requirements, design and testing * Evaluate capital requirements, manage FX and optimize returns for short term investments. * Managing relationships with partner banks: * Partner with internal and external stakeholders on the Know Your Customer (KYC) and account management processes. * Ensure all banking relationships comply with regulatory requirements and internal policies. * Payments/transfers execution and collateral management: * Manage payment and transfer activities. * Ensure accuracy, timeliness, and compliance with relevant policies. * Manage collateral requirements, including monitoring collateral positions. * Setup and maintain policies, processes, and procedures: * Identify and implement improvements to ensure efficient processes for Treasury Operations. * Update procedural documentation where required in line with changing regulations and business needs  WHAT WE ARE LOOKING FOR:  Tide is seeking an experienced and motivated Senior Treasury Operations Analyst. The ideal candidate will have: * Minimum of  6 years of experience with Treasury Operations and Cash Management * Prior experience in financial services – preferably in payments, technology-driven & scale-up environments  * Knowledge of cash-flow forecasting, flow of funds and payment systems * Proven ability to manage both BAU and complex projects/initiatives  * Self-starter, strong attention to detail and extreme ownership mentality * Extremely comfortable working with ambiguity * Experience mitigating operational risk * Experience with Cash Management systems * Experience utilising BI reporting tools (Looker/Power BI/Tableau etc) is desirable * Experience working within a dynamic and strong paced environment * Excellent communication and stakeholder management skills WHAT YOU’LL GET IN RETURN: OUR LOCATION-SPECIFIC EMPLOYEE BENEFITS ARE DESIGNED TO CATER TO THE UNIQUE NEEDS OF TIDEANS:  * Salary €35200 to €44000 * Time Off – Generous annual leave on top of bank holidays. * Parental Leave – Paid maternity, paternity, and adoption leave to support your family journey. * Sabbatical – Extended unpaid and paid leave options after completing milestone years with Tide. * Health Insurance – Private health insurance with Bulgaria Zdrave, including extra dental care. * Mental Wellbeing – Access to therapy sessions, courses, meditations, and workshops. * Volunteering & Development Days – Paid days annually for volunteering or personal growth. * Learning & Development – Annual budget for books, courses, coaching, and more. * WOO (Work Outside the Office) – Work from abroad for up to 90 days annually. * Home Office Setup – Contribution towards setting up your home office * Laptop Ownership – Keep your old laptop and get a new one when it’s time for a replacement. * Fully Covered Multi Sports Card – Granting access to hundreds of gyms and pools across Bulgaria * Monthly Food Vouchers - Monthly food vouchers to enjoy your favorite meals with Edenred + * Snacks & Meals – Daily breakfast spread with all-day coffee, tea, and juices 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.    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 talent@tide.co 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. Your personal data will be processed by Tide for recruitment purposes and in accordance with Tide's Recruitment Privacy Notice.

Senior Financial Risk Manager

Monzo

🚀 We’re on a mission to make money work for everyone. We’re waving goodbye to the complicated and confusing ways of traditional banking. After starting as a prepaid card, our product offering has grown a lot in the last 10 years in the UK. As well as personal and business bank accounts, we offer joint accounts, accounts for 16-17 year olds, a free kids account and credit cards in the UK, with more exciting things to come beyond. Our UK customers can also save, invest and combine their pensions with us.  With our hot coral cards and get-paid-early feature, combined with financial education on social media and our award winning customer service, we have a long history of creating magical moments for our customers! We’re not about selling products - we want to solve problems and change lives through Monzo ❤️ ----------------------------------------------------------------------------------------------------------------------------------   📍Dublin, Ireland | 💰 €92,000 - €112,000, Incentive Awards tied to your performance ➕benefits | Hear from the team ✨ ⭐Our Risk team This role sits within our 2nd line of defence risk management team. Acting as a senior technical specialist within the Financial Risk function, it will involve supporting the Director in delivering robust oversight across several financial risk disciplines. The role has a strong focus on IRRBB, capital adequacy and stress testing (ICAAP), and liquidity and balance sheet risk (ALM), ensuring that frameworks, models, and methodologies are fit-for-purpose, compliant, and aligned with regulatory expectations. The role you are applying for is a Controlled Function (CF-2) within the meaning of the Central Bank Reform Act, 2010. For this role, appointment will be conditional on Monzo being fully satisfied that the appointee meets the requirements as set out in the Fitness and Probity Standards issued by the Central Bank of Ireland. As a CF, the role holder will be subject to Conduct Standards under the Central Bank of Ireland Individual Accountability Framework (IAF) and will be required to take reasonable steps to ensure that the relevant conduct standards are met. 🔑You’ll play a key role by… Driving delivery of the Financials Risk Functions objectives across the following areas of responsibility: Technical Leadership – Financial Risk Models & IRRBB * Leading independent 2LoD validation and review of financial risk models, with a focus on; Interest Rate Risk in the Banking Book (IRRBB), behavioural models (e.g. deposits, prepayments) and hedging strategies and valuation approaches * Assessing model design, assumptions, limitations, and performance, ensuring alignment with regulatory expectations (e.g. EBA IRRBB guidelines) * Providing independent technical challenge to first line model development and usage * Overseeing overarching model governance, including validation cycles, documentation standards, and model risk controls * Supporting development and enhancement of IRRBB measurement methodologies (e.g. EVE, NII metrics) Capital Adequacy, ICAAP & Stress Testing * Playing a leading role in ICAAP development, review, and ongoing enhancement * Providing independent oversight and challenge of; capital adequacy assessments, risk quantification methodologies, scenario design and stress testing frameworks and risk appetite calibration * Designing and reviewing stress testing scenarios (macroeconomic, idiosyncratic, reverse stress) * Assessing capital planning and forecasting, including base and stressed balance sheet projections * Ensuring ICAAP documentation meets regulatory standards and audit expectations * Supporting interactions with regulators on capital-related topics Liquidity Risk & Treasury Oversight (ALM) * Providing 2LoD oversight of liquidity risk and funding frameworks, including ILAAP and liquidity risk metrics (LCR, NSFR, survival horizon) * Reviewing and challenging Treasury activities, including; balance sheet management, funding strategies and wholesale credit exposures * Assessing assumptions underpinning liquidity stress testing and contingency funding plans * Providing oversight of ALM practices, including interest rate positioning and structural hedging * Supporting review of Recovery Plan and Solvent Wind Down (SWD) from a liquidity and funding perspective Risk Monitoring, Reporting & Regulatory Submissions * Leading production and independent review of financial risk MI (capital, liquidity, IRRBB), stress testing outputs and sensitivity analysis * Reviewing and challenging key regulatory submissions, including; ICAAP and ILAAP, pillar 3 disclosures, recovery plan and SWD * Ensuring data integrity, traceability, and auditability of risk outputs * Identifying emerging risks and escalate material issues appropriately Business Partnering & Expert Challenge * Acting as a technical advisor to Treasury, Finance, and Risk teams * Providing credible and constructive challenge on methodologies, assumptions, and decision-making * Supporting the embedding of robust financial risk practices across the organisation * Contributing technical expertise to strategic initiatives (e.g. product launches, balance sheet optimisation) Governance & Committees * Supporting preparation of materials for ALCO and Executive and Board Risk Committees * Presenting technical analysis and insights where required * Supporting escalation and documentation of key financial risk issues Regulatory & Control Environment * Ensuring alignment with CBI, EBA, and other applicable prudential regulations alongside internal financial risk frameworks and policies * Supporting adherence to fitness & Probity standards and individual Accountability Framework (IAF) Conduct Standards * Maintaining high standards of documentation, controls, and audit readiness 🤩 We’d love to hear from you if you have…… * Strong technical expertise in one or more of IRRBB modelling and measurement, capital adequacy and ICAAP, liquidity risk and ALM * Experience in model validation, quantitative analysis, or risk methodology development * Deep understanding of prudential regulation (CRR/CRD, EBA guidelines, ICAAP/ILAAP expectations) * Strong analytical and problem-solving skills with attention to detail * Ability to challenge effectively and communicate complex concepts clearly to senior stakeholders * Experience working with Treasury, Finance, or Risk teams in a banking environment 🙌What’s in it for you 💰A salary range of €92,000 - €112,000 ➕Incentive Awards tied to your performance. 📍This role will have a hybrid working model, based in our Dublin office 2 - 3 days a week. ⏰We offer flexible working hours and trust you to work enough hours to do your job well, and at times that suit you and your team.  🏝 Annual Leave - 34 days including public holidays (24 holiday days + 10 public holidays) 📚€1,200 learning budget each year to use on books, training courses and conferences. 🏥Private healthcare scheme 💰Pension scheme: the minimum contribution is 4% and Monzo matches any additional contributions that you make up to a maximum of 6% 💛Wellbeing benefits: financial education, women’s and men’s health support, mental health benefits, including coaching and counselling 🌈 The application journey has 4 key steps * An introductory call with a member of the Monzo Recruitment team * An initial call with the hiring manager * A series of role specific, behavioural & leadership principles interviews * Final stage interview This process should take around 3-4 weeks - your schedule is really important to us, so we promise to be as flexible as possible!  We have some guidelines on using Artificial Intelligence (AI) to ace an application and interview at Monzo. You can read them here. We’ll only close this role once we have enough applications for the next stage. Please submit your application as soon as possible to make sure you don’t miss out.  #LI-ÉS1 ---------------------------------------------------------------------------------------------------------------------------------- Equal opportunities for everyone Diversity and inclusion are a priority for us and we’re making sure we have lots of support for all of our people to grow at Monzo. At Monzo, we’re embracing diversity by fostering an inclusive environment for all people to do the best work of their lives with us. This is integral to our mission of making money work for everyone. You can read more in our blog, 2026 Diversity and Inclusion Report and 2025 Gender Pay Gap Report. We’re an equal opportunity employer. All applicants will be considered for employment without attention to age, ethnicity, religion, sex, sexual orientation, gender identity, family or parental status, national origin, or veteran, neurodiversity or disability status. If you have a preferred name, please use it to apply. We don't need full or birth names at application stage 😊