Head of Prudential Risk

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 ❤️ ----------------------------------------------------------------------------------------------------------------------------------   📍London/Cardiff/UK Remote | 💰£106,300 - 125,000 + Incentive Awards tied to your performance + Benefits  ✨ Our Financial Control team ⭐ Monzo is looking for an experienced and ambitious professional for a newly created, high impact Head of Accounting Policy role. This role is designed to establish and lead our technical accounting policy function for our Group, UK and EU regulated entities. Rooted in the banking sector, the successful candidate will sit at the intersection of finance and commercial growth. You will act as the primary technical interface for the business, assessing new commercial proposals, leading technical accounting fora, and strategically triaging work across the wider finance team to utilise the existing technical capability of the team as well as lead in developing those skills further. This is a key role with real impact, working closely with the Group Financial Controller, UK and EU CFOs to deliver high-quality external reporting, and technical accounting and advisory in support of our fast-growing, tech-driven bank. We’re looking for someone with significant experience in an accounting policy, technical accounting role, ideally from a banking background. You'll thrive in a fast-paced, ever-evolving environment and have a hands on, delivery focused mindset, supporting Monzo’s mission to make money work for everyone. 🔑 You’ll play a key role by... * Providing expert advice on complex accounting issues (e.g., revenue recognition, leasing, financial instruments) and document conclusions in technical memos. * Developing and maintaining global accounting policies, ensuring consistency across the organisation and compliance with updated standards (IFRS). * Leading projects for the adoption of new accounting standards. * Partnering with commercial and product teams to evaluate the accounting implications of new products, lending propositions, and complex transactions prior to launch. * Managing the intake of technical queries, strategically triaging and delegating project components to utilise existing and develop the technical skills within the wider finance team. * Establishing, coordinating, and chairing an internal technical accounting forum to debate, align, and secure sign-off on areas of accounting estimates and judgments, as well as new policy/standards. * Acting as the dedicated technical accounting partner to the business, translating complex technical standards into actionable business advice. * Leading the technical dialogue with external auditors, authoring robust accounting papers to justify and defend the Monzo’s reported positions. * Building and maintaining effective working relationships with internal stakeholders, external auditors and advisors. 🤩 We’d love to hear from you if… * Experience: Fully qualified accountant (ACA, ACCA, or CPA) with 5+ years of experience in accounting policy, technical accounting, or Big 4 accounting advisory. * Technical Skills: Strong, hands-on knowledge of IFRS particularly in specialised areas like IFRS 9 * Banking Background (preferred): Proven track record within a banking institution or a Big 4 banking/financial services advisory practice. * Collaborative Leadership: Demonstrated experience in managing workloads across a team, utilising external skill sets rather than working in a silo. * Stakeholder Management: Ability to facilitate technical debate and drive alignment among senior leaders and cross-functional teams. * Communication: Strong capability to communicate technical standards into clear, professional, and practical guidance for non-finance stakeholders. * Resource Optimisation: Sharp prioritisation and organisational skills to effectively triage proposals and maximize the existing capabilities of the wider team, while also developing those skills further. * Adaptability and resilience: Demonstrable ability to be resilient and flexible in a fast-paced, tech-led, and agile environment. 🙌 What’s in it for you 💰 £106,300 - £125,000 ➕Incentive Awards tied to your performance. 📍This role can be based in our London office, but we're open to distributed working within the UK (with ad hoc meetings in London) ⏰ 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.  📚 £1,000 learning budget each year to use on books, training courses and conferences. 🏡 We will set you up to work from home; all employees are given Macbooks and for fully remote workers we will provide extra support for your work-from-home setup.  ➕ Plus lots more! Read our full list of benefits. 🌈 The application journey has 4 key steps * Phone call with the Recruiter (30 mins) * Initial Video interview with Hiring Manager (30 mins) * Role specific interview with Financial Control team (60 mins) * Behavioural interview with wider Finance members (45 mins) 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. #LI-REMOTE #LI-NZ1 ---------------------------------------------------------------------------------------------------------------------------------- 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 😊

IMC

ABOUT THE ROLE We're looking for an Operational Risk Manager to join IMC's Operational Risk Management (ORM) team and lead operational risk frameworks and prudential risk across our European offices. The key focus areas for this role are split between operational risk and prudential risk. Operational risk covers the Key Control Framework (KCF), Risk Control Self-Assessments (RCSA), risk surveys, risk culture, and Business Continuity Planning (BCP). Prudential risk focuses on IFR/IFD regulatory frameworks including the Internal Capital Adequacy and Risk Assessment (ICARA) process, Pillar 3 disclosures, prudential reporting, and participation in IFR-related working groups across associations (EPTA, APT) and regulators (FCA, DNB). You will partner with Trading, Technology, Compliance, and other teams across the organization to ensure risk controls are appropriately embedded in systems and processes. The role reports to the European Head of Risk and is based in Amsterdam, with regular travel across our European offices (London, Zug, Aarhus). You will join a growing dedicated ORM team as the second member and collaborate with ORM colleagues globally. YOUR CORE RESPONSIBILITIES:  * Own and continuously enhance the Key Control Framework, ensuring effective testing, monitoring, and assurance of critical firm-wide controls * Conduct annual Risk Survey, Culture assesment and Risk Control Self-Assessment process to ensure proactive and consistent identification, evaluation, and mitigation of key risks * Partner with Trading, Technology, Compliance and other teams to ensure risk controls are appropriately embedded in systems and processes * Lead Business Continuity Planning (BCP) processes and testing across European offices * Lead ongoing IFR/IFD prudential risk management for Amsterdam and London entities * Own the Internal Capital Adequacy and Risk Assessment (ICARA) process, Pillar 3 disclosures, and prudential reporting for both jurisdictions * Participate in IFR-related working groups across associations (EPTA, APT) and engage with regulators (FCA, DNB) on prudential risk matters YOUR SKILLS AND EXPERIENCE:  * At least 5+ years of relevant operational & prudential risk management experience in financial services or trading environments * Proven experience interpreting prudential risk regulations, translating them into practical implementation, and understanding how they impact the business (IFR/IFD experience preferred) * Plus when direct experience with ICARA processes, Pillar 3 disclosures, and prudential reporting * Demonstrated experience developing and implementing Operational Risk frameworks, including RCSA and Key Control frameworks * Understanding of financial markets, trading operations, and associated risk exposures * Strong analytical skills with attention to detail and ability to work with complex regulatory requirements * Excellent stakeholder management and communication skills, with the ability to influence and engage credibly at all levels of the organization * Leadership capabilities with ability to develop and mentor team members * Academic background in a relevant field (finance, risk management, economics, or related disciplines) * Excellent verbal and written communication skills in English   About Us IMC is a global trading firm powered by a cutting-edge research environment and a world-class technology backbone. Since 1989, we’ve been a stabilizing force in financial markets, providing essential liquidity upon which market participants depend. Across our offices in the US, Europe, Asia Pacific, and India, our talented quant researchers, engineers, traders, and business operations professionals are united by our uniquely collaborative, high-performance culture, and our commitment to giving back. From entering dynamic new markets to embracing disruptive technologies, and from developing an innovative research environment to diversifying our trading strategies, we dare to continuously innovate and collaborate to succeed.

Tandem Bank

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.