Technical Head of Compliance

BCB Group

We are seeking a highly accomplished, commercially savvy and strategically-minded leader to serve as the strategic Compliance Executive for the Group. You will lead UK regulatory operations while spearheading the compliance framework for our global product and markets roadmap.. This is a unique and pivotal dual-mandate role. The successful candidate will be responsible for ensuring full regulatory adherence of our two regulated UK entities while simultaneously driving the global compliance strategy for products and new licences across the entire Group business. This position necessarily requires deep expertise in UK regulation (FCA), specifically for a payments and e-money institution, but uniquely combined with a proactive approach, excitement and flair for embedding compliance into the global product development lifecycle and expansion of our regulatory footprint. The Role - What will you be doing?   UK and Strategic Compliance Lead You will serve as the strategic Compliance lead globally as well as the leader for our UK regulated entities, BCB Payments UK Ltd and BCB Markets UK Ltd, ensuring they meet our policy and regulatory framework requirements. Take full ownership of regulatory affairs, licensing, and direct engagement with the FCA. Oversee second line monitoring, safeguarding, internal audit findings remediation, ensuring issues are resolved with speed and precision. Global Product & Expansion This role has a global Compliance Advisory remit on all aspects of BCB’s product development and governance journey, plus global expansion efforts as we increase our regulatory footprint with new jurisdictions and new licences. You will ensure that as we enter new markets and launch new products, we incorporate a compliance-by-design approach.  You will partner directly with Product teams to embed compliance controls into the development lifecycle from day zero, conduct gap analyses and risk assessments for new jurisdictions and product approvals, and oversee horizon scanning. Business Partnering & Reporting You will provide Compliance advice to business stakeholders in a clear, concise, and tailored manner, representing the Compliance function in internal committees and working groups. You will continually improve and strengthen our compliance framework, identify emerging risks, and embed a strong culture of compliance across the firm. Provide comprehensive, regular reporting on the status of UK compliance risks, regulatory changes, and remedial actions to the UK Board, relevant governance committees. Create and develop compliance management information (MI) & Key Risk Indicators (KRIs).   Experience & Requirements  * You bring 10+ years of experience within the FCA-regulated payments, e-money, crypto, or banking sectors. You’ve spent at least 3-5 of those years in a senior leadership or Head of Compliance capacity, navigating the complexities of the UK regulatory landscape. * You have a proven ability to act as a force multiplier for executive leadership, managing cross-functional strategic initiatives and motivating teams to deliver under pressure. * You possess expert-level knowledge of PSRs, EMRs, the FCA handbook, and safeguarding rules. Crucially, you aren't intimidated by the "new": you have a deep interest in the evolving crypto asset sector and the global regulatory frontier.  * You maintain expert-level understanding of UK AML, CTF, and Sanctions regulations. While you aren't the MLRO, you speak their language fluently. * You are as comfortable drafting a policy from scratch as you are debating a compliance strategy with senior leadership. * You provide commercially viable, actionable advice that balances rapid innovation with rigorous risk management. You've spent years providing 2nd line advisory for product development and global expansion. * You are as comfortable in a "hands-on" regulatory engagement with the FCA as you are influencing and collaborating with senior leadership. * You are autonomous, proactive, and ‘get it done’. You thrive in diverse, international, fast-moving environments where the rules of the game are constantly evolving. * You hold relevant professional certifications in Compliance (e.g., ICA, ACAMS) and have an edge that enables you to represent BCB Group globally ABOUT BCB GROUP BCB Group is a leading provider of regulated payment and trading services in crypto and fiat for the digital asset economy. We provide accounts, cryptocurrency and foreign exchange market liquidity for some of the world’s largest, crypto-engaged businesses, including crypto exchanges, liquidity providers, market makers, investment firms, custodians, payment processors and wallet providers. Our end-to-end suite of products are accessible through our Client Console UI and API. We offer more than 40 fiat and cryptocurrencies, deep trading liquidity, 24/7 instant payments through our instant settlements network, BLINC, and secure crypto services. Our strong focus on compliance matches our technical and business expertise, and we are regulated by some of the world’s most respected regulators. Authorised in the UK, France and Switzerland, we place the utmost importance on our regulatory-first institutional principles. Our leadership team boasts years of relevant, high-level experience at globally-renowned institutions. They combine finance, law, regulatory and technology skills in traditional and crypto financial services with a deep understanding of the new digital asset economy. Our mission is to create the trusted platform to pay, store, trade and earn fiat and digital assets, globally 24/7

Capital on Tap

We’re Capital on Tap 👋 💳 Capital on Tap started because small businesses were underserved. Big banks were slow, their products weren't fit for purpose, and small business owners often couldn't access what they needed. We set out to fix that. Today we're a financial platform - not just a credit card company. We offer a best-in-class business credit card, SME-focused spend management platform, a savings product that hit £1 billion in funds within its first year, and a growing suite of tools and financial products that make running a small business easier.  1,000+ employees, £20bn in annual card spend, 200,000+ customers, 17,000+ Trustpilot reviews averaging 4.7 stars, and we're profitable. We’ve done a pretty good job so far, but we’re just getting started!  🏡🏢This is a Hybrid role, the Financial Crime Compliance team working from our London (Moorgate) office 3 days per week. Financial Crime Compliance at Capital on Tap The Financial Crime function is responsible for the ongoing management of the company’s Financial Crime policies, procedures and controls. This includes risk assessment and ongoing assurance of AML compliance, business advisory and management of high risk customer and suspicious activity escalations.  What You’ll Be Doing You will deputise for the MLRO, managing a growing team of Financial Crime Compliance Professionals. Providing advice to first line operational functions and other areas of the business as appropriate.  * DMLRO: Support the MLRO in the development and ongoing management of our AML policies and procedures in line with statutory obligations and company risk appetite. * Operational excellence: Provide expert guidance to both 1LoD and 2LoD operations and review escalations related to suspicious activity, sanctions, PEPs, adverse media, complex ownership and high risk customers. * SME: Act as a SME for both current and emerging regulatory obligations ensuring our assessment and subsequent management of risk is appropriate and aligned to the company risk appetite on an ongoing basis. * External stakeholders: Liaise with Law Enforcement, regulators and Partner Banks as a primary point of contact for investigations, reporting, audits and other ad hoc requests. * Internal stakeholders: Establish strong relationships with applicable stakeholders and become the go to person for FC advisory within the business. * Training: Develop targeted training for 1LoD and 2LoD financial crime teams and other parts of the business. * MI: Feed into the MI framework and highlight financial crime risks to the business on an ongoing basis. * Controls: Feed into the ongoing maintenance of onboarding and ongoing due diligence controls. Bring hands on experience to assess and update existing controls to at a minimum industry standard. We’re Looking For 🔎 Required skills: * A solid understanding of complex ownership structures for SME businesses in the UK and US as a minimum.  * Complex investigation skills required whether it be from ownership structures at onboarding to unravelling complex transaction patterns to identify anomalies on an ongoing basis.  * Able to communicate effectively with stakeholders at every level in the organisation. * Able to manage multiple ongoing projects both within the FinCrime space and in product development.  * Deep technical knowledge of AML/CTF regulations and regulatory expectations. * Proficient in quantifying abstract threats and determining if a client’s risk profile aligns with the firm’s "risk appetite” as well as having the confidence to make high-stakes "go/no-go" decisions on suspicious clients under time and commercial pressure. * The skill to explain complex compliance failures to non-experts and justify SAR filings to law enforcement. * Ability to maintain external awareness of the regulatory environment, ensuring risk assessment and policies and procedures are updated as required.  * Previous management experience within Financial Crime. Nice to have skills: * Strong presenting skills, able to break complex subject matter down into simple terms. * Experience with SQL and strong Excel skills. * Appropriate industry accreditation such as ICA Diploma or ACAMs. Diversity & Inclusion 🌈 We welcome, consider and encourage applications from anyone who shares our commitment to inclusivity. Join us in creating a space where authenticity thrives, and everyone can do their best work. Great Work Deserves Great Perks We try not to take ourselves too seriously (all the time) so we make sure our office is decked out with a pool table, arcade machine, beer tap, and a couple of office dogs thrown in for good measure. Check out our benefits: 🏥 Private Healthcare including dental and opticians services through Vitality ✈️ Worldwide travel insurance through Vitality 🎁 Anniversary Rewards (£250, £500, £750, 4-week fully paid sabbatical) 👛 Salary Sacrifice Pension Scheme up to 7% match 🏖️ 28 days holiday (plus bank holidays) 📖 Annual Learning and Wellbeing Budget 👪 Enhanced Parental Leave 🚲 Cycle to Work Scheme 🚂 Season Ticket Loan 💬 6 free therapy sessions per year 🐶 Dog Friendly Offices 🍫 Free drinks and snacks in our offices Check out more of our benefits, values and mission here. Other Info 👍Check out our ‘Top Tips’ for interviewing. ✔️Keep updated on new job opportunities by following us on Linkedin. 📧Email careers@capitalontap.com if you have any questions. Excited to work here? Apply! If you’d like to progress your career within our fast growing, profitable fintech then click apply and we will aim to get back to you within 3 working days (during busy periods this could take up to 5 working days.)

Capital on Tap

We’re Capital on Tap 👋 💳 Capital on Tap started because small businesses were underserved. Big banks were slow, their products weren't fit for purpose, and small business owners often couldn't access what they needed. We set out to fix that. Today we're a financial platform - not just a credit card company. We offer a best-in-class business credit card, SME-focused spend management platform, a savings product that hit £1 billion in funds within its first year, and a growing suite of tools and financial products that make running a small business easier.  1,000+ employees, £20bn in annual card spend, 200,000+ customers, 17,000+ Trustpilot reviews averaging 4.7 stars, and we're profitable. We’ve done a pretty good job so far, but we’re just getting started!  🏡🏢This is a Hybrid role, with a minimum of 3 days a week in our London office. Risk & Compliance at Capital on Tap The Risk & Compliance team is the second line of defence at Capital on Tap, working at the intersection of regulation, product and business growth. As our Risk Manager, you'll lead the design and delivery of our risk management framework, working closely with the UK Compliance Director and Risk Owners across the Leadership Team. The Role This is a senior leadership role for someone who is energised by building forward-looking risk frameworks that inform decisions, not activity registers that sit on a shelf. The ideal candidate will have significant expertise in enterprise risk management within FCA-regulated firms, technical fluency, and take a pragmatic, problem-solving and risk-based approach. What You’ll Be Doing * Strategic Risk Leadership: Serve as the primary second-line risk lead, providing senior leadership with a forward-looking, decision-useful view of risk as the business scales. * Framework Ownership: Own and refresh the Enterprise Risk Management Framework ensuring the three lines of defence design fits a growing FinTech. * Risk Taxonomy & RCSAs: Re-baseline the Risk Taxonomy with Risk Owners to reflect the current business, and work collaboratively with them to refresh risk assessments and risk appetites. * KRIs & Risk Reporting: Work with Risk Owners to build live KRI dashboards and support reporting to the Risk Committee. * Risk Systems & Data: Responsible for transitioning to a GRC platform. * Stress Testing & Wind-Down: Lead the annual wind-down plan refresh aligned to FCA WDPG and the CASS 10A resolution pack. * Governance Support: Support Risk Committee Charter and Terms of Reference refresh. * Independent Assurance: Partner with Internal Audit and third party assurance providers to shape an independent assurance plan aligned to where the residual risks actually sit. * Business Enablement: Provide thoughtful, business-minded second line challenge to product launches, partner-bank changes and AI implementations. * Risk Culture: Support the risk culture across the business by engaging Risk Owners on impact classification and risk-owned RCSAs, embedding risk thinking into business-as-usual decisions. We’re Looking For * Deep Regulatory Expertise: Comprehensive working knowledge of FCA SYSC 4, 6 and 7, the EMD/PSD regime, FCA WDPG and CASS 10A, with the ability to interpret complex requirements and provide pragmatic business guidance. * Framework Design Experience: Hands-on experience designing or refreshing an Enterprise Risk Management Framework: taxonomy, appetite, KRIs, RCSA methodology and Risk Committee reporting. * FinTech / Payments Background: Proven experience in an FCA-regulated firm in the EMI, payments, banking or FinTech space, with an understanding of partner-bank concentration risk in card and payments models. * Forward-Looking Reporting: Track record of building effective risk reporting. * Stress Testing & Wind-Down: Practical experience embedding stress testing, reverse stress testing and wind-down planning at firm level. * Senior Stakeholder Influence: Confident providing independent challenge at Director and C-suite level, building constructive relationships while holding the second line. * Urgency & Business Focus: Demonstrated ability to work at pace in fast-moving environments, with the appetite to build at speed - the framework exists, it needs maturing fast as the business scales. * Strong Written Communication: Excellent written communication for papers, Risk Committee briefings and Board notes, with the ability to translate technical risk into business decisions. Nice to Have * GRC Platform Experience: Experience evaluating or implementing a GRC platform. * AI & Operational Resilience: Exposure to AI risk management and operational resilience under FCA expectations. * Professional Qualifications: A recognised risk qualification such as IRM (Institute of Risk Management), FRM (GARP), PRMIA or equivalent. Big 4 or consulting background in financial services risk also welcome. Diversity & Inclusion 🌈 We welcome, consider and encourage applications from anyone who shares our commitment to inclusivity. Join us in creating a space where authenticity thrives, and everyone can do their best work. Great Work Deserves Great Perks We try not to take ourselves too seriously (all the time) so we make sure our office is decked out with a pool table, arcade machine, beer tap, and a couple of office dogs thrown in for good measure. Check out our benefits: 🏥 Private Healthcare including dental and opticians services through Vitality ✈️ Worldwide travel insurance through Vitality ❤️ Access to a women's health platform via Hertility 🎁 Anniversary Rewards (£250, £500, £750, 4-week fully paid sabbatical) 👛 Salary Sacrifice Pension Scheme up to 7% match 🏖️ 28 days holiday (plus bank holidays) 📖 Annual Learning and Wellbeing Budget 👪 Enhanced Parental Leave 🚲 Cycle to Work Scheme 🚂 Season Ticket Loan 💬 6 free therapy sessions per year 🐶 Dog Friendly Offices 🍫 Free drinks and snacks in our offices Check out more of our benefits, values and mission here. Other Info 👍Check out our ‘Top Tips’ for interviewing. ✔️Keep updated on new job opportunities by following us on Linkedin. 📧Email careers@capitalontap.com if you have any questions. Excited to work here? Apply! If you’d like to progress your career within our fast growing, profitable fintech then click apply and we will aim to get back to you within 3 working days (during busy periods this could take up to 5 working days.)