Regulatory Reporting Analyst

Tandem Bank

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.

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 | 💰£56,100 - £64,000 ➕ Incentive Awards tied to your performance ➕ Benefits | Hear from the team ✨ ⭐ Our Regulatory team We are looking for a curious, adaptive and data-focused Senior Regulatory Reporting Analyst with a strong attention to detail to join our regulatory reporting team at Monzo. The team is responsible for understanding our prudential regulatory reporting requirements, working on projects and submissions relating to these and collaborating with teams across Monzo. 🔑 You’ll play a key role by… * Taking ownership of the preparation, analysis and submission of regulatory reporting requirements (e.g. Capital, Liquidity) * Ensuring compliance with the applicable regulatory interpretations * Assisting the wider team in producing Monzo’s capital and liquidity regulatory reporting and disclosures (including Pillar 3) * Executing and improving the controls required to ensure regulatory reporting is timely, accurate and complete * Ensuring high data quality by performing data profiling and investigating data quality issues * Using data visualisation tools to build dashboards and facilitate sign-off and useful insights * Partnering with teams internally to help them make informed business decisions and providing input into new product launches * Designing brilliant ways to automate your work and leverage technology to ensure we scale with the business 🤩We’d love to hear from you if… * You have a good understanding of capital requirements, liquidity reports and regulatory frameworks * You’re excited by data and have a sharp eye for detail * You have knowledge of coding languages (SQL would be a bonus), although a willingness to learn is just fine  * You have strong analytical skills, high attention to detail and the ability to meet tight deadlines * You want to automate or enhance recurring processes, particularly by leveraging technology, and implement changes in collaboration with IT and regulatory change teams. 🙌 What’s in it for you 💰 £56,100 - £64,000 ➕ Incentive Awards tied to your performance 📍 This role is based in our London office, with a hybrid working approach ⏰ 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. ➕ Plus lots more! Read our full list of benefits. 🌈 The application journey has 4 key steps: * Phone call with recruiter * Initial call with hiring manager (30 mins) * Technical interview with hiring manager and team member (45 mins) * Monzo behavioural interview (45 min) 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’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. We have some guidelines on using Artificial Intelligence (AI) to ace an application and interview at Monzo 🤖 You can read them here. #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 😊

Modulr

* Are you curious, excited by experimentation and always looking for a better way of doing things? * Do you want to keep learning and developing whilst getting hands-on experience working in the embedded payments space? * Do you want to have the opportunity to high-growth environment with a fast-paced and collaborative culture where you will work with some fantastic clients and partners? If so, we would love to hear from you! We are looking for ambitious, value‑adding talent to join Modulr — one of the fastest‑growing payments businesses in the UK and Europe — to help drive Change and Automation across our Operations function. This role will lead process improvement, operational change and automation initiatives that enhance our operational process’s while delivering greater efficiency and consistently high service standards. We are looking for a Mumbai based candidate to leverage our “Office First” strategy but the wider team is based across various locations and will support both our UK and European entities.  About us   At Modulr, our vision is a world where all businesses are powered by embedded payments. Modulr enables businesses, from SMEs to Enterprise, initially across the UK and Europe, to efficiently pay-in, collect and disburse funds instantly via a range of payment schemes, accounts, and card products. We have created an industry-leading API platform with comprehensive online tools and access, to meet the demands of daily business payments. We have two routes to the market. Our Core Business Payments product allows customers in any sector to connect to us and our expanding network of accounting and payroll platforms, including Sage, Xero, BrightPay and IRIS to automate payments. Our Vertical Solutions targets a growing range of industry verticals which directly connect their IT platforms to our APIs and webhooks. We solve complex payment problems for hundreds of clients in a range of industries, including Travel, Lending, Wage Advance, and Investment & Wealth.  We are deeply integrated into the payment ecosystem. Across the UK and Europe our payment network connectivity includes FPS, BACS, CHAPS, Open Banking, SEPA, SWIFT and account issuance in multiple currencies. Modulr holds settlement accounts at the Bank of England. We are principal issuing members of Visa and Mastercard schemes across UK and Europe.  Our regulatory permissions and governance structure are the foundations of our business. We are regulated and supervised as an Authorized Electronic Money Institution (AEMI) in the UK by the Financial Conduct Authority and in the Netherlands by De Nederlandsche Bank. Modulr now has over 400 employees across London, Edinburgh, Amsterdam, Mumbai and the US.   Our founding team has a wealth of experience in the payments industry and growing successful businesses. Modulr now has over 450 employees spread globally across offices in London, Edinburgh, Amsterdam, Mumbai and Pune.    Modulr values   * Building the extraordinary; going that extra mile.   * Owning the opportunity; be passionate and proud of the time you invest.   * Move at pace; reach goals faster whilst supported on your career journey.   * Achieve it together, working collaboratively and being a Modulite.     Key Responsibilities   * Risk Management Support  * Support the maintenance and updating of the Enterprise‑Wide Risk Assessment (EWRA) and the entity‑specific UK risk register, ensuring information is accurate, up to date and clearly documented  * Assist with the coordination of bi‑monthly risk reviews, including preparing materials, tracking actions and supporting escalation through agreed governance forums  * Help ensure consistency between risk assessments, issues logs and management information used for reporting   * Assurance & Issues Management Support  * Support the delivery of the second line assurance plan by assisting with desk‑based reviews, evidence gathering, sampling and documentation  * Track assurance findings and related actions, maintaining clear records and following up with stakeholders to support timely completion  * Assist with maintaining issues management logs, ensuring progress updates are captured and reported accurately   * Regulatory Reporting & Monitoring  * Assist in the preparation and submission of regulatory reports, ensuring inputs are complete, accurate and submitted within required timelines  * Support responses to regulatory information requests by coordinating inputs and materials for review  * Monitor regulatory updates and help summarise key developments and potential impacts for the business   * Governance & Management Information  * Support the preparation of risk and compliance MI, ensuring data is accurate, consistent and clearly presented  * Assist with the preparation of papers, packs and action logs for risk committees, Financial Crime Oversight Committee and Audit & Risk Committee  * Maintain clear records of governance discussions, decisions and actions to support effective follow-up and audit trails   * Policy & Framework Administration  * Support the maintenance of the policy library, including tracking review dates, updates and approvals  * Assist in checking that policies and controls are reflected consistently across risk assessments, assurance activity and reporting   * Stakeholder Collaboration & Development  * Work closely with colleagues across the business to gather information, provide support and help embed risk and compliance processes  * Collaborate with Group and regional Risk & Compliance colleagues to support consistency and shared ways of working  * Develop knowledge of the regulatory environment, risk management frameworks and the three lines of defence through hands-on experience and coaching  Skills and Experience   * An interest in risk management, compliance, regulation or governance, ideally within a regulated or operational environment  * Strong attention to detail, with the ability to maintain accurate records, track actions and manage information across multiple workstreams  * Good written and verbal communication skills, with the ability to present information clearly and concisely  * Ability to organise and prioritise tasks, managing competing deadlines with appropriate support  * Confidence working with data, documents and reporting outputs, including management information (MI) and governance materials  * A collaborative mindset, with the ability to work effectively with colleagues across different teams and levels of seniority  * A proactive approach to learning, with willingness to ask questions, seek feedback and build knowledge over time  * Some exposure to risk, compliance, audit, legal, financial crime or regulatory environments, either through previous roles, internships or academic study  * Awareness of the three lines of defence model or basic risk management concepts   About You   * Comfortable working across multiple onboarding streams and adapting to changing priorities.   * Detail-oriented, structured, and proactive in identifying improvements.   * Passionate about using data to drive operational excellence and compliance.    ModInclusion   At Modulr, we are working hard to build a more positive, diverse and inclusive culture that helps everyone to feel they belong and can truly bring their whole self to work. Not only is it the right thing to do for everyone in the Modulr team, it’s also the right thing to do for our business, the community we operate in and attract future talent. As part of our approach, we actively welcome applications from candidates with diverse backgrounds.