Compliance Assurance Manager

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 & Compliance Assurance Manager, you'll develop the compliance monitoring plan, co-ordinating with other second line teams, develop and maintain monitoring best practice, and independently test how well the business is managing risk and complying with the rules, providing oversight, challenge and governance that gives the Risk Committee, regulators and partner banks confidence that controls are working as intended. The Role This is a senior leadership role for someone who has built and run an independent monitoring programme before and wants to do it again at a fast-growing FinTech. You'll own the Risk and Compliance Monitoring Plan, design the thematic reviews and control tests that pressure-test first-line controls, and lead the follow-up of actions to closure. The ideal candidate will combine significant monitoring expertise, analytical judgement, and a pragmatic, problem-solving and risk-based approach. What You’ll Be Doing * Monitoring Leadership: Lead Capital on Tap's Risk and Compliance Monitoring Plan, sitting in the second line, operating independently from the advisory team. Provide oversight, challenge and governance to the first line. * Risk-Based Plan Design: Design a risk-based monitoring plan. Set the standards for how reviews are scoped, conducted and reported. * Thematic Reviews & Control Tests: Design and conduct thematic reviews and control tests, with particular focus across risk and regulatory compliance, that assess whether first-line risk and compliance controls are working as intended across products, processes and partner banks. * Cross-Team Co-ordination: Co-ordinate monitoring across UK Compliance, Financial Crime and US Compliance teams. Share standards and findings to lift the overall quality bar. * Action Tracking & Closure: Own follow-up of monitoring actions to closure. Surface ageing actions to the Risk Committee and engage the business constructively where actions are not progressing. * Risk Committee Reporting: Produce monitoring reporting for the Risk Committee, senior leadership and partner banks. Translate findings into clear, actionable recommendations the business can implement. * Quality Assurance of Reviews: Quality-assure monitoring reviews carried out by other areas, ensuring independence and consistency of approach. * Business Enablement: Provide pragmatic, business-minded challenge that helps the first line improve controls. We’re Looking For * Independent Monitoring Experience: Hands-on experience owning or running a Compliance Monitoring or independent assurance programme in a UK FCA-regulated firm. Designing and running reviews end-to-end, not just participating in them. * Second-Line Mindset: Proven experience operating in the second line, independent of the first line. Confident providing constructive challenge to the business when controls fall short. * Risk-Based Planning: Track record of building risk-based monitoring plans. * Regulatory Expertise: Solid working knowledge of FCA SYSC and the EMD/PSD regime, applied in practice, not just in theory. * Control Testing: Demonstrable experience designing thematic reviews and control tests, including confidence in analysing data and systems. * Stakeholder Influence: Confident presenting findings and recommendations to senior stakeholders, governance forums and partner banks. * Action Tracking Discipline: Track record of driving monitoring actions to closure, including navigating the harder conversations about ageing actions. * Analytical & Written Communication: Clear, evidence-based reports and policy documents. Nice To Have * FinTech / Payments Background: Experience in an FCA-regulated EMI, payments or banking firm, with recent experience in fraud, safeguarding, or operational resilience is helpful. * Cross-Jurisdictional Monitoring: Experience co-ordinating monitoring across multiple jurisdictions (for example UK and US) or across financial crime and broader compliance. * Professional Qualifications: A recognised qualification such as ICA Diploma in Compliance, ACAMS, IIA, or equivalent. Big 4 or consulting background in financial services compliance or audit 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.)

Allica Bank

About Allica Bank Allica is the UK’s fastest growing company - and the fastest-growing financial technology (Fintech) firm ever. Our purpose is to help established SMEs, one of the last major underserved opportunities in Fintech. Established SMEs are the backbone of local communities - representing over a third of our economy - yet have been largely neglected both by traditional high street banks and modern fintech providers. Department Description Allica’s Risk Department forms the 2nd Line of Defence (2LOD) and provides robust support, insightful challenge, and comprehensive oversight to the dynamic activities of the 1st Line of Defence (1LOD). Unlike traditional 2LOD functions, our team thrives on collaboration and aligning with the bank's strategic objectives in a controlled and risk-conscious manner. We are empowered to support innovative solutions to complex challenges, acting as key facilitators in driving the bank towards success. Role Description This role plays a crucial role in ensuring that credit risks are appropriately monitored and managed. The Credit Quality Assurance Manager is expected to ensure robust support and comprehensive oversight of credit risk management. This involves providing second-line oversight, challenging credit risk management, and assessing the implementation and oversight of credit policy and lending standards. Principal Accountabilities * Develop and implement credit risk assurance plans and methodologies. * Provide oversight and document findings on 1LOD’s compliance with credit policy and lending standards, provide clear recommendations to improve credit processes and support mitigation efforts. * Set governance requirements for credit assurance, including business self-assurance for first-line underwriting teams, and provide regular monitoring and reporting across all portfolios. * Provide an integrated view of the bank’s credit risk profile through the development of comprehensive reporting, assessment of credit quality performance, emerging issues and recommending necessary actions. * Liaise with key business stakeholders to support the maintenance of a credit assurance programme that covers thematic reviews, ad-hoc requests on individual files or portfolios and communicating any material issues and/or non-compliance with approval conditions. * Review and set key assurance risk metrics, including but not limited to credit quality at origination and in-life stewardship, governance for use of delegated lending authorities, issue management, policy compliance and implementation. * Provide independent validation of credit quality across the banks total portfolio and where required be part of the due diligence team for any potential portfolio acquisition. Validation activity should assess the financial and operational performance of new and existing business and compliance with regulatory requirements. Personal Attributes & Experience * Deep understanding of credit risk within the SME markets. * Experience & knowledge of credit risk management frameworks. * Experience of working in a fast-paced environment using credit data, credit policy, lending standards and risk appetite to assess qualitative and quantitative outputs. * Knowledge of risk models such as PD & LGD and an ability to translate outputs into a clear report that can be used with stakeholders. * Knowledge of a bank’s regulatory environment and knowing where to go for guidance and support. * Familiarity with all risk types across a bank and ability to provide reasoned challenge. * You are flexible to adapt quickly to changing priorities within a very dynamic environment and work well with stakeholders across the business. * Established self-starter and ability to work under own guidance. * Collaborative style of working, using the experience of the wider team. #LI-AD1 Working at Allica Bank At Allica Bank we want to ensure our employees have the right tools and environment in which to succeed in their role and in support of our customers. Our employees are at the heart of everything we do, so our benefits are designed with you in mind: * Full onboarding support and continued development opportunities * Options for flexible working * Regular social activities * Pension contributions * Discretionary bonus scheme * Private health cover * Life assurance * Family friendly policies including enhanced Maternity & Paternity leave Don’t tick every box? Don’t worry if you don’t have all the skills or requirements listed on the job description. If you think you’ll be a good fit, we’d still love to hear from you! Flexible working We know the ‘9-to-5’ isn’t right for everyone. That’s why Allica Bank is fully committed to flexible and hybrid working. Please let us know what is best for you and, if we can, we will do our best to accommodate. Diversity We’re a diverse bunch here at Allica, with all kinds of experiences, backgrounds and lifestyles. Our openness and differences make us stronger, and we want everybody to feel comfortable bringing as much of themselves to work with them as they like.

Global Commissioning

About Global Commissioning   Global Commissioning are a specialised consultancy delivering world-class Commissioning Agent, Management, MEP Validation, and Specialist Electrical Services to the global data centre industry. We are experts in commissioning and optimising Hyperscale and COLO/IBX data centres, with extensive experience in process facilities, HV commissioning, and mission-critical infrastructure.   Our strength lies in collaboration, we take an integrated approach to project delivery, ensuring safety, efficiency, and performance excellence. With a proven track record in delivering complex, high-stakes projects, we are your trusted partner for data centre commissioning and operational readiness.   We operate with full tax and visa compliance in all regions where we work, ensuring seamless project execution and adherence to local regulations. With offices across EMEA, we are strategically positioned to support your business wherever you need us.   Role Overview The Lead Commissioning Authority (Lead CxA) oversees and ensures the safe, reliable, and compliant commissioning of mechanical and electrical systems, building control and monitoring systems and critical infrastructure—primarily within mission-critical facilities such as data centres.   This role ensures that all building systems perform according to design intent, owner’s requirements, industry standards, and operational needs.   The Lead CxA leads commissioning delivery across multiple projects, provides technical oversight during all construction phases, and ensures a seamless transition from equipment delivery, through to construction and to live commissioning. Drawing from strong MEP, commissioning, and quality-assurance experience, the Lead CxA acts as a trusted advisor to clients, design teams, and contractors.   Key Responsibilities   Commissioning Leadership & Delivery Lead and manage commissioning processes from pre-design through post-occupancy, ensuring compliance with Owner’s Project Requirements (OPR), Basis of Design (BOD) and design specifications. Oversee functional performance testing for all mechanical, electrical, building control and monitoring systems and life safety systems. Review design documents, submittals, and shop drawings to ensure alignment with commissioning requirements. Develop commissioning strategies, programs, method statements, test scripts, and final reports. Conduct site surveys, progress inspections, and quality audits, reporting findings to project stakeholders. Client & Stakeholder Coordination Act as the primary commissioning interface for clients, general contractors, and design teams. Lead commissioning meetings, workshops, and integrated system testing (IST) coordination sessions. Build strong relationships and ensure clear communication regarding commissioning progress, issues, and risks. Team Management & Oversight Provide technical leadership to Commissioning Engineers and Managers and SME’s (Subject Matter Experts). Mentor and develop junior members of the commissioning team. Ensure all team members are competent, trained, and aligned with quality and safety standards. Quality Assurance & Compliance Ensure commissioning is performed in accordance with statutory, industry, and project-specific standards. Review installation quality and verify that systems are installed and tested to design intent. Implement lessons-learned processes and continuous improvement initiatives across projects. Health & Safety Drive a strong safety culture and always ensure strict adherence to site health and safety protocols.   Qualifications Trade apprenticeship or relevant electrical/mechanical engineering qualification. CSCS / Safe Pass / ECS / SMSTS certification – essential. BEng (Hons) in Mechanical, Electrical, or Building Services Engineering Project management qualification (e.g., Prince2) – advantageous. Skills & Experience Extensive commissioning experience in mission-critical environments (data centres essential). Ideally 4-6 years’ technical experience in design, installation, and commissioning of MEP systems. Strong stakeholder management in term of leading and managing in person meeting with the clients and vendors. Strong understanding of commissioning processes, integrated system testing, and quality assurance. Ability to develop high-quality commissioning documentation: plans, scripts, checklists, and reports. Excellent client-facing skills with the ability to influence and drive decisions. Proficient with Microsoft Office and commissioning management tools. Why Join Us? Be part of a growing consultancy making a global impact in mission-critical industries. Work closely with senior leaders and gain exposure to high-profile international projects. A chance to grow your career in a role that mixes creativity, strategy, and delivery