Director of Compliance

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.)

Payhawk

Company Mission Payhawk is a leading global spend management solution for scaling businesses. Headquartered in London and combining company cards, reimbursable expenses and accounts payable into a single product; its future-facing technology enables finance teams to control and automate company spending at scale. The Payhawk customer base includes fast-growing and mature multinational companies in 32 countries including LuxAir and Wagestream. With offices in New York, London, Berlin, Munich , Barcelona, Paris, Amsterdam, Vilnius and Sofia; Payhawk is backed by renowned investors such as Lightspeed Venture Partners, Greenoaks, QED Investors, Bek Ventures and Eleven Ventures. Our values include supporting flat hierarchies, taking ownership and responsibility, seeking and providing feedback, managing constructive critique, and speaking our minds. We understand that the best ideas don’t all come from the same place, so we encourage diversity and inclusion in all areas of our work. The future of fintech is about more than money, and we believe in work-life balance, continual learning, and empowered teams. We’re also on a journey to measure and improve our environmental and social impact. From virtual cards to digital subscriptions, our software and automation help take paper out of the equation for our customers, too. We’re changing the world of payments, and we’re looking for an exceptional team to help us.      About the Role To support our next phase of growth, we’re looking for a Director of Compliance Operations to lead and scale our KYC and Monitoring teams. This role brings together strong operational leadership and rigorous compliance: your mandate is to run these teams as a high-performing operation, measurable, efficient, and relentlessly optimized, while upholding the highest standards of compliance and keeping our customers’ experience at the center of every decision. You’ll own the performance of onboarding and ODD (KYB for corporate customers) and transaction and card monitoring end to end. That means building the metrics, designing the processes, forecasting the capacity, and driving a talented team to hit ambitious targets, all while reducing manual effort through automation and AI. You’ll be the person who turns compliance operations from a cost center into a competitive advantage: faster onboarding, smarter monitoring, lower cost-per-case, and a better experience for the customer. We seek out top operational talent, and to continue raising the bar we need a leader who is as comfortable reading a throughput dashboard as they are coaching a team lead or challenging a broken process. Key Responsibilities * Lead, scale, and develop the KYC and Monitoring teams, driving them to clear, measurable targets and a culture of ownership and accountability. * Define, build, and own the operational metrics that matter: KPIs, SLAs, quality scores, and productivity benchmarks and use them to manage performance day to day. * Build and maintain FTE forecasting and capacity models, ensuring the team is right-sized for volume growth across markets and product lines. * Relentlessly optimize and re-engineer processes for speed, quality, and cost, removing manual steps and bottlenecks wherever they exist. * Champion automation and the application of AI across onboarding and monitoring workflows, partnering with Product and Engineering to ship tooling that scales the operation without scaling headcount linearly. * Own the selection, performance, and cost of third-party vendors and tooling (screening, identity verification, monitoring, and case management), holding them accountable to clear service and quality standards. * Put customer needs first in every process decision, reducing friction in KYB onboarding and minimizing false positives in monitoring without compromising control. * Own the operational delivery of KYB for corporate customers and ongoing transaction and card monitoring, including alert handling, escalation paths, and SLA management. * Build operations that scale cleanly across multiple entities and jurisdictions, adapting processes to different regulatory regimes while maintaining consistent quality and control. * Ensure the operation is always audit- and regulator-ready, able to stand behind its quality, controls, and documentation in front of auditors, partner banks, and regulators. * Partner cross-functionally with Compliance/MLRO, Risk, Product, Engineering, and Customer-facing teams to align operational delivery with regulatory obligations and business goals. * Report on operational performance to senior leadership, surfacing risks, trends, and the business case for investment. Requirements  * Proven experience leading and scaling operational teams in a high-growth, fast-paced environment, with a strong track record of driving teams to target. * Deep fluency in operational management, building KPIs and SLAs, capacity/FTE forecasting, and managing performance through data. * A relentless focus on process optimization and automation; you instinctively look for what can be removed, streamlined, or automated. * Technically minded, with a strong understanding of how AI and automation can transform operational workflows and the ability to partner credibly with Product and Engineering. * Comfortable being hands-on with data, querying, building dashboards, and digging into the numbers yourself rather than relying on analysts. * Experience owning third-party vendors and tooling, from selection through performance and cost management. * A track record of scaling operations across multiple entities and jurisdictions. * Experience operating in an audit- and regulator-ready environment, comfortable engaging with auditors, partner banks, and regulators. * An excellent people manager who knows how to motivate, coach, and hold a team accountable to high standards. * A customer-first mindset, always weighing how a process change affects the end customer’s experience. * Solid working understanding of KYB processes for corporate customers and of transaction and card monitoring. Company Benefits * 30 days holiday paid leave * Opportunity to use the Payhawk product with a monthly commuting allowance * Health and Fitness membership * Private healthcare * An L&D budget to support continuous development * Exchange policy to another Payhawk office (Amsterdam, Berlin, Paris, Barcelona, London) * Regular team-wide company events Please note that unfortunately we cannot provide visa sponsorship, and to be considered for this role, candidates must be able to provide proof of their eligibility to work in the EU. Payhawk is an Equal Employment Opportunity Employer. Qualified applicants will receive consideration for employment without regard to race, color, religion, sex, sexual orientation, gender perception or identity, national origin, age, marital status, protected veteran status, or disability status.

Pinterest

About Pinterest: Millions of people around the world come to our platform to find creative ideas, dream about new possibilities and plan for memories that will last a lifetime. At Pinterest, we’re on a mission to bring everyone the inspiration to create a life they love, and that starts with the people behind the product. Discover a career where you ignite innovation for millions, transform passion into growth opportunities, celebrate each other’s unique experiences and embrace the flexibility to do your best work. Creating a career you love? It’s Possible. At Pinterest, AI isn't just a feature, it's a powerful partner that augments our creativity and amplifies our impact, and we’re looking for candidates who are excited to be a part of that. To get a complete picture of your experience and abilities, we’ll explore your foundational skills and how you collaborate with AI. Through our interview process, what matters most is that you can always explain your approach, showing us not just what you know, but how you think. You can read more about our AI interview philosophy and how we use AI in our recruiting process here. Role Summary: The Director of Regulatory Compliance is a key strategic member of Pinterest’s Legal & Compliance team leading and strengthening our enterprise regulatory compliance program. This role leads a high-functioning team of compliance specialists responsible for designing, implementing, and overseeing compliance programs related to major platform regulations, including the EU Digital Services Act (DSA), the UK Online Safety Act (OSA), and other emerging global online platform regulatory frameworks. The Regulatory Compliance team is responsible for assessing our compliance risk, driving our audits and risk assessments, documenting and maintaining our control library, and partnering across the business to promote a culture of accountability and integrity.   This leader will own Pinterest’s compliance readiness and execution for regulatory audit, risk assessment, transparency, governance, and assurance obligations. The role requires deep expertise in technology/platform regulation, operational compliance, cross-functional program leadership, and risk governance. The Director will work closely with Legal, Product, Trust & Safety, Public Policy, Internal Audit, Engineering, Data Science, Privacy, Security, and executive stakeholders to ensure regulatory obligations are translated into practical, scalable, and defensible compliance programs.This role reports to Sr. Director & AGC, Privacy, Regulatory & Risk.    What you’ll do: * Lead Pinterest’s regulatory compliance program, strengthening and evolving a durable governance framework, policies, controls, monitoring, reporting, and trainings;  * Using an innovative technology mindset, you will design, develop and operationalize a regulatory compliance program that is AI-forward to accelerate maturity, efficiency and scale.  * Develop and maintain a master control library and requirements library for existing and new regulatory compliance; * Build and oversee ongoing post-implementation compliance, including monitoring controls and organizing other assurance work; * Audit compliance implementation and verify ongoing compliance with approved implementation plans; * Evaluate audit reports, identify potential compliance gaps, and recommend remediation/mitigation strategies where necessary;  * Work closely with Legal SMEs to evaluate enhanced compliance proposals;  * Partner with internal and external auditors to evaluate our compliance measures; * Lead required ad hoc and annual risk assessments and audits, including for the EU Digital Services Act (DSA) and UK Online Safety Act (OSA); * Advise leadership and cross-functional stakeholders on regulatory obligations and compliance risks;  * Support Regulatory Legal on regulatory inquiries and investigations;  * Promote a strong culture of accountability and proactive risk management across Pinterest; * Manage and develop a team of compliance professionals, consultants, and outside counsel. What we’re looking for: * Minimum of 10 years of experience in compliance, legal, risk, audit, or related functions, with significant experience in regulated environments (such as technology, digital platforms, financial services, or healthcare), with in-house legal experience preferred; * Minimum of 5 years of people leadership experience, including managing and mentoring a team, setting clear priorities and expectations, and supporting team growth; * Strong knowledge of regulatory compliance frameworks and control environments;  * Demonstrated ability to interpret complex legal and regulatory requirements and operationalize them effectively;  * Strong experience working cross-functionally across Legal, Internal Audit and Business functions;  * Proven ability to influence senior leaders, drive cross-functional alignment, and manage stakeholders;  * Thought leadership and sound judgment, with an ability to clearly communicate our compliance posture both internally and externally;  * Detail-oriented, comfort managing ambiguity, and ability to pivot quickly amidst multiple priorities in an ever-evolving fast-paced environment;  * Experience building or scaling and maturing compliance programs in a global organization;  * Proficient in conducting risk assessments, control testing, remediation management, and compliance reporting;  * Demonstrated ability to use AI to streamline, scale and evolve the regulatory compliance program;  * Experience with regulations on content moderation, online safety, and/or privacy strongly preferred * J.D. from an accredited law school, or equivalent experience.   Relocation Statement: * This position is not eligible for relocation assistance. Visit our PinFlex page to learn more about our working model.   In-Office Requirement Statement: * We recognize that the ideal environment for work is situational and may differ across departments. What this looks like day-to-day can vary based on the needs of each organization or role. * This role will need to be in the office for in-person collaboration 1-2 times every 6-months and therefore can be situated anywhere in the country.  #LI-REMOTE #LI-MB2 At Pinterest we believe the workplace should be equitable, inclusive, and inspiring for every employee. In an effort to provide greater transparency, we are sharing the base salary range for this position. The position is also eligible for equity. Final salary is based on a number of factors including location, travel, relevant prior experience, or particular skills and expertise. Information regarding the culture at Pinterest and benefits available for this position can be found here. US based applicants only $210,161—$432,684 USD Our Commitment to Inclusion: Pinterest is an equal opportunity employer and makes employment decisions on the basis of merit. We want to have the best qualified people in every job. All qualified applicants will receive consideration for employment without regard to race, color, ancestry, national origin, religion or religious creed, sex (including pregnancy, childbirth, or related medical conditions), sexual orientation, gender, gender identity, gender expression, age, marital status, status as a protected veteran, physical or mental disability, medical condition, genetic information or characteristics (or those of a family member) or any other consideration made unlawful by applicable federal, state or local laws. We also consider qualified applicants regardless of criminal histories, consistent with legal requirements. If you require a medical or religious accommodation during the job application process, please complete this form for support.   By submitting this application, I certify that all information submitted in my application and throughout the hiring process is true, accurate, and complete to the best of my knowledge. I understand that any false statement, omission, or misrepresentation may disqualify me from employment consideration or result in termination if discovered after hire.