Regulatory Risk & Compliance Lead (Fixed-Term Contract)

Regulatory Risk & Compliance Specialist - UK

Tide

ABOUT TIDE At Tide, we help SMEs save time and money in the running of their businesses by not only offering business accounts and related banking services, but also a comprehensive set of highly usable and connected administrative solutions, from invoicing to accounting. Tide is transforming the small business banking market and now supports over 2 million members globally across the UK, India, Germany and France. Using advanced technology, all solutions are designed with SMEs in mind. With quick onboarding, low fees and innovative features, we thrive on making data driven decisions to serve our mission: to help SMEs save time and money so they can get back to doing what they love. Tide facts: * Tide is available for UK, Indian, German and French SMEs * Over 2 million members: 900,000 UK and 1,100,000 in India and growing rapidly * Over $300 million raised in funding * Over 2,800 Tideans globally * Recognised with Great Place to Work certification three years in a row, and among India’s Top 50 Best Workplaces in Banking, Financial Services, and Insurance in 2026 * We have offices in Central London, with a member support and technology centre in Sofia, Bulgaria, technology centres in Serbia, Romania, Lithuania and Hyderabad and offices in Gurugram, New Delhi, Berlin, Paris and Luxembourg ABOUT THE TEAM: As a Regulatory Risk & Compliance Specialist - UK, you will play a vital role in ensuring Tide complies with the evolving regulatory requirements set by the FCA and other UK regulators. You will be responsible for identifying, assessing, and mitigating regulatory risks, while ensuring that Tide’s compliance frameworks are embedded across the business.  Working closely with teams across the organisation, including Product, Member Operations, Payments, Marketing, Legal and Finance, you will provide expert advice on regulatory developments, lead compliance initiatives, and integrate regulatory requirements into our day-to-day operations. As the subject matter expert on particular regulations, you’ll help to steer decisions, impact strategies and support the rest of the team and business. At Tide, you’ll be able to work in a fast-paced environment, with cross-team exposure, inquisitive freedom and the ability to impact how Tide conducts its business. ABOUT THE ROLE:  * Provide regulatory guidance on product and service development, conducting compliance assessments for new initiatives * Research regulatory developments in the UK, assess their impact, and advise on necessary actions * Execute the Compliance Monitoring Plan, taking ownership of monitoring activities, addressing findings, and engaging stakeholders as needed * Support regulatory submissions, including licence applications, periodic reports, and responses to regulatory information requests * Ensure accurate and timely regulatory reporting by working closely with business areas and conducting oversight checks where required * Maintain and update compliance policies in line with UK and FCA regulations, tracking required refresh cycles * Support the Regional Director of Risk & Compliance and the Global Director of Compliance in regulatory engagements, strategic planning, and governance * Lead and actively participate in the Regulatory Risk & Compliance working groups, ensuring key issues are identified, addressed, and escalated * Act as a liaison for external partners and service providers on oversight requests and regulatory expectations * Coordinate and deliver compliance and risk-related training across the business * Collect and prepare MI for internal governance reporting and external regulatory submissions * Track regulatory deadlines, file submissions, maintain a log of regulatory interactions, and prepare for meetings and inspections with the FCA and other authorities * Engage with internal teams to respond to compliance-related requests and regulatory inquiries, ensuring cross-functional alignment * Work closely with the 1LOD to remediate regulatory oversight findings and enhance controls * Identify, assess, and monitor regulatory risks, ensuring appropriate mitigation measures are in place * Support internal and external audits, participate in compliance reviews, and oversee effective remediation of findings   WHAT WE ARE LOOKING FOR: * At least four years of experience in Compliance, Regulatory Risk, or Risk Management at a mid level within Financial Services * Direct experience interacting with regulators, handling responses, managing notifications, and supporting regulatory inspections, audits, and thematic reviews * Familiarity with regulatory submissions, licence applications, and reporting * Experience in oversight functions, monitoring key risk indicators (KRIs), and providing Compliance Advisory on new initiatives, products, and services. * Background in Banking, FinTech, Payments/E-Money firms, or Regulatory Consultancy. * Ideally you'll have experience working with firms under the FCA regulations. * Ability to interpret complex regulations, research requirements, and advise internal stakeholders on compliance matters. * Proactive problem solver with a strong sense of ownership and accountability in resolving compliance challenges. * Exceptional organisational skills, managing multiple projects, deadlines, and regulatory engagements effectively. * Meticulous attention to detail, with strong drafting, analytical, and risk assessment skills. * Fluency in English (mandatory)   WHAT YOU’LL GET IN RETURN: Our location-specific employee benefits are designed to cater to the unique needs of Tideans:  * Salary €29200 to €36500 * Time Off – Generous annual leave on top of bank holidays. * Parental Leave – Paid maternity, paternity, and adoption leave to support your family journey. * Sabbatical – Extended unpaid and paid leave options after completing milestone years with Tide. * Health Insurance – Private health insurance with Bulgaria Zdrave, including extra dental care. * Mental Wellbeing – Access to therapy sessions, courses, meditations, and workshop. * Volunteering & Development Days – Paid days annually for volunteering or personal growth. * Learning & Development – Annual budget for books, courses, coaching, and more. * WOO (Work Outside the Office) – Work from abroad for up to 90 days annually. * Home Office Setup – Contribution towards setting up your home office. * Laptop Ownership – Keep your old laptop and get a new one when it’s time for a replacement. * Fully Covered Multi Sports Card – Granting access to hundreds of gyms and pools across Bulgaria. * Monthly Food Vouchers -– Monthly food vouchers to enjoy your favorite meals with Edenred + * Snacks & Meals – Daily breakfast spread with all-day coffee, tea, and juices. TIDEAN WAYS OF WORKING At Tide, we champion a flexible workplace model that supports both in-person and remote work to cater to the specific needs of our different teams.  While remote work is supported, we believe in the power of face-to-face interactions to foster team spirit and collaboration. Our offices are designed as hubs for innovation and team-building, where we encourage regular in-person gatherings to foster a strong sense of community.  TIDE IS A PLACE FOR EVERYONE At Tide, we believe that we can only succeed if we let our differences enrich our culture. Our Tideans come from a variety of backgrounds and experience levels. We consider everyone irrespective of their ethnicity, religion, sexual orientation, gender identity, family or parental status, national origin, veteran, neurodiversity or differently-abled status. We celebrate diversity in our workforce as a cornerstone of our success. Our commitment to a broad spectrum of ideas and backgrounds is what enables us to build products that resonate with our members’ diverse needs and lives.  We are One Team and foster a transparent and inclusive environment, where everyone’s voice is heard.   At Tide, we thrive on diversity, embracing various backgrounds and experiences. We welcome all individuals regardless of ethnicity, religion, sexual orientation, gender identity, or disability. Our inclusive culture is key to our success, helping us build products that meet our members' diverse needs. We are One Team, committed to transparency and ensuring everyone’s voice is heard.   Disclaimer   It has come to our attention that individuals or agencies are falsely claiming to represent Tide and are reaching out to candidates regarding job opportunities. Please be aware that: * Tide does not charge any fees at any stage of the recruitment process. * All official Tide job opportunities are listed exclusively on our Careers Page and applications should be submitted through this channel. * Communication from Tide will only come from an official @tide.co email address. * Tide does not work with agencies or recruiters without prior formal engagement, and we do not authorize third parties to make job offers on our behalf. If you are contacted by anyone misrepresenting Tide or requesting payment, please treat it as fraudulent and report it to us immediately at talent@tide.co Your safety and trust are important to us, and we are committed to ensuring a fair and transparent recruitment process.   Tide leverages AI to enhance our hiring experience. You can read more about how we use AI in our recruitment process in our AI Policy. Your personal data will be processed by Tide for recruitment purposes and in accordance with Tide's Recruitment Privacy Notice.

Treasury Operations Manager

Tide

ABOUT TIDE At Tide, we help SMEs save time and money in the running of their businesses by not only offering business accounts and related banking services, but also a comprehensive set of highly usable and connected administrative solutions, from invoicing to accounting. Tide is transforming the small business banking market and now supports over 2 million members globally across the UK, India, Germany and France. Using advanced technology, all solutions are designed with SMEs in mind. With quick onboarding, low fees and innovative features, we thrive on making data driven decisions to serve our mission: to help SMEs save time and money so they can get back to doing what they love. Tide facts: * Tide is available for UK, Indian, German and French SMEs * Over 2 million members: 900,000 UK and 1,100,000 in India and growing rapidly * Over $300 million raised in funding * Over 2,800 Tideans globally * Recognised with Great Place to Work certification three years in a row, and among India’s Top 50 Best Workplaces in Banking, Financial Services, and Insurance in 2026 * We have offices in Central London, with a member support and technology centre in Sofia, Bulgaria, technology centres in Serbia, Romania, Lithuania and Hyderabad and offices in Gurugram, New Delhi, Berlin, Paris and Luxembourg ABOUT THE TEAM:  The Treasury team acts as 1st LoD and is at the forefront of driving financial excellence and supporting strategic growth. The Treasury team mission is to optimise the company's financial resources and investment, manage financial risks, ensure robust liquidity and effective cash management and comprehensive treasury operations. Moreover the team collaborates closely with the product and business team to align financial strategies with business objectives. By contributing to impactful financial decisions, the Treasury team aims to enable sustainable success and growth. ABOUT THE ROLE:  As a Treasury Operations Manager, you will play a crucial role in the team to maintain our financial health, ensure efficient treasury operations, and drive our growth. As the first hire in our Bulgaria Treasury Operations team, you will play a pivotal role in our EU expansion. Your responsibilities will include: * Cash & Liquidity  management: * Manage and monitor wholesale credit limits to ensure adequate liquidity for operations minimising counterparty risk. * Carry out short term cash flow forecasting and actuals variance analysis across Group accounts  * Collaborate with counterparts on implementation of a Treasury Management System including documenting requirements, design and testing * Evaluate capital requirements, manage FX and optimize returns for short term investments. * Managing relationships with partner banks: * Partner with internal and external stakeholders on the Know Your Customer (KYC) and account management processes. * Ensure all banking relationships comply with regulatory requirements and internal policies. * Payments/transfers execution and collateral management: * Manage payment and transfer activities. * Ensure accuracy, timeliness, and compliance with relevant policies. * Manage collateral requirements, including monitoring collateral positions. * Setup and maintain policies, processes, and procedures: * Identify and implement improvements to ensure efficient processes for Treasury Operations. * Update procedural documentation where required in line with changing regulations and business needs  WHAT WE ARE LOOKING FOR:  Tide is seeking an experienced and motivated Senior Treasury Operations Analyst. The ideal candidate will have: * Minimum of  6 years of experience with Treasury Operations and Cash Management * Prior experience in financial services – preferably in payments, technology-driven & scale-up environments  * Knowledge of cash-flow forecasting, flow of funds and payment systems * Proven ability to manage both BAU and complex projects/initiatives  * Self-starter, strong attention to detail and extreme ownership mentality * Extremely comfortable working with ambiguity * Experience mitigating operational risk * Experience with Cash Management systems * Experience utilising BI reporting tools (Looker/Power BI/Tableau etc) is desirable * Experience working within a dynamic and strong paced environment * Excellent communication and stakeholder management skills WHAT YOU’LL GET IN RETURN: OUR LOCATION-SPECIFIC EMPLOYEE BENEFITS ARE DESIGNED TO CATER TO THE UNIQUE NEEDS OF TIDEANS:  * Salary €35200 to €44000 * Time Off – Generous annual leave on top of bank holidays. * Parental Leave – Paid maternity, paternity, and adoption leave to support your family journey. * Sabbatical – Extended unpaid and paid leave options after completing milestone years with Tide. * Health Insurance – Private health insurance with Bulgaria Zdrave, including extra dental care. * Mental Wellbeing – Access to therapy sessions, courses, meditations, and workshops. * Volunteering & Development Days – Paid days annually for volunteering or personal growth. * Learning & Development – Annual budget for books, courses, coaching, and more. * WOO (Work Outside the Office) – Work from abroad for up to 90 days annually. * Home Office Setup – Contribution towards setting up your home office * Laptop Ownership – Keep your old laptop and get a new one when it’s time for a replacement. * Fully Covered Multi Sports Card – Granting access to hundreds of gyms and pools across Bulgaria * Monthly Food Vouchers - Monthly food vouchers to enjoy your favorite meals with Edenred + * Snacks & Meals – Daily breakfast spread with all-day coffee, tea, and juices TIDEAN WAYS OF WORKING:  AT TIDE, WE CHAMPION A FLEXIBLE WORKPLACE MODEL THAT SUPPORTS BOTH IN-PERSON AND REMOTE WORK TO CATER TO THE SPECIFIC NEEDS OF OUR DIFFERENT TEAMS.  While remote work is supported, we believe in the power of face-to-face interactions to foster team spirit and collaboration. Our offices are designed as hubs for innovation and team-building, where we encourage regular in-person gatherings to foster a strong sense of community.    TIDE IS A PLACE FOR EVERYONE At Tide, we believe that we can only succeed if we let our differences enrich our culture. Our Tideans come from a variety of backgrounds and experience levels. We consider everyone irrespective of their ethnicity, religion, sexual orientation, gender identity, family or parental status, national origin, veteran, neurodiversity or differently-abled status. We celebrate diversity in our workforce as a cornerstone of our success. Our commitment to a broad spectrum of ideas and backgrounds is what enables us to build products that resonate with our members’ diverse needs and lives.  We are One Team and foster a transparent and inclusive environment, where everyone’s voice is heard.   At Tide, we thrive on diversity, embracing various backgrounds and experiences. We welcome all individuals regardless of ethnicity, religion, sexual orientation, gender identity, or disability. Our inclusive culture is key to our success, helping us build products that meet our members' diverse needs. We are One Team, committed to transparency and ensuring everyone’s voice is heard.   Disclaimer   It has come to our attention that individuals or agencies are falsely claiming to represent Tide and are reaching out to candidates regarding job opportunities. Please be aware that: * Tide does not charge any fees at any stage of the recruitment process. * All official Tide job opportunities are listed exclusively on our Careers Page and applications should be submitted through this channel. * Communication from Tide will only come from an official @tide.co email address. * Tide does not work with agencies or recruiters without prior formal engagement, and we do not authorize third parties to make job offers on our behalf. If you are contacted by anyone misrepresenting Tide or requesting payment, please treat it as fraudulent and report it to us immediately at talent@tide.co Your safety and trust are important to us, and we are committed to ensuring a fair and transparent recruitment process.   Tide leverages AI to enhance our hiring experience. You can read more about how we use AI in our recruitment process in our AI Policy. Your personal data will be processed by Tide for recruitment purposes and in accordance with Tide's Recruitment Privacy Notice.

Head of Procurement (FinTech), 12-month Fixed Term Contract

GoHenry

HEAD OF PROCUREMENT (FINTECH), 12-MONTH FIXED TERM CONTRACT GoHenry is a UK-based fintech company created by parents to pioneer financial education. More recently, GoHenry moved into Europe and the US by joining forces with French fintech company PixPay and US investing app, Acorns. Together, Acorns, PixPay, and GoHenry have over 6 million members across 5 countries. We are focused on empowering families with engaging money management tools, educational content, and a seamless product experience that creates financial well-being from birth to adulthood. Join us on our mission to make every kid smart with money! We are looking for a sharp, agile, and forward-thinking strategic Head of Procurement to own and enhance our procurement related processes. As the Gohenry Head of Procurement, you won’t just help with managing costs; you will be a strategic business partner responsible for managing commercial contract negotiations and oversight of governance relative to our existing vendor base. You will oversee the end-to-end procurement and vendor governance lifecycle for material categories, including cloud infrastructure, SaaS, third-party APIs, and professional services. You will bridge the gap between our internal support functions to ensure we partner with top-tier vendors that match our speed, culture, and regulatory standards, while iterating the third-party risk management framework the business requires. WHAT YOU WILL DO AT GOHENRY: * Category Management & Sourcing: Lead end-to-end strategic sourcing initiatives for IT, Software-as-a-Service (SaaS), AWS/GCP cloud infrastructure, data feeds, and specialised FinTech tooling. * Material Vendor Negotiation: Working with the GoHenry Legal Team and vendor account owners to commercialise and negotiate complex, multi-year vendor contracts to maximise value, ensure scalability, and protect the company bottom line. * Risk & Compliance Collaboration: Partner closely with Information Security (InfoSec), Operational Risk, and Legal teams to ensure all vendors comply with applicable regulatory requirements, including FCA rules and guidance, e-money regulations, operational resilience requirements, and supporting standards such as PCI-DSS and SOC2. * Stakeholder Alignment: Act as a trusted advisor to Engineering, Product, and Executive teams, transforming their requirements into commercial agreements. * Supplier Relationship Management (SRM): Develop and track vendor KPIs and SLAs, ensuring critical partners deliver on their promises and continuously innovate alongside our Product, Tech and Ops teams. * Process Optimisation: Help iterate and automate our procurement infrastructure, implementing modern tooling to move away from legacy approval chains. * Third-Party Risk Management (TPRM): Formalise and own GoHenry's TPRM framework, including vendor risk tiering, onboarding due diligence, ongoing monitoring, and board-level reporting on vendor risk. * Vendor Resilience & Continuity: Identify single-point-of-failure vendor dependencies, develop contingency and exit strategies for critical suppliers, and maintain an up-to-date vendor contingency risk map. * Vendor Governance Lifecycle: Own the full vendor governance lifecycle end-to-end, including contract renewals and regulatory-driven vendor assessments. WHAT YOU WILL BRING TO GOHENRY: (REQUIREMENTS) * Experience: 6+ years of experience in strategic procurement, strategic sourcing, or vendor management—ideally within a regulated Tech, SaaS, or FinTech or or financial services environment. * The FinTech Mindset: You understand that "speed to market" is just as important as "cost savings." You see your role as a partnership with other teams and you use those relationships with both internal teams and vendors to unblock bottlenecks without cutting corners on compliance. * Master Negotiator: A proven track record of dismantling complex pricing models and successfully negotiating with tech vendors. * Analytical Rigor: Strong financial acumen; ability to build TCO (Total Cost of Ownership) models and ROI analyses. * Communication: Strong interpersonal skills. You can speak "developer" to the engineering team and "ROI" to the CFO. * TPRM Expertise: Direct experience iterating or operating a third-party risk management framework (ideally in a regulated financial services environment), including vendor risk tiering, due diligence, and ongoing monitoring. NICE-TO-HAVES * Experience navigating financial and regulatory audits. * Familiarity with modern procurement and spend-management software. * Professional certifications (e.g., CIPS, CPSM). * Working knowledge of FCA regulatory expectations for outsourcing and third-party risk management, including the FCA's operational resilience framework. What’s in it for you? All the essentials you would expect, including a workplace pension plan, 33 days of holiday (including public holidays), & great company events local & abroad! Other Offers: * GoFlex - Work from Home, Office, or a mix of both * Your Birthday Day off * 25 days annual leave, in addition to 8 UK bank holidays * An excellent Induction & onboarding program with ongoing learning & development throughout your career * A choice between Bupa Health Cash Plan or Bupa Private Medical * Death in service – 4x your annual salary from month 1 * Physical and Mental Wellbeing support and platforms for you and your family * Family-friendly leave policies * Enhanced maternity leave – 20 weeks full basic pay after 2 years’ service and 26 weeks full basic pay after 3 years’ service * Paternity leave – 4 weeks full pay after probation * Salary Sacrifice options About GoHenry We’re on a mission to help every kid be smart with money. Our goal? Create generations of independent, confident young adults, armed with money skills that will set them up for life. How we do it: We place the power in the hands of young people, giving them the tools they need to master the financial ropes for themselves. They can spend, save, earn, and give with GoHenry’s prepaid debit card and app – because learning through doing really works (and it’s more fun!). All while our unique built-in controls give parents total peace of mind. We’re proud to say... * We ranked #38 in Newsweek's Top 100 Most Loved Workplaces in the UK in 2023 * We’re one of Tech Track’s top 50 fastest-growing UK companies. * We won Finders Kid’s Cards Customer Satisfaction Awards in 2022 and 2023. * We won the Tech for Good award at the Better Society Awards 2023 * Our kids and parents have donated over £500,000 of their own money to NSPCC via their GoHenry accounts But we’re still growing, and that’s why we need you. GoHenry is an equal-opportunity employer, and we’re on a mission to foster a diverse & inclusive workplace. Individuals seeking employment at GoHenry are considered without regard to race, religion, national origin, age, sex, gender, gender identity, gender expression, sexual orientation, marital status, medical condition, ancestry, physical or mental disability, military or veteran status, or any other characteristic protected by applicable law.