We're Capital on Tap ðð3 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. 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. ð Moorgate, London | ð 3-4 Days in Office The RoleAs Head of Regulatory Compliance, you'll report to the Compliance Director and lead a small team covering UK regulatory advice and compliance assurance, and help drive how we adopt and govern AI. You'll combine regulatory judgement, monitoring craft, and a pragmatic, risk-based approachWhat You'll Be Doing ðRegulatory Advice Leadership: Lead the UK regulatory advice function, giving timely, practical advice on FCA rules, Consumer Duty, financial promotions, safeguarding and e-money. Horizon Scanning and Regulatory Change: Oversee regulatory horizon scanning and turn regulatory change into clear actions for the business. Assurance Leadership: Lead the risk-based Risk and Compliance Monitoring Plan as a second-line function, including thematic reviews, control testing and action closure. AI Integration and Governance: Lead the use of AI within compliance, and provide second-line oversight of AI use across the business. Team Leadership and Enablement: Lead, coach and develop the team, and provide pragmatic, business-minded challenge that helps the first line improve controls. Be a Buddy: We tap in from day one to help the team, we do the right thing even if it's hard. Strong working knowledge of FCA SYSC, Consumer Duty and the EMR and PSR regimes, and experience of applying practically with commercial judgement and clear written output. Monitoring Experience: Hands-on experience running a risk-based compliance monitoring or independent assurance programme in a UK FCA-regulated firm, with a second-line mindset and confidence challenging the business constructively. AI Tooling: experience working with AI tooling and deploying AI across Compliance and the wider organisation. Leadership: Experience leading and developing a compliance team. Experience in an FCA-regulated EMI, payments or banking firm, ideally with fraud, safeguarding or operational resilience exposure.(Desirable) Regulatory Engagement and Cross-Jurisdictional Experience: Diversity & Inclusion ðWe welcome, consider and encourage applications from anyone who shares our commitment to inclusivity. Great Work Deserves Great PerksWe 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:ð Private Healthcare including dental and opticians services through Vitality Worldwide travel insurance through Vitalityð Anniversary Rewards (250, 500, 750, 4-week fully paid sabbatical)ð Salary Sacrifice Pension Scheme up to 7% matchð Octopus EV Salary Sacrifice Schemeð 28 days holiday (plus bank holidays)ð Annual Learning and Wellbeing Budgetða Enhanced Parental Leaveð2 Cycle to Work Schemeð Season Ticket Loanð 6 free therapy sessions per yearð¶ Dog Friendly Officesð« Free drinks and snacks in our officesCheck out more of our benefits, values and mission here. Other InfoðCheck out our 'Top Tips' for interviewing.
Regulatory Affairs (Permanent) in London employer: Capital On Tap
At Capital on Tap, we pride ourselves on fostering a dynamic and inclusive work culture that empowers our employees to thrive. As an Associate Legal Counsel in our London office, you will benefit from a hybrid working model, competitive remuneration, and ample opportunities for professional growth within the rapidly evolving Fintech sector. Join us to be part of a collaborative team that values innovation and supports your career development in a meaningful way.
