At a Glance
- Tasks: Lead and design compliance monitoring plans to ensure risk management and regulatory adherence.
- Company: Fast-growing FinTech company focused on innovation and compliance.
- Benefits: Private healthcare, 28 days holiday, learning budget, and a dog-friendly office.
- Other info: Join a diverse team committed to inclusivity and personal growth.
- Why this job: Make a real impact in a dynamic environment while enhancing your leadership skills.
- Qualifications: Experience in compliance monitoring within FCA-regulated firms and strong analytical skills.
The predicted salary is between 70000 - 90000 £ per year.
The Risk & Compliance team is the second line of defence at Capital on Tap, working at the intersection of regulation, product and business growth. In the role of Risk & Compliance Assurance Manager you will develop the compliance monitoring plan, coordinate with other second line teams, maintain monitoring best practice, and independently test how well the business is managing risk and complying with the rules. Your oversight, challenge and governance will give the Risk Committee, regulators and partner banks confidence that controls are working as intended.
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 will 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. This is a hybrid role, with a minimum of three days a week in our London office.
What You'll Be Doing
- Lead Capital on Tap’s Risk and Compliance Monitoring Plan, providing oversight, challenge and governance to the first line.
- Design a risk‑based monitoring plan and set the standards for how reviews are scoped, conducted and reported.
- Design and conduct thematic reviews and control tests, focusing on risk and regulatory compliance, to assess whether first‑line controls are working as intended across products, processes and partner banks.
- Coordinate monitoring across UK Compliance, Financial Crime and US Compliance teams and share standards and findings to raise overall quality.
- Own the follow‑up of monitoring actions to closure, surface ageing actions to the Risk Committee and engage the business constructively where actions are not progressing.
- Produce monitoring reporting for the Risk Committee, senior leadership and partner banks, translating findings into clear, actionable recommendations the business can implement.
- Quality‑assure monitoring reviews carried out by other areas, ensuring independence and consistency of approach.
- Provide pragmatic, business‑mindful challenge that helps the first line improve controls.
We're Looking For
- Independent monitoring experience, owning or running a compliance monitoring or independent assurance programme in a UK FCA‑regulated firm.
- Second‑line mindset, with proven experience operating independently of the first line.
- Track record of building risk‑based monitoring plans.
- Solid working knowledge of FCA SYSC and the EMD/PSD regime, applied in practice.
- Demonstrable experience designing thematic reviews and control tests, and analysing data and systems.
- Confidence presenting findings and recommendations to senior stakeholders, governance forums and partner banks.
- Track record of driving monitoring actions to closure, including navigating the harder conversations about ageing actions.
- Clear, evidence‑based reports and policy documents.
Nice To Have
- FinTech or payments background, especially experience in an FCA‑regulated EMI, payments or banking firm with recent experience in fraud, safeguarding or operational resilience.
- Experience coordinating monitoring across multiple jurisdictions, such as UK and US, or across financial crime and broader compliance.
- Professional qualifications such as ICA Diploma in Compliance, ACAMS, IIA or equivalent.
- A Big 4 or consulting background in financial services compliance or audit is 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
- 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.
- Six free therapy sessions per year.
- Dog friendly offices.
- Free drinks and snacks in our offices.
Risk & Compliance Assurance Manager employer: Capital on Tap
At Capital on Tap, we pride ourselves on being an exceptional employer that fosters a dynamic and inclusive work culture. As a Risk & Compliance Assurance Manager, you will not only lead critical compliance initiatives but also benefit from our comprehensive perks, including private healthcare, generous holiday allowances, and a commitment to employee growth through learning budgets and professional development opportunities. Our London office offers a vibrant environment where your expertise will directly contribute to our fast-growing FinTech landscape, ensuring that you play a pivotal role in shaping the future of risk management.
StudySmarter Expert Advice🤫
We think this is how you could land Risk & Compliance Assurance Manager
✨Join Compliance Communities
Get involved in compliance and risk communities — both online and offline. Look for forums, LinkedIn groups, or even local meetups where compliance pros hang out. You never know who might drop a job opportunity your way!
✨Attend Industry Conferences
Keep an eye out for compliance and risk management conferences and workshops in your area. These events are a goldmine for networking, and they often have job boards or recruiters on-site looking for new talent. Plus, it’s a chance to learn what's trending in the field.
✨Leverage Your University Career Services
If you’ve recently graduated or are still studying, head over to your university's career services. Many companies, including those in compliance, actively recruit fresh talent through these services, so make sure you tap into that resource.
✨Showcase Your Knowledge Online
Start writing articles or blog posts about compliance topics that interest you. Share them on platforms like LinkedIn to demonstrate your knowledge and passion. This not only builds your presence in the field but can also catch the attention of companies like Capital on Tap looking for candidates who are engaged and informed.
We think you need these skills to ace Risk & Compliance Assurance Manager
Some tips for your application 🫡
Show Your Understanding of Compliance:In the compliance-risk field, it's super important to showcase your understanding of regulations and risk management frameworks. Highlight any relevant coursework, certifications (like ICA or AML), or even projects that demonstrate your knowledge and commitment to this area. We want to see how you can navigate this complex landscape!
Quantify Your Achievements:When detailing your experience, try to quantify your achievements. For example, if you've previously worked on a project that improved compliance metrics or reduced risk exposure, give us the numbers! This data-driven approach really stands out to hiring managers in compliance-risk roles.
Tailor Your CV to Reflect Relevant Skills:Make sure your CV highlights skills that are particularly relevant to compliance, like attention to detail, analytical thinking, and report writing. Ensure these are easy to spot – consider using bullet points to break down your responsibilities and achievements for maximum impact!
Craft a Motivating Cover Letter:In your cover letter, let us know why you’re excited about the compliance-risk role at Capital on Tap. Share what motivates you about compliance, and how you believe you can contribute to our mission. This is your chance to showcase not only your skills but also your passion for this important field!
How to prepare for a job interview at Capital on Tap
✨Master the Regulations
Brush up on key compliance regulations relevant to the industry you're applying to. Familiarising yourself with specific laws and frameworks used in your field will give you an edge during technical questions. Show that you’re not just aware of them but can also apply them—think real-life scenarios!
✨Show Your Analytical Skills
Compliance roles really focus on analytical skills, so be prepared for case studies or situational questions during the interview. We've got to demonstrate how we approach risk assessments or compliance audits, possibly drawing on examples from past experiences or university projects. Bring some thoughtful case scenarios to discuss!
✨Know Your Tools
Get comfortable with commonly used compliance software and tools. Familiarity with platforms like RSA or MetricStream can really impress during your interview, as it shows you're ready to hit the ground running. If you’ve had any experience with them, make sure to highlight that!
✨Align with Company Culture
Since it's a full-time position, show your long-term commitment and interest in the company’s mission and values. Dive into how your ethics and professional philosophy align with Capital on Tap’s stance on compliance. A shared vision can really resonate with interviewers looking for fit as much as skill!
