Compliance Officer in England

Stream is on a mission to bring better financial wellbeing to frontline workers. We partner with some of the world’s most famous employers, like Bupa, Burger King, Green King and the mighty NHS to give their teams access to fairer financial services - all built around flexible pay. Over three million people can now choose how often they’re paid, track their shifts and earnings, start saving, use budgeting tools, get free financial coaching, and access fairer financial products. All in one financial wellbeing super-app.

Stream is unique: VC-backed and growing at scale‑up pace, but with a social conscience. Some of the world’s leading financial charities and impact funds were our founding investors, and we operate on a social charter - which means every product we build has to improve financial health and reduce the $5.6bn ‘premium’ lower‑income earners pay for financial services each year. You’d be joining a team of over 200 passionate, ambitious people, across Europe and the USA, building a category‑leading fintech product and all united by that same mission.

Opportunity

Stream is growing! As the Compliance Officer you will have a unique opportunity to be involved in various activities to ensure that Stream is compliant with the requirements and expectations of the regulator (FCA), our clients, our investors, and our users. You will have a good understanding of the requirements of the Consumer Credit Act, the Consumer Duty, and other regulatory requirements.

Team

Reporting to the Director of Compliance and MLRO you will be an integral part of a collaborative team providing Second Line support to various areas of the business to assist in achieving our ambitious goals.

What will you be doing?

• Assist the Director of Compliance to develop and maintain the company compliance framework, policies, and procedures in line with industry best practice and regulatory requirements.
• Reviewing and providing feedback on financial promotions.
• Providing compliance guidance, including on the requirements of the Consumer Credit Act, CONC, and Consumer Duty.
• Complete monitoring reviews and risk assessments of First Line activities, and feedback any findings, tracking actions to closure and re‑assessment where required.
• Devise training for staff on compliance topics and monitor understanding.
• Assist in the compilation of relevant management information and identify and summarise any trends.
• Keep abreast of regulatory developments and industry best practice and communicate these to the relevant business areas.
• Review new relationships, initiatives, and products for regulatory impact.
• Collate Committee information and track outstanding actions/recommendations to satisfactory completion.
• Assist the wider risk and compliance team in general.

What experience might you have?

• 3-5 years experience in a consumer lending environment, with credit cards or unsecured personal loans.
• Inquisitive and truth seeking attitude with an inclination to challenge the status quo.
• Excellent communication skills and ability to collaborate effectively with all levels of the business.
• Strong attention to detail and a high degree of accuracy.
• A proficient understanding of UK financial services regulation and the FCA handbook and publications.

Can‑be‑learnts

• Professional qualifications in Compliance or Financial Crime.

Within 1 month you’ll have:

• An understanding of the Stream mission, product and services.

Within 3 months you’ll have:

• Built a network of key contacts within the business.
• Have taken on ownership for specific compliance tasks.

Within 6 months you’ll have:

• A robust understanding of the Stream framework and strategy.
• Completed allocated key tasks to a high standard.

Working Policy

We operate a hybrid policy with a requirement of 3 days a week in our London office.

Salary

Dependent on experience, from £50,000 to £70,000 & equity.

What will we do for you?

• 25 Days Annual Leave in addition to public holidays (up to 5 day rollover), as well as flexible time off allowances for any ad‑hoc childcare/family/caring needs.
• 24 weeks' paid Maternity Leave and 4 weeks paid Paternity Leave for employees with over 12 months service.
• Special Leave for In Vitro Fertilisation (IVF) and other fertility treatments.
• Sabbatical scheme.
• Paid leave to volunteer.
• Private Healthcare including comprehensive mental and physical healthcare.
• Salary sacrifice to pension, as well as bonus exchange to Pension: reap even more rewards of any bonus by paying into your pension & save on Tax and NI + added compound growth.
• Season Ticket Loan.
• Access to Salary Sacrifice Schemes via ThanksBen: THE Benefits marketplace. Choose the benefits you want, when you want. Pay less tax, receive more value, including: Workplace nurseries, Cycle to Work, Home and Tech Scheme and more.
• The best benefit of all, access to Stream!

At Stream we celebrate and support our differences. We know employing a team rich in diverse thoughts, experiences, and opinions allows our employees, our product and our community to flourish. Stream is an equal opportunity workplace. We are dedicated to equal employment opportunities regardless of race, color, ancestry, religion, sex, national origin, sexual orientation, age, citizenship, marital status, disability, gender identity/expression, or veteran status.

Seniority level: Mid‑Senior level

Employment type: Full‑time

Job function: Other