Head of Regulatory Compliance

Were Capital on Tap
Capital on Tap started because small businesses were underserved. Big banks were slow their products werent fit for purpose and small business owners often couldnt access what they needed. We set out to fix that.

Today were 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.

1000 employees 20bn in annual card spend 200000 customers 17000 Trustpilot reviews averaging 4.7 stars and were profitable. Weve done a pretty good job so far but were just getting started!

Moorgate London 3-4 Days in Office

The Role

As Head of Regulatory Compliance youll 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. Youll combine regulatory judgement monitoring craft and a pragmatic risk-based approach

What Youll Be Doing

• Regulatory 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.

Our Values & Culture

• Just Pilot: We never settle for good enough. We pilot new ideas fast ask questions to figure it out and scale quickly.
• Why Not Today Fast is as slow as we go - speed and simplicity gives us a competitive advantage.
• Be a Buddy: We tap in from day one to help the team we do the right thing even if its hard.
• Owners and Dates: We dont chase people. If you own a task and agree to a date the expectation is that it gets done.
• Feedback: We want our employees to flourish so we regularly provide direct and constructive feedback.

Were Looking For

• Regulatory Expertise: 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.
• Stakeholder Influence and Communication: Comfortable presenting to senior stakeholders governance forums and partner banks with clear evidence-based reports.
• (Desirable) FinTech / Payments Background: 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: Experience engaging directly with the FCA or co-ordinating across jurisdictions (for example UK and US).

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
Anniversary Rewards (-week fully paid sabbatical)
Salary Sacrifice Pension Scheme up to 7% match
Octopus EV Salary Sacrifice Scheme
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
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Excited to work here Apply!
If youd 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.)