Capital on Tap - Risk & Compliance Assurance Manager

London - Hybrid1w ago

In Office EMEA Banking Fintech Compliance Manager Documentation Risk Management Reporting ACCA Regulatory Compliance Quality Assurance Governance

Requirements

• Second-Line Mindset: Proven experience operating in the second line, independent of the first line. Confident providing constructive challenge to the business when controls fall short. • Second-Line Mindset: • Risk-Based Planning: Track record of building risk-based monitoring plans. • Risk-Based Planning: • Regulatory Expertise: Solid working knowledge of FCA SYSC and the EMD/PSD regime, applied in practice, not just in theory. • Regulatory Expertise: • Control Testing: Demonstrable experience designing thematic reviews and control tests, including confidence in analysing data and systems. • Control Testing: • Stakeholder Influence: Confident presenting findings and recommendations to senior stakeholders, governance forums and partner banks. • Stakeholder Influence • Action Tracking Discipline: Track record of driving monitoring actions to closure, including navigating the harder conversations about ageing actions. • Action Tracking Discipline • Analytical & Written Communication: Clear, evidence-based reports and policy documents. • Analytical & Written Communication: • FinTech / Payments Background: Experience in an FCA-regulated EMI, payments or banking firm, with recent experience in fraud, safeguarding, or operational resilience is helpful. • FinTech / Payments Background • Cross-Jurisdictional Monitoring: Experience co-ordinating monitoring across multiple jurisdictions (for example UK and US) or across financial crime and broader compliance. • Cross-Jurisdictional Monitoring • Professional Qualifications: A recognised qualification such as ICA Diploma in Compliance, ACAMS, IIA, or equivalent. Big 4 or consulting background in financial services compliance or audit 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. • Diversity & Inclusion

Responsibilities

• Monitoring Leadership: Lead Capital on Tap's Risk and Compliance Monitoring Plan, sitting in the second line, operating independently from the advisory team. Provide oversight, challenge and governance to the first line. • Monitoring Leadership: • Risk-Based Plan Design: Design a risk-based monitoring plan. Set the standards for how reviews are scoped, conducted and reported. • Risk-Based Plan Design: • Thematic Reviews & Control Tests: Design and conduct thematic reviews and control tests, with particular focus across risk and regulatory compliance, that assess whether first-line risk and compliance controls are working as intended across products, processes and partner banks. • Thematic Reviews & Control Tests: • Cross-Team Co-ordination: Co-ordinate monitoring across UK Compliance, Financial Crime and US Compliance teams. Share standards and findings to lift the overall quality bar. • Cross-Team Co-ordination: • Action Tracking & Closure: Own follow-up of monitoring actions to closure. Surface ageing actions to the Risk Committee and engage the business constructively where actions are not progressing. • Action Tracking & Closure: • Risk Committee Reporting: Produce monitoring reporting for the Risk Committee, senior leadership and partner banks. Translate findings into clear, actionable recommendations the business can implement. • Risk Committee Reporting: • Quality Assurance of Reviews: Quality-assure monitoring reviews carried out by other areas, ensuring independence and consistency of approach. • Quality Assurance of Reviews: • Business Enablement: Provide pragmatic, business-minded challenge that helps the first line improve controls. • Business Enablement: • We’re Looking For • We’re Looking For • Independent Monitoring Experience: Hands-on experience owning or running a Compliance Monitoring or independent assurance programme in a UK FCA-regulated firm. Designing and running reviews end-to-end, not just participating in them.

Benefits

• Check out more of our benefits, values and mission here. • Other Info👍Check out our ‘Top Tips’ for interviewing.✔️Keep updated on new job opportunities by following us on Linkedin.📧Email [email protected] if you have any questions. • Other Info • Excited to work here? Apply!If you’d 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.) • Excited to work here? Apply!