About Tide

At Tide, we are building a financial platform designed to save small and medium-sized businesses time and money. We provide our members with business accounts and related services, including Cards, POS terminals, Credit services, Expense Cards invoicing and accounting tools and many more. Our vision is to become the world's leading FinTech Platform. We're not just building technology and great products, we're empowering people to make informed business decisions and lifting generations of hard working entrepreneurs.

Founded in 2015, Tide is now the leading business financial platform in the UK with 550,000 SME members (10% market share) and more than 150,000 SMEs in India. Headquartered in London, Tide has nearly 1,500 Tideans across the UK, Bulgaria, India, Serbia, Romania, Ukraine and Germany.

Tide is rapidly growing, expanding into new markets and always looking for passionate and driven people. Join us in our mission to enable small businesses to save time and money and do what they love.

What we’re looking for:

We are looking for a Regulatory Risk & Compliance Specialist, who will be a vital member of Tide’s dynamic Compliance team. As a Regulatory Risk & Compliance Specialist at Tide you’ll assist the Compliance team in several tasks and be able to cause a significant impact on different projects across the business. You’ll do so by getting involved in projects and initiatives requiring Regulatory Compliance input, such as involvement in regulatory reporting; providing corporate compliance support; answering general business queries and assisting with regulatory returns.You’ll assist the Compliance Team in advising other business areas and liaising with multiple stakeholders across the business to ensure they get the support needed from the Compliance Team.You will often participate (and lead) in regulatory research, where the team seeks compliant solutions to certain matters. On these occasions, your opinion will be precious, and you’ll be part of the decision-making process around the official Compliance Response to those issues.As the subject matter expert on particular regulations, you’ll help to steer decisions, impact strategies and support the rest of the team and business. At Tide, you’ll be able to work in a fast-paced environment, with cross-team exposure, inquisitive freedom and the ability to impact how Tide conducts its business.

As a Regulatory Risk & Compliance Specialist you'll be :

• Assisting in executing the compliance monitoring plan, being responsible for the monitoring and actions or engaging others where necessary.
• Researching regulations and regulatory changes and helping assess the impact on Tide.
• Working with business areas to prepare regulatory reports and to respond to regulatory requests for information inclusive of oversight checks.
• Working with business areas to research regulatory requirements in support of product or service development.
• Keeping policies across the business up to date and tracking where refreshers are required.
• Supporting the Head of Compliance and the Regulatory Risk & Compliance Manager.
• Participating in and driving meetings of the working group responsible for Regulatory Risk & Compliance.
• Liaison point for our partners with oversight requests.
• Coordinating risk and compliance-related training.
• Engaging with other teams to collect and prepare MI to be provided to internal or external stakeholders.
• Tracking regulatory deadlines, filing submissions, maintaining a log of contact with regulators, and helping prepare for regulatory meetings and visits.
• Interacting directly with other teams to monitor internal requests & demands
• Maintaining incident management and FCA Communication logs.
• Work with the 1LOD to remediate regulatory oversight findings.
• Be involved in the identification, rating and monitoring of regulatory risks.
• Participating in audit exercises and the completion of remediation actions from audits.

What makes you a great fit:

• You have a minimum of 4 years of work experience in a Compliance/Risk role at a senior level.
• You possess up-to-date knowledge of Payment and Open Banking regulations, such as UK Payment Service Regulations 2017 (or equivalent in another EU State), the Payment Services Directive 2 (PSD2) and the OBIE/EBA Guidelines.
• You possess up-to-date knowledge of Credit Broking regulations and guidelines within the UK financial services environment.
• You have prior experience in dealing with regulatory bodies such as the UK Financial Conduct Authority or its equivalent in another EU State, including submissions of applications and regulatory reports.
• You have prior experience working in a FinTech organisation.
• You are preferred if you are familiar with Credit Broking regulations and guidelines.
• You are comfortable interpreting regulations and knowing where to search for regulations.
• You have a can-do, firm and proactive attitude. You’ll often be required to interact directly with other teams to chase/monitor internal requests and demands.
• You are highly organised and can prioritise workload working to tight deadlines.

What you’ll get in return

• A competitive salary
• 25 days holiday with the option to take 5 extra days of unpaid leave per year
• 3 days paid volunteering or L&D time off per year
• Personal L&D budget of £1,000 professional L&D budget per year
• Group Life Insurance, Vitality Health and Dental Insurance
• Spacious brand-new office by Old Street station with an all-day snacks bar
• Enhanced family-friendly leave
• Access to a global mental wellbeing platform that provides 1:1 video therapy sessions with accredited therapists and unlimited chat therapy sessions
• Work from home budget
• Team socials - virtual and physical events
• Sabbatical leave

Tidean Ways of Working

Make work, work for you! Tide embraces and supports flexible working arrangements. We are a remote-first business that enables its employees to work remotely from anywhere in their home country. Additionally, Our Working Outside the Office (WOO) policy allows you to work from anywhere in the world, up to 90 days per year per country.

We are remote-first, but when you do want to meet new people, collaborate with your team or simply hang out with your colleagues, our offices are always available and equipped to the highest standard. We offer flexible working hours and trust our employees to do their work well, at times that suit them and their team.

Tide is a place for everyone

At Tide, we believe that we can only succeed if we let our differences enrich our culture. Our Tideans come from a variety of backgrounds and experience levels. We consider everyone irrespective of their ethnicity, religion, sexual orientation, gender identity, family or parental status, national origin, veteran, neurodiversity status or disability status. We celebrate diversity in our workforce as a cornerstone of our success. Our commitment to a broad spectrum of ideas and backgrounds is what enables us to build products that resonate with our members’ diverse needs and lives.

We are One Team and foster a transparent and inclusive environment, where everyone’s voice is heard.

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