Regulatory Risk & Compliance Manager

ABOUT TIDEAt Tide, we help SMEs save time and money in the running of their businesses by not only offering business accounts and related banking services, but also a comprehensive set of highly usable and connected administrative solutions, from invoicing to accounting.

Tide is transforming the small business banking market and now supports over 2 million members globally across the UK, India, Germany and France.

Using advanced technology, all solutions are designed with SMEs in mind. With quick onboarding, low fees and innovative features, we thrive on making data driven decisions to serve our mission: to help SMEs save time and money so they can get back to doing what they love.

Tide facts:

Tide is available for UK, Indian, German and French SMEsOver 2 million members across UK and India Over $300 million raised in funding

Over 2,800 Tideans globally

Recognised with Great Place to Work certification three years in a row, and among India’s Top 50 Best Workplaces in Banking, Financial Services, and Insurance in 2026

We have offices in Central London, with a member support and technology centre in Sofia, Bulgaria, technology centres in Serbia, Romania, Lithuania and Hyderabad and offices in Gurugram, New Delhi, Berlin, Paris and Luxembourg ABOUT THE TEAM:

We are pleased to have a dynamic, forward-thinking group of professionals, deeply committed to supporting Tide in its growth while maintaining the highest standards of regulatory compliance and risk management. We have great cross-collaboration both within and outside the team and we pride ourselves on our team culture, ways of working and the support we provide to each other and to the business.

If joining the Compliance Team, you will be part of a supportive and knowledgeable group, with opportunities to work on complex, high-impact projects that contribute directly to Tide's success and growth. You'll be encouraged to bring new ideas, challenge the status quo, and take ownership of key compliance initiatives.

ABOUT THE ROLE:

As Regulatory Risk & Compliance Manager - UK, you will play a vital role in ensuring Tide complies with the evolving regulatory requirements set by the FCA and other UK regulators, with particular ownership of Tide's e-money and payments compliance. You will advise the business on what it can and cannot do under Tide's e-money permission, identify, assess, and mitigate regulatory risk, and ensure that Tide's compliance frameworks are embedded across the business.

You will sit alongside two other UK Compliance colleagues, reporting directly to the Global Director of Compliance, and will provide regulatory compliance support more broadly across the business as needed.

Working closely with teams across the organization, including Product, Member Operations, Payments, Marketing, Legal and Finance, you will provide expert advice on regulatory developments, lead compliance initiatives, and integrate regulatory requirements into our day-to-day operations.

As the subject matter expert on e-money and payments regulation, 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 Regulatory Risk & Compliance Manager you will:

Advise on the scope of Tide's e-money permission, and lead compliance with the Electronic Money Regulations 2011 and Payment Services Regulations 2017, including related regulatory submissions and notifications.

Lead engagement on FCA correspondence, submissions, inspections, and thematic reviews.

Own horizon scanning and regulatory mapping for UK payments-related developments, assessing impact and advising on necessary action.

Execute the Compliance Monitoring Plan, taking ownership of monitoring activities, addressing findings, and engaging stakeholders as needed.

Provide regulatory compliance support to other risk areas of Tide, such as Financial Crime, Operational, Information Security, Conduct.

Maintain and update compliance policies in line with UK and FCA regulations, tracking required refresh cycles.

Support the Global Director of Compliance in regulatory engagements, strategic planning, and governance.

Lead and actively participate in the Regulatory Risk & Compliance working group, ensuring key issues are identified, addressed, and escalated.

Coordinate and deliver compliance and risk-related training across the business, particularly on…