Compliance Lead

Compliance Lead

📍 London - Hybrid | 💰 £75,000 - £80,000

Why this role exists

Onsi operates in a highly regulated environment where trust, security, and regulatory integrity are foundational to our growth. As we scale our enterprise partnerships and insurance operations across markets, maintaining a robust, scalable compliance and risk framework is critical—not just to meet regulatory expectations, but to enable the business to move with confidence.

This role exists to own enterprise risk, compliance, and legal governance across the business; ensuring we remain compliant, audit-ready, and resilient as we grow across markets.

Why this role matters

As Compliance Lead, you will be a senior steward of Onsi’s regulatory posture. You’ll provide governance, oversight, and assurance—ensuring that compliance, security and legal-related requirements are consistently met across the organisation.

Reporting to the COO, you will partner closely with Engineering, Product (financial and digital), Operations, Information Security, and leadership teams while maintaining independent oversight and challenge. Your focus is not day‑to‑day delivery, but ensuring that what Onsi builds, sells, and operates stands up to regulatory scrutiny and best practice—particularly across financial service regulation, data protection, cybersecurity and operational risk.

Why Onsi, why now

With strategic backing from Zurich Insurance and investors behind Deliveroo, Zoopla, and Delivery Hero, Onsi is entering its next phase of growth. As we scale, we’re intentionally building small, high-impact teams that own real problems end‑to‑end.

Reporting line & team

• Reports to:
  
  COO
• Line management: 1 direct report (Compliance Specialist)
• Operating model:
  You set strategy, priorities, governance and assurance; your Compliance Specialist runs day‑to‑day programme execution (e.g., control testing coordination, evidence collection, documentation maintenance, audit preparation support), working cross‑functionally with Product, Engineering, Ops and Info Sec.

Key Responsibilities

• Enterprise Risk and Compliance Framework
  • Own and evolve a group‑wide compliance and risk framework that supports regulatory compliance, operational resilience, and scale.
  • Define risk appetite/thresholds (where appropriate), maintain the enterprise risk register, and ensure clear escalation and decision‑making pathways.
• Regulatory Engagement & Horizon Scanning (FCA, AFM, DFSA)
  • Act as Onsi's primary compliance interface with regulators (e.g., UK FCA, Dutch AFM and Danish FSA), as appropriate to our operating model and permissions.
  • Lead horizon scanning, regulatory change management, and early response to new or evolving obligations- translating requirements into practical controls and delivery expectations.
• Policy, Controls & Governance Oversight
  • Ensure clear, practical compliance, legal, and security policies are in place, understood, and operating effectively across the business.
  • Establish a governance cadence (forums, reporting, attestations) that provides leadership with clear visibility of compliance posture and issues.
• Audit, Assurance & Due Diligence (Carriers / Lloyd’s / Enterprise / Regulatory)
  • Own readiness for audits and reviews by insurance carriers and Lloyd’s, and support other assurance activity (enterprise security reviews, regulatory reviews, customer due diligence).
  • Set the standard for documentation quality and evidence expectations; ensure controls are demonstrably operating and issues are remediated with pace and rigour.
  • Oversee third‑party and partner risk governance from a compliance, cyber, and legal risk perspective (including outsourced service considerations).
• Insurance Operations Governance
  • Oversee compliance standards, governance protocols, and regulatory obligations relating to insurance operations and partners.
  • Ensure partner expectations and delegated requirements (where applicable) are met and evidenced.
• Delivery Compliance & KYC Oversight
  • Provide oversight of KYC, onboarding, and delivery‑side compliance requirements, ensuring proportionate controls without slowing execution.
  • Ensure ownership is clear across teams and that compliance requirements are embedded early in…