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# Head of Regulatory Compliance

- **Company:** Ai.
- **Location:** London, UK
- **Experience:** Expert
- **Contract:** Permanent contract
- **Skills:** Artificial Intelligence, Application Integration Architecture
- **Published:** October 4, 2026
- **Apply:** https://startup.jobs/head-of-regulatory-compliance-capital-on-tap-10275326

## About the Role

* 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).

## Description

As Head of Regulatory Compliance, you'll 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. You'll combine regulatory judgement, monitoring craft, and a pragmatic, risk-based approach, * 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 it's hard.
 * Owners and Dates: We don't 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.