Regulatory Compliance Manager

Location: Remote

• Monitor regulatory developments from the FCA and other relevant bodies, and assess their impact on ACEs products, corridors and customer journeys.
• Maintain a regulatory change log mapping new and amended requirements to the business areas they affect, and track implementation through to completion.
• Translate complex regulatory text into clear, practical requirements that business owners can act on.

• Act as the day-to-day regulatory compliance partner for assigned business areas, embedding requirements into existing processes, systems and ways of working rather than adding compliance as a separate step.
• Work with process owners to identify where current controls fall short of regulatory expectations and agree practical, proportionate fixes.
• Support business areas in designing new products, journeys and processes so that regulatory requirements are built in from the outset.

• Draft, review and maintain compliance policies and procedures that reflect current regulatory requirements and ACEs operating model.
• Ensure policies are genuinely operationalised into business-as-usual activity, working with process owners to update SOPs, job aids and system workflows as regulation evolves.
• Review new products, campaigns and customer communications for regulatory compliance, including financial promotions, Consumer Duty and regulatory requirements, before launch.

• Develop and maintain a risk-based Compliance Monitoring Plan covering the business areas and regulatory requirements this role is responsible for embedding.
• Schedule and carry out periodic monitoring reviews to confirm embedded controls continue to operate effectively between formal Compliance Assurance review cycles.
• Report monitoring findings to business owners and senior management, and track remediation of any gaps identified through to closure.

• Design and deliver targeted regulatory training for different business areas, tailored to the risks and requirements relevant to their role.
• Provide day-to-day regulatory advice and interpretation to business stakeholders on new initiatives, queries and edge cases.
• Build regulatory awareness and a culture of compliance by design across the business, rather than compliance as an afterthought.

• Track the progress of embedding activity across business areas and report to senior management on outstanding gaps and remediation timelines.
• Escalate embedding gaps or emerging non-compliance risks promptly, and coordinate remediation plans with business owners.
• Liaise with the Compliance Assurance and Internal Audit teams to validate that embedded controls are operating effectively in practice.

• Bachelors degree in Law, Business, Finance, or a related discipline.
• Minimum 5-7 years of experience in a regulatory compliance, compliance advisory or compliance business partnering role within a regulated financial services environment; payments, e-money or money remittance experience is a strong plus.
• Proven track record of embedding regulatory requirements into operational processes and working directly with business teams to close compliance gaps.
• Strong knowledge of the FCA Handbook (particularly SYSC, DISP and the Principles for Businesses), the Payment Services Regulations 2017, and the Money Laundering Regulations 2017.
• Good working knowledge of the Consumer Duty and Vulnerable Customers guidance, and how they apply to a cross-border payments business.
• Ability to translate complex regulatory requirements into practical, proportionate guidance that business teams can implement.
• Strong stakeholder management and influencing skills, with the ability to build credibility and trust with teams at all levels of seniority.
• Excellent written and verbal communication skills, including experience designing and delivering training.
• Self-motivated, highly organised, and able to manage multiple business relationships and priorities at once.
• Experience in a fintech, data-driven or highly automated environment would be a plus.
• Experience designing and maintaining a risk-based compliance monitoring plan within a regulated financial services environment.
  
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