We're Capital on Tap Capital on Tap started because small businesses were underserved. Big banks were slow, their products weren't fit for purpose, and small business owners often couldn't access what they needed. We set out to fix that.

Today we're a financial platform - not just a credit card company. We offer a best-in-class business credit card, SME-focused spend management platform, a savings product that hit £1 billion in funds within its first year, and a growing suite of tools and financial products that make running a small business easier.

1,000+ employees, £20bn in annual card spend, 200,000+ customers, 17,000+ Trustpilot reviews averaging 4.7 stars, and we're profitable. We've done a pretty good job so far, but we're just getting started!

This is a Hybrid role, with a minimum of 3 days a week in our London office.

Risk & Compliance at Capital on Tap The Risk & Compliance team is the second line of defence at Capital on Tap, working at the intersection of regulation, product and business growth. As our Risk & Compliance Assurance Manager, you'll develop the compliance monitoring plan, co-ordinating with other second line teams, develop and maintain monitoring best practice, and independently test how well the business is managing risk and complying with the rules, providing oversight, challenge and governance that gives the Risk Committee, regulators and partner banks confidence that controls are working as intended.

The Role
This is a senior leadership role for someone who has built and run an independent monitoring programme before and wants to do it again at a fast-growing FinTech. You'll own the Risk and Compliance Monitoring Plan, design the thematic reviews and control tests that pressure-test first-line controls, and lead the follow-up of actions to closure. The ideal candidate will combine significant monitoring expertise, analytical judgement, and a pragmatic, problem-solving and risk-based approach.

What You'll Be Doing

• Monitoring Leadership: Lead Capital on Tap's Risk and Compliance Monitoring Plan, sitting in the second line, operating independently from the advisory team. Provide oversight, challenge and governance to the first line.
• Risk-Based Plan Design: Design a risk-based monitoring plan. Set the standards for how reviews are scoped, conducted and reported.
• Thematic Reviews & Control Tests: Design and conduct thematic reviews and control tests, with particular focus across risk and regulatory compliance, that assess whether first-line risk and compliance controls are working as intended across products, processes and partner banks.
• Cross-Team Co-ordination: Co-ordinate monitoring across UK Compliance, Financial Crime and US Compliance teams. Share standards and findings to lift the overall quality bar.
• Action Tracking & Closure: Own follow-up of monitoring actions to closure. Surface ageing actions to the Risk Committee and engage the business constructively where actions are not progressing.
• Risk Committee Reporting: Produce monitoring reporting for the Risk Committee, senior leadership and partner banks. Translate findings into clear, actionable recommendations the business can implement.
• Quality Assurance of Reviews: Quality-assure monitoring reviews carried out by other areas, ensuring independence and consistency of approach.
• Business Enablement: Provide pragmatic, business-minded challenge that helps the first line improve controls.

We're Looking For

• Independent Monitoring Experience: Hands-on experience owning or running a Compliance Monitoring or independent assurance programme in a UK FCA-regulated firm. Designing and running reviews end-to-end, not just participating in them.
• Second-Line Mindset: Proven experience operating in the second line, independent of the first line. Confident providing constructive challenge to the business when controls fall short.
• Risk-Based Planning: Track record of building risk-based monitoring plans.
• Regulatory Expertise: Solid working knowledge of FCA SYSC and the EMD/PSD regime, applied in practice, not just in theory.
• Control Testing: Demonstrable experience designing thematic reviews and control tests, including confidence in analysing data and systems.
• Stakeholder Influence: Confident presenting findings and recommendations to senior stakeholders, governance forums and partner banks.
• Action Tracking Discipline: Track record of driving monitoring actions to closure, including navigating the harder conversations about ageing actions.
• Analytical & Written Communication: Clear, evidence-based reports and policy documents.

Nice To Have

• FinTech / Payments Background: Experience in an FCA-regulated EMI, payments or banking firm, with recent experience in fraud, safeguarding, or operational resilience is helpful.
• Cross-Jurisdictional Monitoring: Experience co-ordinating monitoring across multiple jurisdictions (for example UK and US) or across financial crime and broader compliance.
• Professional Qualifications: A recognised qualification such as ICA Diploma in Compliance, ACAMS, IIA, or equivalent. Big 4 or consulting background in financial services compliance or audit also welcome.

Diversity & Inclusion
We welcome, consider and encourage applications from anyone who shares our commitment to inclusivity. Join us in creating a space where authenticity thrives, and everyone can do their best work.

Great Work Deserves Great Perks
We try not to take ourselves too seriously (all the time) so we make sure our office is decked out with a pool table, arcade machine, beer tap, and a couple of office dogs thrown in for good measure. Check out our benefits:
Private Healthcare including dental and opticians services through Vitality
Worldwide travel insurance through Vitality
Access to a women's health platform via Hertility
Anniversary Rewards (£250, £500, £750, 4-week fully paid sabbatical)
Salary Sacrifice Pension Scheme up to 7% match
28 days holiday (plus bank holidays)
Annual Learning and Wellbeing Budget
Enhanced Parental Leave
Cycle to Work Scheme
Season Ticket Loan
6 free therapy sessions per year
Dog Friendly Offices
Free drinks and snacks in our offices

Check out more of our benefits, values and mission here.

Other Info Check out our 'Top Tips' for interviewing.
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Email careers@capitalontap.com if you have any questions.

Excited to work here? Apply! If you'd like to progress your career within our fast growing, profitable fintech then click apply and we will aim to get back to you within 3 working days (during busy periods this could take up to 5 working days.)