Regulatory Risk & Compliance Manager - EUR (Deputy Chief Compliance Officer)

ABOUT TIDE

At 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 with over 1.8 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 both time (and money) so they can get back to doing what they love.

Tide facts

Tide is available for UK, Indian, German and French SMEs

Over 1.8 million members: 800,000 UK and 1,000,000 in India and growing rapidly

Over $300 million raised in funding

Over 2,500 Tideans globally - we’re diversity champions!

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 and New Delhi, and in 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 - EUR, you will play a vital role in ensuring Tide complies with the evolving regulatory requirements set by the CSSF and other EU regulators. You will be responsible for identifying, assessing, and mitigating regulatory risks, while ensuring that Tide’s compliance frameworks are embedded across the business.

Working closely with teams across the organisation, 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 particular regulations, 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

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

Horizon scanning and regulatory mapping for regulatory developments across Luxembourg and the EU, assess their impact, and advise on necessary actions.

Manage regulatory submissions to the CSSF such as Compliance summary report, long form report and the annual complaints reports.

Ensure accurate and timely regulatory reporting for BCL monthly reports.

Provide regulatory guidance on product and service development, conducting compliance assessments for new initiatives.

Maintain and update compliance policies in line with Luxembourg and EU regulations, tracking required refresh cycles.

Support the Chief Compliance Officer and 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 compli