Senior Regulatory Compliance Manager

Over the last 18 years, Equals Money has helped over a million satisfied customers move and manage their money. Our award‑winning product portfolio allows our customers to make low‑cost multi‑currency payments across various payment products. From travel money to transfers, currency hedging, to expense management, open‑banking to card acquiring, we are focused on a single goal of making it easy for our customers to manage and move their money.

As a business, we are committed to delivering value to our customers through the combination of advanced payments technology and personal expert service. We’re doing this by hiring exceptional people. Equals are looking to hire an experienced Senior Regulatory Compliance Manager to join their team in Chester.

With our headquarters in London and teams in Brussels, Chester, Amsterdam and Los Angeles, the Equals Group operates a portfolio of successful and exciting business lines and brands – Equals Money, FairFX and CardOneMoney in the UK and now Equals Money Europe in Belgium. You will join a very close‑knit, talented and supportive team from various backgrounds who believe that bringing different perspectives together helps us understand our customers’ needs. United, by one thing, making money management straightforward and cost‑effective for our customers.

You are a regulatory compliance subject specialist and able to take responsibility for executing regulatory processes and monitoring compliance tasks to a high standard. You can spot opportunities for strengthening processes and controls and strive to implement and build systems and processes that support a strong compliance culture. You’re able to influence stakeholders to promote the compliance agenda and can motivate and inspire team members to perform to a high standard. You will support the Head of Regulatory Compliance in the day‑to‑day execution of the compliance roadmap and take the lead on more complex or technically demanding projects. Regulatory change will be a key focus area for you in this role, and as such you will follow new developments and trends in the regulatory landscape impacting payments firms. You will work with senior business leaders to ensure a robust application of regulatory compliance controls, operating under the second line model of ‘advise, train and monitor’.

• Supporting the Head of Regulatory Compliance in the day‑to‑day execution of the compliance roadmap
• Providing independent 2nd line ‘review and challenge’ to Equals business units, adopting the ‘advise, train and monitor’ second line model
• Taking ownership of specific items on the Compliance Roadmap/Strategy, ensuring completion of tasks in line with deadlines and escalating any risks of non‑completion
• Providing high quality compliance advice to the business on all regulatory matters relevant to Equals businesses
• Supporting the ongoing development of compliance staff through reviewing documentation, proposals and other assets and providing quality feedback on these
• Supporting regulatory engagement in relevant markets where Equals has or is seeking to establish a presence
• Working closely with the other Group Risk and Compliance functions and senior management stakeholders
• Acting as a role model for more junior members of the compliance function

• Co‑ordinating the Group’s initial responses to regulatory change matters, and supporting the head to allocate new items to team members
• Developing training material in relation to policies owned by Compliance
• Supporting the delivery of the compliance roadmap, taking ownership of specific activities
• Keeping up to date with regulatory change matters and supervisory themes
• Supporting the identification and management of risks of non‑compliance with regulatory requirements
• Supporting, escalating and overseeing the identification and resolution of regulatory incidents as well as reporting relevant incidents to regulatory authorities
• Attending and provide reporting to relevant board/risk committees as required
• Promoting the adoption of a culture that prioritises good customer and regulatory outcomes in Risk and Compliance across the business
• Managing external advisors and assurance providers
• Embody at all times our values of
  • Be the customer
  • Succeed together
  • Go beyond
  • Make it happen

• In‑depth understanding of UK regulatory frameworks, including the Payment Services 2017 (PSRs), Electronic Money Regulations (EMRs), AML/CTF requirements and GDPR.
• Experience drafting and implementing compliance policies and procedures.
• Strong analytical and problem‑solving skills.
• Excellent communication skills across all levels of stakeholders.
• Ability to promote the compliance agenda and foster a robust compliance culture across the business
• Familiarity with working in a 3LOD model
• Leadership skills to manage and inspire a team.
• Meticulous attention to detail and organisational capabilities.
• Relevant certifications (e.g. ICA, CAMS or similar compliance certifications) an advantage.
• Minimum of 5-7 years’ experience in regulatory compliance within financial services, preferably in the payment services sector.
• Demonstrated track record in working with regulatory bodies such as the FCA, HMRC, NBB.

Where possible we offer the opportunity to work flexibly and the opportunity to balance some remote working with time in the office collaborating, taking part in events and developing the social connections that make working with us rewarding.

Equals strives to create a workplace where we can all be ourselves. We believe in inclusion, equality and the power of diversity, so you’ll be encouraged to bring your unique perspectives and experiences, and help us understand what you need to do your best work.