Compliance Adviser (First Line) - Operational Controls

We want compliance built into how we design, sell, and run our products. As our hands-on compliance adviser in the first line (the teams who run the business and own its risks), you'll bring regulatory expertise to help our operations, commercial, and product teams ensure compliance from the ground up.

What success looks like

In your first year, our operations, sales, and product teams bring you in early by default, because working with you makes things smoother, not slower. You'll have guided at least one major launch, like card issuing, from first idea to go live. Our live products will have clear governance and outcome monitoring, and Protect (our second line risk and compliance team) will see fewer surprises and find a stronger compliance foundation in place.

To do this, you'll be involved in:

• Product development: Turning regulation into clear requirements, customer journeys, terms and conditions (T&Cs), and fair value assessments from the first idea through product approval to launch.

• Product lifecycle management: Keeping live products compliant through periodic fair value assessments, outcome monitoring, reviews, changes, and closures.

• Sales: Helping our commercial team check early whether potential partners fit our risk appetite, and reviewing sales material.

• Marketing: Working on both our marketing materials and ensuring that our customers' marketing materials are compliant with regulation and our internal policies. Ensuring our financial promotions are compliant and challenged appropriately.

• Service (Operations): Building regulatory requirements into how Service works day to day, with procedures and controls people actually use.

• Regulatory change: Working out what new rules mean for us and making sure the right teams make the right changes on time.

• Issues and reporting: Investigating and fixing compliance issues, and reporting clearly on compliance risks and customer outcomes.

• Working with second line (Protect): Bringing them in early, sharing the evidence they need, and acting on their challenge.

We expect you to shape this role: This description reflects what we need today. How you achieve these outcomes, where you focus your energy, and how this role evolves—that's for you to define as you learn what our customers need and where our technical gaps are.

Your background

To ensure this, we're looking for people who have:

• Compliance experience in the first or second line of a UK regulated firm, ideally a bank, e-money institution, or payments firm.

• Practical knowledge of the rules behind our products, such as Consumer Duty, BCOBS, CASS, FISMA, the Payment Services Regulations, and the Money Laundering Regulations.

• A hands-on approach. You've turned regulation into practical requirements for product, sales, or operations teams, and you're comfortable interpreting and applying FCA rules to new situations.

• A curious, questioning approach. You know the right questions to ask before signing something off, not just the rules to check it against.

• The confidence to challenge, clearly and kindly, when something isn't right.

• A love of writing - we have a major amount of written documentation that you will be contributing to, and we place a high degree of importance on clarity and readability.

Ideally, you would also:

• Have deep expertise in at least one specialist area, such as payments, cards, Consumer Duty, BCOBS, financial promotions, or similar.

• Have worked in finance or banking.