Regulatory Compliance Manager (FinTech: PI/EMI)
YouLend is the preferred global embedded financing platform for many of the world’s leading e-commerce sites, tech companies and payment services providers such as Amazon, eBay, Shopify, Mollie, Dojo, Paysafe, Just Eat Takeaway and Takepayments. Our software platform and APIs enable our partners to offer flexible financing products, in their desired branding, to their merchant base. With YouLend's AI-driven credit risk assessment solutions, more merchants and SMEs than ever can receive fast, flexible and affordable funding. We operate in 9+ geographies across the UK, EU and the US.
We believe that the future of financial services will be delivered by customer-oriented tech companies that embed financing in their customer journeys, and we are building the solutions that will power that future.
The Role:
The Regulatory Compliance Manager will be a key figure in ensuring YouLend maintains a robust regulatory compliance framework. Reporting directly to the Head of Regulatory Compliance this role will focus on enhancing compliance processes, monitoring regulatory risks, and ensuring adherence to FCA, EU, and global standards as we pursue additional regulatory authorisations.
This role offers an exciting opportunity for an experienced compliance professional to play a pivotal role in helping to shape our regulatory compliance framework and support YouLend with future expansion plans.
Requirements
- Regulatory Compliance Framework – Contribute to the maturity of the regulatory compliance strategy and framework, ensuring there is a consistent and scalable approach to ‘compliance’ across training, policies, KRIs, testing, reporting.
- Compliance Monitoring - Support with the enhancement of the design and implementation of YouLend's Compliance Monitoring and Testing Programme including tracking and monitoring progress against the annual monitoring program and adapting it to the changing regulatory and business environment.
- Governance and Management Reporting - Raising the standards of management reporting and governance, assisting the Head of Regulatory Compliance with preparing updates to YouLend’s Senior Management Team where necessary and embedding a governance framework that facilitates this.
- Horizon scanning - Through the identification, assessment, and ongoing monitoring of current and future regulatory risks, including gap analysis of new regulatory initiatives and guidance from the Youlend’s regulators
- Advisory – Act as a trusted advisor to the business, providing guidance on regulatory topics and helping the business navigate complex compliance landscapes in the UK, EU, US and other jurisdictions.
- Regulatory Engagement - Support the Head of Regulatory Compliance with managing regulatory engagement, tracking and handling queries, audits, and ongoing communications with YouLend’s Regulators.
- Regulatory Reporting - Lead regulatory reporting processes to ensure timely and accurate submissions to the FCA and other relevant authorities.
- Enterprise Risk Management - Support with the uplift of YouLend’s Enterprise Risk Framework, working with risk owners across the business to develop and mature the identification, assessment and management of YouLend’s enterprise risks.
Essential Qualifications and Experience :
- A minimum of 5+ years experience in a regulatory compliance role ideally within the financial services industry, payment institution, electronic money institution or a similar regulated entity.
- Strong experience in Payments Services Regulations (PSRs).
- Demonstrable experience of supporting the implementation of compliance frameworks, particularly for FCA-regulated entities.
- Experience leading regulatory reporting processes and stepping in to act as a liaison with regulators such as the FCA is a strong plus.
- Familiarity with EU regulatory regimes and experience supporting applications for new regulatory authorizations is a strong plus.
- Experience working in B2B financing or corporate lending is desirable.
Skills:
- Strong knowledge of FCA regulatory requirements, including the FCA Handbook.
- Proven ability to assess and manage regulatory risks, with experience in conducting thematic reviews and compliance monitoring.
- Expertise in key compliance themes such as governance, complaints handling, safeguarding, product governance and outsourcing, and in depth understanding of risk mitigation frameworks.
- Exceptional analytical skills, including conducting gap analyses to address new regulatory initiatives and guidance.
- Strong written and verbal communication skills, with experience preparing high-quality reviews, assessments, and reports for senior stakeholders and regulators.
Benefits
Why join YouLend?
- Award-Winning Workplace: YouLend has been recognised as one of the “Best Places to Work 2024” by the Sunday Times for being a supportive, diverse, and rewarding workplace.
- Award-Winning Fintech: YouLend has been recognised as a “Top 250 Fintech Worldwide” company by CNBC.
We offer comprehensive benefits package that includes:
- Stock Options
- Private Medical insurance via Vitality and Bupa Dental
- EAP with Health Assured
- Enhanced Maternity and Paternity Leave
- Modern and sophisticated office space in Central London
- Free Gym in office building in Holborn
- Subsidised Lunch via Feedr
- Deliveroo Allowance if working late in office
- Monthly in office Masseuse
- Team and Company Socials
- Football Power League
At YouLend, we champion diversity and embrace equal opportunity employment practices. Our hiring, transfer, and promotion decisions are exclusively based on qualifications, merit, and business requirements, free from any discrimination based on race, gender, age, disability, religion, nationality, or any other protected basis under applicable law.