Lead, Regulatory Risk & Compliance (EU Regulatory 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. WHAT YOU'LL BE DOING As EU Regulatory Compliance Officer , you will play a vital role in ensuring Tide complies with the evolving regulatory requirements set by the CSSF, Bafin, ACPR and other 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 a Regulatory Risk Compliance Manager you will: Execute the Compliance Monitoring Plan, taking ownership of monitoring activities, addressing findings, and engaging stakeholders as needed. Research regulatory developments across Luxembourg, Germany, France and the EU, assess their impact, and advise on necessary actions. Manage regulatory submissions, including licence applications, periodic reports, and responses to regulatory information requests. Ensure accurate and timely regulatory reporting by working closely with business areas and conducting oversight checks where required. Provide regulatory guidance on product and service development, conducting compliance assessments for new initiatives. Maintain and update compliance policies in line with Luxembourg, German, and EU regulations, tracking required refresh cycles. Support the Regional Lead of Risk Compliance and the Global Head of Compliance Conduct Risk in regulatory engagements, strategic planning, and governance. Lead and actively participate in the Regulatory Risk Compliance working group, ensuring key issues ... (truncated, view full listing at source)