Regulatory Risk & Compliance Manager (EU)

ABOUT TIDE

At Tide, we are building a finance platform designed to save small businesses time and money. We provide our members with business accounts and related banking services, but also a comprehensive set of connected administrative solutions from invoicing to accounting.

Launched in 2017, Tide is now used by over 1 million small businesses across the world and is available to UK, Indian and German SMEs. Headquartered in central London, with offices in Sofia, Hyderabad, Delhi, Berlin and Belgrade, Tide employs over 2000 employees.  

Tide is rapidly growing, expanding into new markets and always looking for passionate and driven people. Join us in our mission to empower small businesses and help them save time and money.  

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 a Regulatory Risk & Compliance Manager - EUR, you will play a vital role in ensuring Tide complies with the evolving regulatory requirements set by the CSSF, Bafin 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, 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 are identified, addressed, and escalated.
• Act as a liaison for external partners and service providers on oversight requests and regulatory expectations.
• Coordinate and deliver compliance and risk-related training across the business.
• Collect and prepare MI for internal governance reporting and external regulatory submissions.
• Track regulatory deadlines, file submissions, maintain a log of regulatory interactions, and prepare for meetings and inspections with CSSF, BaFin, and other authorities.
• Engage with internal teams to respond to compliance-related requests and regulatory inquiries, ensuring cross-functional alignment.
• Work closely with the 1LOD to remediate regulatory oversight findings and enhance controls.
• Identify, assess, and monitor regulatory risks, ensuring appropriate mitigation measures are in place.
• Support internal and external audits, participate in compliance reviews, and oversee effective remediation of findings.

WHAT MAKES YOU A GREAT FIT:

• At least seven years of experience in Compliance, Regulatory Risk, or Risk Management at a senior level within financial services.
• Strong expertise in Luxembourg (CSSF), Germany (BaFin), and EU financial regulations, including MiFID II, PSD2, GDPR, EBA Guidelines and related frameworks.
• Direct experience interacting with regulators, handling responses, managing notifications, and supporting regulatory inspections, audits, and thematic reviews.
• Proven track record in regulatory submissions, licence applications, and reporting, ensuring compliance with Luxembourg, German, and EU requirements.
• Experience in oversight functions, monitoring key risk indicators (KRIs), and providing Compliance Advisory on new initiatives, products, and services.
• Background in Banking, FinTech, Payments/E-Money firms, or Regulatory Consultancy.
• Experience working with firms under CSSF or BaFin regulations.
• Ability to interpret complex regulations, research requirements, and advise internal stakeholders on compliance matters.
• Proactive problem solver with a strong sense of ownership and accountability in resolving compliance challenges.
• Exceptional organisational skills, managing multiple projects, deadlines, and regulatory engagements effectively.
• Meticulous attention to detail, with strong drafting, analytical, and risk assessment skills.
• Fluency in English and German (mandatory); French and/or Luxembourgish is a strong plus.

WHAT YOU WILL GET IN RETURN

• 25 days of paid leave per year
• Additional 3 days of paid leave for volunteering or L&D
• We invest in your development with a EUR 1,000 professional L&D budget per year and ability to access thousands of resources through Learnerbly platform
• Share options
• Statutory Health Insurance
• Statutory Pension contribution
• Extended Parental Leave
• Mental health support through Plumm
• A one-off home office budget
• Work and travel globally – up to 90 days per country outside of your home country
• Team socials 
• Sabbatical Leave 
• Option to take your your work device as your own (eligibility applies)

TIDEAN WAYS OF WORKING

At Tide, we champion a flexible workplace model that supports both in-person and remote work to cater to the specific needs of our different teams. 

While remote work is supported, we believe in the power of face-to-face interactions to foster team spirit and collaboration. Our offices are designed as hubs for innovation and team-building, where we encourage regular in-person gatherings to foster a strong sense of community.

TIDE IS A PLACE FOR EVERYONE

At Tide, we believe that we can only succeed if we let our differences enrich our culture. Our Tideans come from a variety of backgrounds and experience levels. We consider everyone irrespective of their ethnicity, religion, sexual orientation, gender identity, family or parental status, national origin, veteran, neurodiversity or differently-abled status. We celebrate diversity in our workforce as a cornerstone of our success. Our commitment to a broad spectrum of ideas and backgrounds is what enables us to build products that resonate with our members’ diverse needs and lives. 

We are One Team and foster a transparent and inclusive environment, where everyone’s voice is heard.

At Tide, we thrive on diversity, embracing various backgrounds and experiences. We welcome all individuals regardless of ethnicity, religion, sexual orientation, gender identity, or disability. Our inclusive culture is key to our success, helping us build products that meet our members' diverse needs. We are One Team, committed to transparency and ensuring everyone’s voice is heard.

You personal data will be processed by Tide for recruitment purposes and in accordance with Tide's Recruitment Privacy Notice.