Risk Manager
<div class="content-intro"><p><span style="font-family: verdana, geneva, sans-serif; font-size: 12pt;"><strong>We’re Capital on Tap 👋<br></strong></span><span style="font-family: verdana, geneva, sans-serif; font-size: 12pt;">💳 Capital on Tap started because small businesses were underserved. Big banks were slow, their products weren't fit for purpose, and small business owners often couldn't access what they needed. We set out to fix that.</span></p>
<p><span style="font-family: verdana, geneva, sans-serif; font-size: 12pt;">Today we're a financial platform - not just a credit card company. We offer a best-in-class business credit card, SME-focused spend management platform, a savings product that hit £1 billion in funds within its first year, and a growing suite of tools and financial products that make running a small business easier. </span></p>
<p><span style="font-family: verdana, geneva, sans-serif; font-size: 12pt;">1,000+ employees, £20bn in annual card spend, 200,000+ customers, 17,000+ Trustpilot reviews averaging 4.7 stars, and we're profitable. We’ve done a pretty good job so far, but we’re just getting started! </span></p></div><p>🏡🏢This is a Hybrid role, with a minimum of 3 days a week in our London office.</p>
<p><strong>Risk & Compliance at Capital on Tap<br></strong>The Risk & Compliance team is the second line of defence at Capital on Tap, working at the intersection of regulation, product and business growth. As our Risk Manager, you'll lead the design and delivery of our risk management framework, working closely with the UK Compliance Director and Risk Owners across the Leadership Team.</p>
<p><strong>The Role</strong><br>This is a senior leadership role for someone who is energised by building forward-looking risk frameworks that inform decisions, not activity registers that sit on a shelf. The ideal candidate will have significant expertise in enterprise risk management within FCA-regulated firms, technical fluency, and take a pragmatic, problem-solving and risk-based approach.</p>
<p><strong>What You’ll Be Doing</strong></p>
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<li class="font-claude-response-body whitespace-normal break-words pl-2"><strong>Strategic Risk Leadership</strong>: Serve as the primary second-line risk lead, providing senior leadership with a forward-looking, decision-useful view of risk as the business scales.</li>
<li class="font-claude-response-body whitespace-normal break-words pl-2"><strong>Framework Ownership</strong>: Own and refresh the Enterprise Risk Management Framework ensuring the three lines of defence design fits a growing FinTech.</li>
<li class="font-claude-response-body whitespace-normal break-words pl-2"><strong>Risk Taxonomy & RCSAs</strong>: Re-baseline the Risk Taxonomy with Risk Owners to reflect the current business, and work collaboratively with them to refresh risk assessments and risk appetites.</li>
<li class="font-claude-response-body whitespace-normal break-words pl-2"><strong>KRIs & Risk Reporting</strong>: Work with Risk Owners to build live KRI dashboards and support reporting to the Risk Committee.</li>
<li class="font-claude-response-body whitespace-normal break-words pl-2"><strong>Risk Systems & Data:</strong> Responsible for transitioning to a GRC platform.</li>
<li class="font-claude-response-body whitespace-normal break-words pl-2"><strong>Stress Testing & Wind-Down: </strong>Lead the annual wind-down plan refresh aligned to FCA WDPG and the CASS 10A resolution pack.</li>
<li class="font-claude-response-body whitespace-normal break-words pl-2"><strong>Governance Support:</strong> Support Risk Committee Charter and Terms of Reference refresh.</li>
<li class="font-claude-response-body whitespace-normal break-words pl-2"><strong>Independent Assurance</strong>: Partner with Internal Audit and third party assurance providers to shape an independent assurance plan aligned to where the residual risks actually sit.</li>
<li class="font-claude-response-body whitespace-normal break-words pl-2"><strong>Business Enablement:</strong> Provide thoughtful, business-minded second line challenge to product launches, partner-bank changes and AI implementations.</li>
<li class="font-claude-response-body whitespace-normal break-words pl-2"><strong>Risk Culture:</strong> Support the risk culture across the business by engaging Risk Owners on impact classification and risk-owned RCSAs, embedding risk thinking into business-as-usual decisions.</li>
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<p><strong>We’re Looking For</strong></p>
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<li class="font-claude-response-body whitespace-normal break-words pl-2"><strong>Deep Regulatory Expertise</strong>: Comprehensive working knowledge of FCA SYSC 4, 6 and 7, the EMD/PSD regime, FCA WDPG and CASS 10A, with the ability to interpret complex requirements and provide pragmatic business guidance.</li>
<li class="font-claude-response-body whitespace-normal break-words pl-2"><strong>Framework Design Experience: </strong>Hands-on experience designing or refreshing an Enterprise Risk Management Framework: taxonomy, appetite, KRIs, RCSA methodology and Risk Committee reporting.</li>
<li class="font-claude-response-body whitespace-normal break-words pl-2"><strong>FinTech / Payments Background:</strong> Proven experience in an FCA-regulated firm in the EMI, payments, banking or FinTech space, with an understanding of partner-bank concentration risk in card and payments models.</li>
<li class="font-claude-response-body whitespace-normal break-words pl-2"><strong>Forward-Looking Reporting: </strong>Track record of building effective risk reporting.</li>
<li class="font-claude-response-body whitespace-normal break-words pl-2"><strong>Stress Testing & Wind-Down: </strong>Practical experience embedding stress testing, reverse stress testing and wind-down planning at firm level.</li>
<li class="font-claude-response-body whitespace-normal break-words pl-2"><strong>Senior Stakeholder Influence</strong>: Confident providing independent challenge at Director and C-suite level, building constructive relationships while holding the second line.</li>
<li class="font-claude-response-body whitespace-normal break-words pl-2"><strong>Urgency & Business Focus: </strong>Demonstrated ability to work at pace in fast-moving environments, with the appetite to build at speed - the framework exists, it needs maturing fast as the business scales.</li>
<li class="font-claude-response-body whitespace-normal break-words pl-2"><strong>Strong Written Communication:</strong> Excellent written communication for papers, Risk Committee briefings and Board notes, with the ability to translate technical risk into business decisions.</li>
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<p class="font-claude-response-body break-words whitespace-normal leading-[1.7]">Nice to Have</p>
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<li class="font-claude-response-body whitespace-normal break-words pl-2"><strong>GRC Platform Experience: </strong>Experience evaluating or implementing a GRC platform.</li>
<li class="font-claude-response-body whitespace-normal break-words pl-2"><strong>AI & Operational Resilience:</strong> Exposure to AI risk management and operational resilience under FCA expectations.</li>
<li class="font-claude-response-body whitespace-normal break-words pl-2"><strong>Professional Qualifications:</strong> A recognised risk qualification such as IRM (Institute of Risk Management), FRM (GARP), PRMIA or equivalent. Big 4 or consulting background in financial services risk also welcome.</li>
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<p><strong>Diversity & Inclusion</strong> 🌈<br>We welcome, consider and encourage applications from anyone who shares our commitment to inclusivity. Join us in creating a space where authenticity thrives, and everyone can do their best work.</p>
<p><strong>Great Work Deserves Great Perks</strong><br>We try not to take ourselves too seriously (all the time) so we make sure our office is decked out with a pool table, arcade machine, beer tap, and a couple of office dogs thrown in for good measure. Check out our benefits:<br>🏥 Private Healthcare including dental and opticians services through Vitality<br>✈️ Worldwide travel insurance through Vitality<br>❤️ Access to a women's health platform via Hertility<br>🎁 Anniversary Rewards (£250, £500, £750, 4-week fully paid sabbatical)<br>👛 Salary Sacrifice Pension Scheme up to 7% match<br>🏖️ 28 days holiday (plus bank holidays)<br>📖 Annual Learning and Wellbeing Budget<br>👪 Enhanced Parental Leave<br>🚲 Cycle to Work Scheme<br>🚂 Season Ticket Loan<br>💬 6 free therapy sessions per year<br>🐶 Dog Friendly Offices<br>🍫 Free drinks and snacks in our offices</p>
<p>Check out more of our benefits, values and mission<a href="https://www.capitalontap.com/en/company/careers/"> here</a>.</p><div class="content-conclusion"><p><strong><span style="font-size: 12pt; font-family: verdana, geneva, sans-serif;">Other Info<br></span></strong><span style="font-size: 12pt; font-family: verdana, geneva, sans-serif;">👍Check out our <a href="https://www.capitalontap.com/en/blog/posts/acing-your-interviews-with-capital-on-tap/">‘Top Tips’ for interviewing.</a><br></span><span style="font-size: 12pt; font-family: verdana, geneva, sans-serif;">✔️Keep updated on new job opportunities by following us on <a href="https://www.linkedin.com/company/capital-on-tap">Linkedin</a>.<br></span><span style="font-size: 12pt; font-family: verdana, geneva, sans-serif;">📧Email <a href="mailto:careers@capitalontap.com">careers@capitalontap.com</a> if you have any questions.</span></p>
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