Lead Money Remitters Associate

Financial Conduct Authority; Leeds; On-site; GBP 61,000 - 71,000; Full time

Benefits offered by this job

25 days annual leave

Pension & life assurance

Private healthcare & support

Volunteering allowance

Office time requirement

Flexible benefits

Job summary

The Financial Conduct Authority (FCA) is a premier UK regulator, and this Lead Money Remitters Associate role sits within the Supervision, Policy and Competition division, specifically the Money Remittance Portfolio. You will lead supervisory work on higher‑risk remittance firms, applying regulatory insight to safeguard consumers and the financial system.

Based in the UK, you will engage with internal teams and external partners to address risks, drive improvements, and support a high‑performing

Qualifications

• Extensive experience of supervising firms or leading complex regulatory, enforcement or investigative casework.
• Proven experience of line management, coaching and developing colleagues, including supporting performance and professional development.
• Demonstrable ability to provide technical oversight, quality assurance and direction across a team, ensuring consistent and risk-focused outcomes.

Responsibilities

• Lead the supervision of higher-risk money remittance firms, developing deep insight into domestic and international payment models, agent networks and third‑party relationships to identify and address emerging risks
• Conduct complex supervisory assessments, firm engagements and investigations, ensuring firms meet regulatory standards and deliver fair outcomes for consumers
• Use evidence, judgment and regulatory knowledge to challenge poor practices, brief senior decision-makers and secure meaningful improvements where standards fall short
• Manage delivery across a range of high‑profile supervisory priorities, helping to protect consumers and maintain confidence in the UK’s financial system
• Support, coach and develop colleagues, building an inclusive, high‑performing team culture and enabling others to perform at their best
• Collaborate with colleagues across the FCA and external partners, including HMRC and law enforcement, to share intelligence, prevent financial crime and enhance market oversight
• Manage a diverse portfolio of complex cases, balancing competing priorities to deliver timely, high‑quality and impactful regulatory outcomes
• Deputise for the Team Manager and represent the FCA in key internal and external forums, gaining exposure to senior stakeholders while helping shape regulatory strategy and protecting millions of consumers who rely on safe and effective payment services

Skills

Supervision

Investigations

Enforcement

Job description

Lead Money Remitters Associate

Division: Supervision, Policy and Competition (SPC)

Department: Money Remittance Portfolio

• Salary Banding: National (Edinburgh and Leeds) ranging from £60,700 to £70,700 and London £66,600 to £77,600 (salary offered will be based on skills and experience)
• This role is graded as: Lead Associate – Regulatory
• Your external recruitment contact is Steve Christopher via [e-mail]
• Your internal recruitment contact is Louis Van den Burg via [e-mail]
• Applications must be submitted through our online portal. Applications sent via social media or email will not be accepted.

About The FCA And Team

We regulate financial services firms in the UK, to keep financial markets fair, thriving and effective. By joining us, you’ll play a key part in protecting consumers, driving economic growth, and shaping the future of UK finance services.

SPC oversees firms and individuals (supervision), creates and reviews the rules by which they operate (policy) and identifies and remedies ineffective competition in markets (competition).

Sitting in the Payments & Digital Assets directorate, the money remitters department overseeing firms that provide essential domestic and cross‑border payment remittance services. These firms play a vital role in supporting the UK financial system and consumers who rely on them.

Role Responsibilities

• Lead the supervision of higher-risk money remittance firms, developing deep insight into domestic and international payment models, agent networks and third‑party relationships to identify and address emerging risks
• Conduct complex supervisory assessments, firm engagements and investigations, ensuring firms meet regulatory standards and deliver fair outcomes for consumers
• Use evidence, judgment and regulatory knowledge to challenge poor practices, brief senior decision-makers and secure meaningful improvements where standards fall short
• Manage delivery across a range of high‑profile supervisory priorities, helping to protect consumers and maintain confidence in the UK’s financial system
• Support, coach and develop colleagues, building an inclusive, high‑performing team culture and enabling others to perform at their best
• Collaborate with colleagues across the FCA and external partners, including HMRC and law enforcement, to share intelligence, prevent financial crime and enhance market oversight
• Manage a diverse portfolio of complex cases, balancing competing priorities to deliver timely, high‑quality and impactful regulatory outcomes
• Deputise for the Team Manager and represent the FCA in key internal and external forums, gaining exposure to senior stakeholders while helping shape regulatory strategy and protecting millions of consumers who rely on safe and effective payment services

Skills required

• Experience of supervision, investigations, enforcement, or other structured problem‑solving casework.
• Experience of analysing complex information and making sound, evidence‑based and risk‑focused judgements.
• Strong written and verbal communication skills, with the ability to explain complex issues clearly and engage effectively with a range of stakeholders.

Essential

• Extensive experience of supervising firms or leading complex regulatory, enforcement or investigative casework.
• Proven experience of line management, coaching and developing colleagues, including supporting performance and professional development.
• Demonstrable ability to provide technical oversight, quality assurance and direction across a team, ensuring consistent and risk‑focused outcomes.
• Strong stakeholder management and influencing skills, including the confidence to challenge constructively and engage with senior internal and external stakeholders.
• Experience of managing competing priorities across a varied and high‑volume workload, balancing strategic objectives with operational delivery.
• Ability to assess firms' systems, controls and governance arrangements and determine their effectiveness in managing regulatory and financial crime risks.
• Curiosity, resilience and a commitment to continuous learning, with a strong understanding of, or interest in, financial crime risks including AML, terrorist financing and fraud

Benefits

• 25 days annual leave plus bank holidays
• Non-contributory pension (8–12% depending on age) and life assurance at eight times your salary
• Private healthcare with Bupa, income protection, and 24/7 Employee Assistance
• 35 hours of paid volunteering annually
• Colleagues spend a minimum of 50% of their working time in the office each month (60% for Directors and Executive Directors) across our London, Leeds and Edinburgh offices.
• A flexible benefits scheme designed around your lifestyle

For a full list of our benefits, and our recruitment process as a whole visit our benefits page.

Our values and culture

Our colleagues are the key to our success as a regulator. We are committed to fostering a diverse and inclusive culture: one that’s free from discrimination and bias, celebrates difference, and supports colleagues to deliver at their best. We believe that our differences and similarities enable us to be a better organisation – one that makes better decisions, drives innovation, and delivers better regulation.

If you require any adjustments due to a disability or condition, your recruiter is here to help - reach out for tailored support.

We welcome diverse working styles and aim to find flexible solutions that suit both the role and individual needs, including options like part‑time and job sharing where applicable.

Disability confident: our hiring approach

We’re proud to be a Disability Confident Employer, and therefore, people or individuals with disabilities and long‑term conditions who best meet the minimum criteria for a role will go through to the next stage of the recruitment process. In cases of high application volumes, we may progress applicants whose experience most closely matches the role’s key requirements.

Useful information and timelines

Timeline

• Job advert closing: 20th September 2026 at 23:59
• CV Review/Shortlist: 22nd September 2026
• Interview: 28th September to the 2nd October 2026
• Please make your Recruiter aware if you are going to be unavailable for any date during this time.