Regulatory Compliance Lead – FinTech & Payments

ACE Money Transfer; Manchester; On-site; GBP 70,000 - 110,000; Full time

Job summary

ACE Money Transfer is seeking a Regulatory Compliance Manager to embed regulatory requirements across business areas, translating FCA Handbook and payment regulations into practical policies and controls. You will horizon-scan changes, partner with owners to close gaps, and build compliance capability within teams.

The role reports to the MLRO and collaborates with Compliance Assurance and Legal to ensure obligations are understood at decision points.

Qualifications

• Bachelor's degree in Law, Business, Finance, or a related discipline.
• Minimum 5-7 years of experience in a regulatory compliance, compliance advisory or compliance business partnering role within a regulated financial services environment; payments, e-money or money remittance experience is a strong plus.
• Proven track record of embedding regulatory requirements into operational processes and working directly with business teams to close compliance gaps.
• Strong knowledge of the FCA Handbook (SYSC, DISP and the Principles for Businesses), the Payment Services Regulations 2017, and the Money Laundering Regulations 2017.
• Good working knowledge of the Consumer Duty and Vulnerable Customers guidance, and how they apply to a cross-border payments business.
• Ability to translate complex regulatory requirements into practical, proportionate guidance that business teams can implement.
• Strong stakeholder management and influencing skills, with the ability to build credibility and trust with teams at all levels of seniority.
• Excellent written and verbal communication skills, including experience designing and delivering training.
• Self‑motivated, highly organised, and able to manage multiple business relationships and priorities at once.
• Experience in fintech, data‑driven or highly automated environment would be a plus.
• Experience designing and maintaining a risk‑based compliance monitoring plan within a regulated financial services environment.

Responsibilities

• Regulatory Change & Horizon Scanning: Monitor regulatory developments from the FCA and other bodies; assess impact on ACE's products and customer journeys.
• Embedding Regulatory Requirements in the Business: Act as the day-to-day compliance partner for assigned business areas; identify gaps and fixes.
• Policy & Procedure Development: Draft, review and maintain compliance policies; ensure operationalisation into SOPs and workflows.
• Compliance Monitoring Plan: Develop a risk-based plan; schedule periodic reviews; report findings and track remediation.
• Training & Advisory Support: Design and deliver targeted regulatory training; provide day-to-day regulatory advice.
• Monitoring, Reporting & Governance: Track embedding progress; escalate gaps; coordinate remediation with owners.

Skills

Regulatory compliance

Financial services

Stakeholder management

Regulatory change management

Policy development

Training delivery

Education

Bachelor's degree in Law, Business, Finance

Job description

ACE Money Transfer is seeking a Regulatory Compliance Manager to embed regulatory requirements across business areas, translating FCA Handbook and payment regulations into practical policies and controls. You will horizon-scan changes, partner with owners to close gaps, and build compliance capability within teams.

The role reports to the MLRO and collaborates with Compliance Assurance and Legal to ensure obligations are understood at decision points.