Regulatory Lead - Everyday Banking Payments Platform

Lloyds Banking Group; City of Edinburgh; Hybrid; GBP 61,000 - 68,000; Full time

Benefits offered by this job

Hybrid working

Job share

Job summary

Lloyds Banking Group is seeking a Regulatory Lead for the Everyday Banking Payments Platform in the UK. The role is hybrid with locations including Edinburgh, Halifax, or Manchester, and a 35-hour week. You will shape regulatory expectations for consumer payments and balance customer outcomes with sustainable business goals.

You will lead regulatory consultations, engage with regulators, and coordinate cross-functional teams to deliver evidence-based positions and practical policy implications.

Qualifications

• Ability to build effective connections across regulators, policymakers and internal teams.
• Ability to translate regulatory information into clear briefings for diverse audiences.
• Strong analytical and problem-solving skills using evidence to assess developments.
• Ability to gather information from various teams and apply it to submissions.
• Link regulatory developments with customer, business and strategic objectives.

Responsibilities

• Lead responses to consumer payments regulatory consultations, market studies and policy proposals.
• Monitor emerging regulatory and industry developments and turn into practical implications.
• Coordinate regulatory information and data requests across the Group.
• Prepare high-quality briefings for senior stakeholders and ensure governance and risk alignment.

Skills

Managing Key Relationships

Communication

Critical Thinking

Data Literacy

Business & Commercial Insight

Job description

End Date

Monday 16 November 2026

Salary Range

£61,344 - £68,160

Flexible Working Options

Hybrid Working, Job Share

Job Description

JOB TITLE: Regulatory Lead - Everyday Banking Payments Platform

LOCATION(S): Edinburgh, Halifax or Manchester

SALARY: £61,344 - £68,160

HOURS: 35 hours, full time

WORKING PATTERN: Our work style is hybrid, which involves spending at least two days per week, or 40% of your time, at one of our office sites.

Everyday Banking is at the heart of our growth strategy, with Current Accounts, Overdrafts, Savings and Payments helping us serve our UK customers and grow customer relationships.

Within our Payments Product team, you'll help shape the regulatory environment around consumer payments while balancing positive customer outcomes with sustainable business outcomes.

You’ll lead our responses to consumer payments regulatory consultations, market studies and policy proposals, bringing together evidence from teams across product, finance, legal and risk. You’ll represent the Group in industry forums and engage with regulators, policymakers and industry bodies, making sure our positions are clear and evidence based.

You’ll also monitor emerging regulatory and industry developments, turning complex policy changes into practical implications and recommendations. Working across the Group, you’ll coordinate regulatory information and data requests, prepare high-quality briefings for senior stakeholders, and help ensure our regulatory engagement is appropriately governed and aligned with our policies, controls and risk appetite.

Why join us

We’re on an exciting journey to transform our Group and the way we’re shaping finance for good. We’re focusing on the future, investing in our technologies, workplaces, and colleagues to make our Group a great place for everyone.

What You’ll Need

• Managing Key Relationships: the ability to build effective connections across diverse groups and influence outcomes. This includes engaging with regulators, policymakers, industry organizations, and senior internal collaborators.
• Communication: the skill to transform complex regulatory, policy, and payments information into clear, meaningful written and verbal briefings for different audiences.
• Critical Thinking: strong analytical and problem-solving skills, using evidence to assess emerging regulatory developments, identify implications, and develop practical recommendations.
• Data Literacy: the capability to gather information and data from various teams, evaluate the evidence, and apply it to back regulatory submissions and strategic positions.
• Business & Commercial Insight: the ability to link regulatory and industry developments with customer, business, and strategic objectives.

And Any Experience Of This Would Be Really Useful

• Legal & Regulatory Compliance, particularly experience gained in regulatory affairs, public policy, government affairs, or external engagement within financial services.
• Knowledge of the UK payments and financial services regulatory environment.
• Experience contributing to or leading regulatory discussions, market studies, or major policy initiatives.

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