Senior Consultant - Payments

JR United Kingdom; Bath; On-site; GBP 45,000 - 70,000; Full time

Job summary

A leading consultancy in the payment sector is looking for experienced Consultants and Senior Consultants with a background in regulatory compliance. The roles involve providing high-quality consultancy support to clients while navigating the complex regulatory landscape in the payments and e-money sector, ensuring adherence to regulatory guidelines like PSD2 and FCA requirements.

Qualifications

• Proven experience in regulatory consultancy.
• Strong expertise in payments regulation including PSD2 and AML.
• Experience preparing FCA applications.

Responsibilities

• Deliver high-quality consultancy support in payments and e-money sector.
• Advise on regulatory obligations and maintain client relationships.
• For Senior Consultants: Mentor junior colleagues and lead project teams.

Skills

Regulatory consultancy

Payments regulation

Compliance advice

Excellent communication

Commercial awareness

Education

ICA certification

CISI certification

Legal/regulatory certifications

Job description

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Our consultancy client are expanding their Payments team and seeking experienced Consultants and Senior Consultants who have a proven track record in regulatory consultancy, with a strong specialism in the payments and e-money sector.

This is a client-facing role requiring a deep understanding of the regulatory landscape, combined with the ability to provide commercially aware, practical compliance advice to a varied portfolio of clients.

Key Responsibilities

• Deliver high-quality, hands-on consultancy support to clients within the payments and e-money sector, including EMIs, PIs, PSPs, and fintechs.
• Advise on regulatory obligations under PSD2, EMRs, and FCA requirements.
• Provide end-to-end support on authorisations, variations of permission, audits, and regulatory change.
• Develop and maintain client relationships, acting as a trusted advisor.
• Draft and review policies, procedures, and risk assessments.
• Keep abreast of regulatory developments and communicate key updates to clients.
• For Senior Consultants: Mentor junior colleagues, lead project teams, and contribute to business development.

Requirements

• Proven experience in regulatory consultancy, ideally within a specialist consultancy or regulatory advisory firm.
• Strong expertise in payments regulation, including PSD2, EMRs, safeguarding, AML, and conduct requirements.
• Experience preparing and managing FCA applications and responses.
• Excellent communication and report writing skills.
• Commercial awareness and the ability to balance compliance with business goals.
• Confidence in working independently and managing multiple client engagements.
• For Senior Consultants: Experience leading projects and contributing to practice growth.
• Experience supporting cryptocurrency, digital asset, or open banking firms.
• Relevant professional qualifications (e.g., ICA, CISI, or legal/regulatory certifications).