Regulatory Risk & Compliance Manager - EUR (Deputy Chief Compliance Officer)

About Tide

At Tide, we help SMEs save time and money in the running of their businesses by not only offering business accounts and related banking services but also a comprehensive set of highly usable and connected administrative solutions from invoicing to accounting.

Tide is transforming the small business banking market and now supports over 2 million members globally across the UK, India, Germany, and France.

Using advanced technology, all solutions are designed with SMEs in mind. With quick onboarding, low fees, and innovative features, we thrive on making data-driven decisions to serve our mission: to help SMEs save time and money so they can get back to doing what they love.

Tide facts:

• Tide is available for UK, Indian, German, and French SMEs
• Over 2 million members: 900,000 UK and 1,100,000 in India, and growing rapidly
• Over $300 million raised in funding
• Over 2,800 Tideans globally
• Recognised with Great Place to Work certification three years in a row and among India’s Top 50 Best Workplaces in Banking, Financial Services, and Insurance in 2026
• We have offices in Central London with a member support and technology centre in Sofia, Bulgaria; technology centres in Serbia, Romania, Lithuania, and Hyderabad; and offices in Gurugram, New Delhi, Berlin, Paris, and Luxembourg

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About the Team

We are pleased to have a dynamic, forward-thinking group of professionals deeply committed to supporting Tide in its growth while maintaining the highest standards of regulatory compliance and risk management.

We have great cross-collaboration both within and outside the team, and we pride ourselves on our team culture, ways of working, and the support we provide to each other and to the business.

If joining the Compliance Team, you will be part of a supportive and knowledgeable group with opportunities to work on complex, high-impact projects that contribute directly to Tide’s success and growth.

You’ll be encouraged to bring new ideas, challenge the status quo, and take ownership of key compliance initiatives.

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About the Role

As Regulatory Risk & Compliance Manager - EUR, you will play a vital role in ensuring Tide complies with the evolving regulatory requirements set by the CSSF and other EU regulators.

You will be responsible for identifying, assessing, and mitigating regulatory risks while ensuring that Tide’s compliance frameworks are embedded across the business.

Working closely with teams across the organisation, including Product, Member Operations, Payments, Marketing, Legal, and Finance, you will provide expert advice on regulatory developments, lead compliance initiatives, and integrate regulatory requirements into our day-to-day operations.

As the subject matter expert on particular regulations, you’ll help to steer decisions, impact strategies, and support the rest of the team and business.

At Tide, you’ll be able to work in a fast-paced environment with cross-team exposure, inquisitive freedom, and the ability to impact how Tide conducts its business.

As Regulatory Risk & Compliance Manager, you will:

• Execute the Compliance Monitoring Plan, taking ownership of monitoring activities, addressing findings, and engaging stakeholders as needed.
• Horizon scan and conduct regulatory mapping for developments across Luxembourg and the EU, assess their impact, and advise on necessary actions.
• Manage regulatory submissions to the CSSF, such as Compliance summary reports, long-form reports, and the annual complaints reports.
• Ensure accurate and timely regulatory reporting for BCL monthly reports.
• Provide regulatory guidance on product and service development, conducting compliance assessments for new initiatives.
• Maintain and update compliance policies in line with Luxembourg and EU regulations, tracking required refresh cycles.
• Support the Chief Compliance Officer and the Global Director of Compliance in regulatory engagements, strategic planning, and governance.
• Lead and actively participate in the Regulatory Risk & Compliance working group, ensuring key issues are identified, addressed, and escalated.
• Coordinate and deliver compliance and risk-related training across the business.
• Collect and prepare MI for internal governance reporting and external regulatory submissions.
• Track regulatory deadlines, file submissions, maintain a log of regulatory interactions, and prepare for meetings and inspections with CSSF and other authorities.
• Engage with internal teams to respond to compliance-related requests and regulatory inquiries, ensuring cross-functional alignment.
• Work closely with the 1LOD to remediate regulatory oversight findings and enhance controls.
• Identify, assess, and monitor regulatory risks, ensuring appropriate mitigation measures are in place.
• Support internal and external audits, participate in compliance reviews, and oversee effective remediation of findings.

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What We Are Looking For

• At least 6 years of experience in Compliance, Regulatory Risk, or Risk Management at a senior level within financial services.
• Strong expertise in Luxembourg (CSSF) and EU financial regulations, including PSD2, GDPR, EBA Guidelines, and related frameworks.
• Direct experience interacting with regulators, handling responses, managing notifications, and supporting regulatory inspections, audits, and thematic reviews.
• Proven track record in regulatory submissions, license applications, and reporting, ensuring compliance with Luxembourg and EU requirements.
• Experience in oversight functions, monitoring key risk indicators (KRIs), and providing Compliance Advisory on new initiatives, products, and services.
• Background in Banking, FinTech, Payments/E-Money firms, or Regulatory Consultancy.
• Experience working with firms under CSSF regulations.
• Ability to interpret complex regulations, research requirements, and advise internal stakeholders on compliance matters.
• Proactive problem solver with a strong sense of ownership and accountability in resolving compliance challenges.
• Exceptional organisational skills, managing multiple projects, deadlines, and regulatory engagements effectively.
• Meticulous attention to detail, with strong drafting, analytical, and risk assessment skills.
• Fluency in English, with German and/or French and/or Luxembourgish as a strong plus.

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What You’ll Get in Return

Our location-specific employee benefits are designed to cater to the unique needs of Tideans:

• Time Off – Generous annual leave on top of bank holidays.
• Parental Leave – Maternity, paternity, and adoption leave to support your family journey.
• Sabbatical – Extended unpaid and paid leave options after completing milestone years with Tide.
• Mental Wellbeing – Access to therapy sessions, courses, meditations, and workshops.
• Volunteering