Risk Manager
Capital on Tap is seeking a Risk Manager to lead the design and delivery of their risk management framework. This senior leadership role involves collaborating closely with the UK Compliance Director and Risk Owners across the Leadership Team. The position is based in London, requiring a minimum of three days per week in the office.
The Risk Manager will be responsible for strategic risk leadership, providing senior leadership with a forward-looking, decision-useful view of risk as the business scales. They will own and refresh the Enterprise Risk Management Framework, ensuring it aligns with the growing FinTech environment. Additional duties include re-baselining the Risk Taxonomy with Risk Owners, building live Key Risk Indicator (KRI) dashboards, transitioning to a Governance, Risk, and Compliance (GRC) platform, leading annual wind-down plan refreshes, supporting governance, and partnering with Internal Audit and third-party assurance providers.
Candidates should possess comprehensive knowledge of FCA SYSC 4, 6, and 7, the EMD/PSD regime, FCA WDPG, and CASS 10A. Experience in designing or refreshing an Enterprise Risk Management Framework, including taxonomy, appetite, KRIs, RCSA methodology, and Risk Committee reporting, is essential. A background in FCA-regulated firms within the EMI, payments, banking, or FinTech sectors is preferred, along with a proven track record in building effective risk reporting and embedding stress testing and wind-down planning at the firm level.
While not mandatory, experience evaluating or implementing a GRC platform, exposure to AI risk management and operational resilience under FCA expectations, and professional qualifications such as IRM, FRM, or PRMIA are advantageous. The role offers a competitive salary and benefits package, including private healthcare, worldwide travel insurance, access to a women's health platform, anniversary rewards, a salary sacrifice pension scheme, 28 days holiday plus bank holidays, an annual learning and wellbeing budget, enhanced parental leave, cycle to work scheme, season ticket loan, free therapy sessions, dog-friendly offices, and free drinks and snacks in the office.
Capital on Tap is a rapidly growing financial platform dedicated to making running a small business as easy as possible. With over 1,000 employees, £20 billion in annual card spend, and more than 200,000 customers, the company offers a dynamic and inclusive work environment. Employees are encouraged to be innovative, take ownership, and thrive in a scaling and agile environment.