Head of Compliance 9/12 Months FTC

Job Title: Head of Compliance 9/12 Months FTC
Working Pattern: Monday to Friday, 09.00 - 17.00 36.25 hours per week 
Salary: up to £120,000 basic salary and benefits 
Location: Flexible – Embrace hybrid work from our Cardiff or London Offices

💚 Shaping the future of sustainable digital banking 💚

Launched in 2014 as one of the UK’s original challenger banks, Tandem is proudly headquartered in the Northwest, with over 500 people working across the UK. 

People join Tandem because they want to shape something meaningful. Here, you’ll use your skills to create products that empower people to make better financial choices and lower their environmental impact. We’re big enough to drive real change, small enough for every voice to be heard, and united by a shared purpose that inspires us to move forward - together. 

Recognised in The Sunday Times Best Places to Work for 2024 and 2025, Tandem has also been named in The Sunday Times 100 Tech list for two consecutive years in 2025 and 2026 – a list of the fastest growing tech companies in Britain, reflective of our growing industry presence.

Tandem was also awarded Investor in Customers’ Gold Standard based on customer and employee feedback and is a Certified™ Great Place to Work®. 

Tandem is growing fast and helping to shape the future of sustainable banking.

Your team: Collaborators in change

Tandem is proud to offer a workplace with diverse experiences, perspectives, and backgrounds which leads to a unique company culture for our people and a better experience for our customers.

This role supports the SMF16 holder and is responsible for leading the day-to-day operations of the Compliance function within the agreed delegation, governance, and risk management framework.

The role provides leadership and oversight of Compliance Advisory and Compliance Monitoring leadership, together with other compliance colleagues as assigned The position ensures the effective delivery of compliance activities, provides expert regulatory guidance to the business, and supports the maintenance of a strong compliance culture across the organisation.

Your Impact: Building a sustainable tomorrow 

As Head of Compliance at Tandem your focus will be on the following:

Motor Finance Redress Programme

• Provide independent second-line oversight, constructive challenge and assurance across the programme lifecycle.
• Assess programme governance, redress methodology, customer segmentation, controls, data quality, communications and delivery outcomes.
• Ensure Consumer Duty, conduct risk, vulnerable customer and regulatory expectations are embedded in programme decisions and execution.
• Provide clear assurance reporting to the CRO/SMF16 holder, Executive and Board committees, escalating material risks or weaknesses promptly.
• Support transparent and well-controlled engagement with the FCA and other relevant stakeholders.

Compliance Leadership

• Lead, motivate and develop a high-performing Compliance function.
• Shape and deliver the Compliance strategy, monitoring plan and assurance priorities.
• Promote a culture of integrity, accountability and customer focus.

Regulatory Advice and Business Partnership

• Provide pragmatic, risk-based advice on FCA requirements, Consumer Duty, SMCR and conduct risk.
• Support products, strategic change and transformation while maintaining appropriate regulatory standards.
• Translate regulatory developments into clear, practical business actions.

Oversight and Assurance

• Own delivery of risk-based compliance monitoring and thematic reviews.
• Provide independent insight and challenge on regulatory and conduct risks.
• Assess the effectiveness of key controls and oversee timely remediation of findings.
• Identify and escalate emerging risks, breaches and material control weaknesses.

Governance and Regulatory Engagement

• Deliver concise, decision-useful reporting to senior management and governance committees.
• Support the SMF16 holder in regulatory engagement, reviews and information requests.
• Build trusted relationships across the organisation and with external stakeholders.

Regulatory Change and Consumer Outcomes

• Lead horizon scanning and coordinate proportionate responses to regulatory change.
• Oversee the ongoing embedding of Consumer Duty and delivery of good customer outcomes.
• Ensure the needs of vulnerable customers are considered throughout products, services and remediation activity.
• Use data and insight to strengthen early identification of regulatory and conduct risk.

We’d love to hear from you if you have:

• Significant senior compliance leadership experience in UK regulated financial services.
• Strong knowledge of FCA regulation, Consumer Duty, SMCR and conduct risk management.
• Experience overseeing complex remediation, redress or other high-profile regulatory programmes.
• Credibility with Executive and Board stakeholders and experience supporting regulatory engagement.
• Strong judgement, independence, commercial awareness, and delivery focus.
• Ability to move quickly, prioritise effectively and create impact within a fixed-term assignment.

It would be great, but not essential if you have:

• Motor finance, consumer credit, retail banking, mortgages, savings or specialist lending experience.
• Experience in a PRA-regulated firm or complex financial services group.
• Previous SMF approval or direct experience supporting an SMF16 holder.
• Relevant legal, compliance or risk qualification.
• Third party oversight frameworks

Rewards that reflect your value, what’s in it for you?
 
At Tandem, your hard work is rewarded in many ways, and we have an enhanced employee benefits package on offer:

• 25 days annual leave plus 8 days Bank Holiday
• An additional day off for a ‘celebration day’ including, but not limited to, birthdays, weddings, religious holidays, graduations etc
• Buy or sell up to 5 days holiday a year
• Healthcare cash plan through Westfield Health
• Life Assurance at 3 x salary
• Electric Vehicle salary sacrifice scheme
• Cycle to Work salary sacrifice scheme and a free helmet
• Salary sacrifice Pension contribution*, 4% employee contributions matched with 4% Tandem contribution (*Subject to salary eligibility)
• Smart Tech scheme (buy goods with 0% interest)
• 10% discount on solar panels
• Tandem Hub for treats, cash back and discounts on UK retailers
• 2 days per year paid volunteering
• Free cereal, snacks and drinks in all offices
• Quarterly team social budgets

Please note, benefits are based on a permanent contract and some benefits are subject to eligibility criteria, such as passing your probation.

Our Green Deal: Your Impact Amplified

A little welcome gift from us to you, we’ll plant a tree in the Tandem Grove and you can enter into our “Green Deal” below:

• Volunteer 14.25 hours a year for charity > receive a half day on a Friday
• Take part in a fundraising event > Tandem will match up to £200 a year
• Have renewable energy at home > receive an additional 1-day annual leave
• Drive an electric car > receive £500 towards a home charger
• Use public transport or have a low emissions/hybrid car > entry into a £200 prize draw
• Sign up to cycle to work scheme > receive £30 voucher for a cycling helmet

Ready to make your mark? 

Apply now and let's pave the way to a more sustainable world, together. Our approach to DE&I is reflected in our hiring process so please let us know if you require any reasonable adjustments. We will close adverts once we have received enough applications so please apply asap if you’re interested in the role.

Sourcing Model

Recruitment at Tandem works primarily on a direct sourcing model and does not accept resumes from recruitment agencies which are not on the preferred supplier list. We are not responsible for any related fees for resumes submitted to job postings, our employees, or any other part of our company. You can find our Applicant Privacy Policy on our Careers page.
 
Tandem is an equal opportunity employer and are committed to meeting our responsibilities under the Equality Act (2010). We respect the diverse experience and talents that every individual brings to our Company, and we are determined to ensure that no applicant or employee receives less favourable treatment on the grounds of gender, age, disability, religion, belief, sexual orientation, marital status, or race, or is disadvantaged by conditions or requirements which cannot be shown to be justifiable.

Please be aware that background checking (including credit, criminal records and CIFAS Internal Fraud Database Checks) form part of our recruitment process. We will adhere to our duties under the Rehabilitation of Offenders Act 1974