About the role:

• The Compliance Manager plays a key role in supporting and strengthening Enfuce’s second line of defence (2LOD) Risk & Compliance function across the business.

• Reporting into the Risk & Compliance leadership team, this role is responsible for helping ensure that Enfuce operates in line with applicable regulatory obligations across the UK and EU, while supporting the business in scaling responsibly within a fast-moving fintech and payments environment.

• This role combines compliance advisory, monitoring, governance and regulatory change responsibilities. The successful candidate will work closely with teams across Operations, Product, Commercial and Technology, providing pragmatic and commercially aware compliance support while ensuring appropriate challenge and oversight.

• The role requires someone who is comfortable operating both strategically and hands-on, contributing to the ongoing development of compliance frameworks, monitoring activities, regulatory reporting and policy governance, while also supporting broader business initiatives including operational resilience, outsourcing, safeguarding and Consumer Duty.

• The Compliance Manager will play an important role in helping the business navigate regulatory complexity, maintain strong governance standards and continue building scalable, sustainable compliance practices as Enfuce grows internationally.

What you'll be doing:

• Design, deliver and maintain risk and compliance training across the business.

• Perform horizon scanning and coordinate regulatory change initiatives with the first line of defence.

• Develop and execute the Compliance Monitoring Plan, including outcome-focused monitoring activity.

• Track, challenge and support the business in the timely remediation of identified compliance issues and actions, including those arising from monitoring, audits and regulatory interactions.

• Own second line oversight and advice across critical regulatory areas, including Consumer Duty, safeguarding, capital and liquidity, complaints handling, operational resilience and outsourcing.

• Own the firm's policy framework, drafting and maintaining Risk and Compliance policies and providing review and challenge of business policies to ensure alignment with regulatory expectations and good practice.

• Coordinate timely submission of regulatory returns across the firm's reporting obligations, and support internal automation projects by interpreting and mapping data items against reporting requirements.

• Support engagement with regulators (e.g. FCA, FIN-FSA), including coordinating responses to regulatory queries and information requests.

• Act as a point of contact for third-party auditors where required.

• Manage key governance frameworks, including conflicts of interest and whistleblowing.

• Coordinate the Risk and Compliance Committee, including preparation of materials and minute-taking.

• Contribute to broader Risk and Compliance initiatives, including ESG and investor reporting where required.

• Drive safe, ethical and well-governed adoption of AI to deliver operational efficiencies, and provide oversight and challenge of the business's use of AI against regulatory expectations and internal governance standards.

• Lead the development of key compliance reports, including the annual Consumer Duty board report and other periodic regulatory and board reporting.

• Provide risk and compliance support across Enfuce group entities as required.

What you'll bring:

• Strong understanding of the payments and e-money sector, including card issuing, card schemes and BIN Sponsorship models.

• Working knowledge of UK and EU regulatory frameworks (FCA and FIN-FSA), including key topics such as safeguarding, Consumer Duty, outsourcing and operational resilience.

• Strong analytical capability, with the ability to interpret and apply complex regulatory requirements.

• Strong ability to independently research and interpret regulatory requirements, including in new or unfamiliar areas, and apply effective compliance monitoring and advisory practices to deliver high-quality, risk-based assessments.

• Excellent communication and stakeholder management skills, with the ability to provide effective challenge in a constructive manner.

• High attention to detail and strong organisational skills.

• Ability to understand the broader business context and how regulatory requirements impact commercial and operational decisions.

• A proactive and hands-on approach, with a focus on delivering high quality outputs.