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Fractional UK Compliance Lead

Posted 2 days 22 hours ago by Gofractional

Permanent

Full Time

Other

London, United Kingdom

Job Description

Who you are

Significant compliance experience within UK financial services, ideally in a fintech or other fast-paced regulated environment
Strong working knowledge of the FCA regulatory framework and experience supporting or leading compliance for UK regulated products
Hands on experience maintaining regulatory authorisations, managing FCA reporting obligations, and supporting ongoing regulatory compliance requirements
Experience working directly with the FCA during regulatory reviews, examinations, investigations, or other supervisory interactions
Experience supporting or leading applications for new licences, permissions, or authorisations, ideally including consumer credit or related regulated activities
Ability to balance regulatory rigour with commercial pragmatism, providing clear advice that mitigates risk while enabling business objectives
Strong judgment, ownership, and communication skills, with the ability to operate independently and influence senior cross functional stakeholders
Experience building or maturing compliance programs, frameworks, policies, and controls in a scaling business

Desirable

Experience in a startup or high growth fintech environment
Experience building a compliance program or function with a high degree of autonomy
Strong knowledge of AML and financial crime compliance requirements, with experience serving as an MLRO or operating in a comparable senior AML focused compliance role
Prior people management experience, or readiness to lead and develop at least one team member
Familiarity with product development processes and advising on compliance considerations for new products and features
Relevant compliance certifications or professional qualifications in compliance, AML, or financial crime

What the job involves

We're hiring a UK Compliance Lead to join Cleo's Legal, Compliance & Policy team in a pivotal role focused on building and leading our UK compliance program
This is an opportunity to take ownership of compliance for Cleo's UK regulated products, helping shape the framework, processes, and governance that will support our next phase of growth
You'll serve as the compliance lead for the UK, acting as a key partner to the business and a trusted subject matter expert on FCA requirements, regulatory obligations, and compliance risk
From maintaining existing authorisation and reporting obligations to supporting new licences and approvals tied to future products, you'll play a central role in helping Cleo scale responsibly and confidently in the UK market
This role is ideal for someone who enjoys building from the ground up, thrives in fast moving fintech environments, and is excited by the chance to create a strong, modern compliance program within an international legal, compliance, and policy function
You'll have significant ownership, visibility, and the opportunity to help shape both the regulatory strategy and the team around it
Take ownership of developing and strengthening Cleo's UK compliance framework, ensuring it is fit for a growing fintech business and aligned to regulatory expectations, business strategy, and product expansion
Act as the compliance lead for Cleo's UK regulated offerings, advising on applicable FCA rules and broader regulatory requirements across the product lifecycle, from design and launch through ongoing oversight and change management
Serve as a primary point of contact for UK regulatory matters, including interfacing with the FCA, supporting regulatory queries, examinations, and investigations, and ensuring the business is prepared, responsive, and well documented
Oversee ongoing compliance obligations tied to existing UK authorisations, including regulatory reporting, governance requirements, and internal controls needed to maintain a strong compliance posture
Partner with Legal, Product, and business stakeholders to support applications for new licences, permissions, and authorisations associated with new products, including credit related permissions and other regulated activity as needed
Support and help oversee AML compliance requirements, including advising on relevant regulations, financial crime controls, and governance
Work closely with Legal, Product, Engineering, Operations, and other teams to translate regulatory requirements into practical, scalable processes and controls that enable the business to move quickly while managing risk appropriately
Identify, assess, and escalation compliance risks; support investigations and remediation efforts; and help ensure that complaints, regulatory issues, and business changes are managed in a way that protects both customers and the company
Contribute to the growth of Cleo's broader international compliance capabilities, with the opportunity to build processes, improve governance, and manage at least one direct report as the UK program expands