Regulatory Compliance Associate

About this role

About us GoCardless is a global bank payment company. Over 100,000 businesses , from start-ups to household names, use GoCardless to collect and send payments through direct debit, real-time payments and open banking. GoCardless processes US$130bn+ of payments annually, across 30+ countries ; helping customers collect and send both recurring and one-off payments , without the chasing, stress or expensive fees. We use AI-powered solutions to improve payment success and reduce fraud. And, with open banking connectivity to over 2,500 banks , we help our customers make faster, more informed decisions. We are headquartered in the UK with offices in London and Leeds , and additional locations in Australia, France, Ireland, Latvia, Portugal and the United States. At GoCardless, we're all about supporting you ! We’re committed to making our hiring process inclusive and accessible . If you need extra support or adjustments, reach out to your Talent Partner — we’re here to help! And remember: we don’t expect you to meet every single requirement. If you’re excited by this role, we encourage you to apply! The role You’ll be someone who enjoys driving processes through from design to conclusion, taking a proactive approach to managing regulatory obligations across our licences and regulated entities. You will have a great head for project management and organisation. Be comfortable working both independently and collaboratively, knowing when to seek guidance from senior stakeholders to gather the input you need to support the Regulatory Compliance Team’s overall deliverables. While the role sits within the Regulatory Compliance team, you will also have opportunities to support wider Compliance and Risk initiatives across the business as needed. You’ll play a key role in coordinating regulator interactions and supporting critical projects, facilitating entry into new markets at a cutting-edge, dynamic, and high-growth fintech company. We’re approaching ‘Risk’ in Financial Services in a new way. • We are ready to serve everyone, if we wanted to - we ensure Risk does not constrain the business but empowers it to achieve its goals. • We aim to automate as much as we can- we don’t like inefficiencies, nor do we believe that real risk mitigation is achieved by throwing people at the problem; and • We create the best possible customer experience - we want our customers (both internal and external) to look forward to going through our processes. The Risk teams are at the forefront of GoCardless’ expansion. We must ensure that GoCardless adopts, implements and maintains forward-thinking and appropriate processes and controls, often encountering new challenges or issues that require innovative solutions. What excites you • Conducting regulatory assessments with a view to identifying regulatory risks and the path to compliance. • Coordinating and supporting licence and permission variation activities. • Assisting with regulatory reporting to the regulators (FCA, PSR, ASIC, FMA, HMRC) and notifications and acting as a custodian to keep records of all correspondence between regulators or external advice providers. • Supporting with regulatory examinations and audit processes. • Supporting in the delivery of our Consumer Duty Program. • Conducting horizon scanning and updating the regulatory obligations register. • Supporting with regulator engagement where appropriate, including coordinating responses and maintaining regulatory correspondence. • Supporting corporate governance as necessary for the regulated entities to maintain good standing and meet obligations. • Supporting oversight and monitoring activities, including but not limited to key processes run by other affiliates to ensure that they have been designed and are operating effectively. • Supporting the delivery of effective M.I reporting to support the board of directors and the executive management team in exercising effective oversight of the company’s compliance operations. • Creating and curating engaging training material where appropriate. What excites us We’re looking for someone with experience in a regulated financial institution who is passionate about moving to a fast-paced fintech. We’d love to hear from you if you: • Have worked in the world of regulation - within a compliance function, consultancy, or a regulator. You have a track record with FCA-regulated firms. • Have some experience communicating with the FCA or other regulators • Have experience in delivering or supporting change projects and interacting with various stakeholders of varying levels of seniority. • Have experience of regulatory regimes in ANZ, but not essential. • Have strong communication skills, both written and verbal. • Like keeping to deadlines, even when you set them yourself. • Have good operational knowledge of implementing new regulatory requirements, from policy drafting to providing advice. • Enjoy finding and implementing new tools and technologies to drive efficiencies. • Savour a challenge, don’t get disheartened easily and drive projects through to completion. • You are easy to work with, and want to work in a fun, fast-growing, but demanding young company. • You are able to work independently and in a fast-paced environment. Base salary range: £46,400 - £69,600 Base salary ranges are based on role, job level, location, and market data. Please note that whilst we strive to offer competitive compensation, our approach is to pay between the minimum and the mid-point (£46,400 - £58,000) of the pay range until performance can be assessed in role. Offers will take into account level of experience, interview assessment, budgets and parity between you and fellow employees at GoCardless doing similar work. (some of) The good stuff • Wellbeing - stay healthy with dedicated support and medical cover • Work away scheme - gives you the option to work away from your country of residence for up to 90 days in any 12 month period • Adaptive Working - allows you to work flexibly, around your lifestyle • Parental leave - to suit everyone embarking on life's great adventure • Learning Budget - lead your own development with an annual learning budget • Time off - generous holiday allowance, + 3 annual volunteer days, + 4 annual business-wide wellness days (‘GC Fridays’) Life at GoCardless We're an organisation defined by our values ; We start with why before we begin any project, to ensure it’s aligned with our mission. We act with integrity , always. We care deeply about what we do and we know it's essential that we be humble whilst we do it. Working this way creates the GC magic- the reason we all love showing up to work. Diversity & Inclusion As of April 2025, we had 806 employees (GeeCees) globally, with 524 based in the UK, 163 based in Latvia and 119 across our other offices. To ensure that we're representative of the world around us - and to be able to review relevant benchmarks - we ask GeeCees to voluntarily disclose diversity data. This year, the proportion of GeeCees providing data increased to 88% (up from 79% in 2024). With regards to diversity within GoCardless, we can see GeeCees identifying as: Asian, Black, Mixed or Other — 25% Neurodiverse — 9% LGBTQIA+ — 9% Disabled — 1% Average age — 33 Female — 45% Male — 55% We’re rooting for you during your application and GoCardless aims to provide reasonable adjustments to make our recruitment process as remarkable and accessible as we can. Please speak to your Talent Partner if you need extra support. If you want to learn more, you can read about our Employee Resource Groups and objectives here Sustainability We’re committed to reducing our impact on the environment, leaving a more sustainable world for future generations. Check out our sustainability action plan here. Find out more about Life at GoCardless via Twitter , Instagram and LinkedIn .