ACE Money Transfer
Regulatory Compliance Manager
Get notified of more jobs like this · No spam, ever
How your CV stacks up
Upload your CV to see how well it fits this job role
?%
Job Title: Regulatory Compliance Manager
Reporting to: MLRO
Alternate Reporting: CEO
Department: Compliance
Location: UK
Position Summary:
The Regulatory Compliance Manager will embed regulatory requirements into the day-to-day operations of each business area at ACE Money Transfer, working directly with Product, Operations, Customer Service, Technology, Marketing, and the Agent Network to translate the FCA Handbook, the Payment Services Regulations 2017, the Money Laundering Regulations 2017, and other applicable regulations into practical policies, procedures, and controls.
The role is responsible for horizon scanning regulatory change, partnering with business owners to close gaps between what the rules require and how the business actually operates, and building lasting compliance capability within each team rather than relying solely on second-line assurance to catch issues after the fact. The Regulatory Compliance Manager will work closely with the MLRO, Compliance Assurance, and Legal teams to ensure regulatory obligations are owned and understood at the point where decisions are made.
Job Responsibilities:
Regulatory Change & Horizon Scanning
- Monitor regulatory developments from the FCA and other relevant bodies, and assess their impact on ACE's products, corridors, and customer journeys.
- Maintain a regulatory change log mapping new and amended requirements to the business areas they affect, and track implementation through to completion.
- Translate complex regulatory text into clear, practical requirements that business owners can act on.
Embedding Regulatory Requirements in the Business
- Act as the day-to-day regulatory compliance partner for assigned business areas, embedding requirements into existing processes, systems, and ways of working rather than adding compliance as a separate step.
- Work with process owners to identify where current controls fall short of regulatory expectations and agree on practical, proportionate fixes.
- Support business areas in designing new products, journeys, and processes so that regulatory requirements are built in from the outset.
Reasons to use Rodeo
Start with a chat, not a search bar
Grad scheme, placement, apprenticeship? Not sure what you want yet — that's fine. Your agent talks it through with you and turns "I have no idea" into a shortlist.
It searches the market for you
Every day your agent scans the market matching roles against what actually matters to you, not just keywords on a CV.
Only hits
No noise. No "maybe this fits." Just roles with a clear explanation of why they're right — and where to focus when applying.
Policy & Procedure Development
- Draft, review, and maintain compliance policies and procedures that reflect current regulatory requirements and ACE's operating model.
- Ensure policies are genuinely operationalised into business-as-usual activity, working with process owners to update SOPs, job aids, and system workflows as regulation evolves.
- Review new products, campaigns, and customer communications for regulatory compliance, including financial promotions, Consumer Duty, and regulatory requirements, before launch.
Compliance Monitoring Plan
- Develop and maintain a risk-based Compliance Monitoring Plan covering the business areas and regulatory requirements this role is responsible for embedding.
- Schedule and carry out periodic monitoring reviews to confirm embedded controls continue to operate effectively between formal Compliance Assurance review cycles.
- Report monitoring findings to business owners and senior management, and track remediation of any gaps identified through to closure.
Training & Advisory Support
- Design and deliver targeted regulatory training for different business areas, tailored to the risks and requirements relevant to their role.
- Provide day-to-day regulatory advice and interpretation to business stakeholders on new initiatives, queries, and edge cases.
- Build regulatory awareness and a culture of compliance by design across the business, rather than compliance as an afterthought.
Monitoring, Reporting & Governance
- Track the progress of embedding activity across business areas and report to senior management on outstanding gaps and remediation timelines.
- Escalate embedding gaps or emerging non-compliance risks promptly, and coordinate remediation plans with business owners.
- Liaise with the Compliance Assurance and Internal Audit teams to validate that embedded controls are operating effectively in practice.
Get help with your application
Your very own career expert that helps elevate your application to the next level.
Qualifications and Skills:
- Bachelor's degree in Law, Business, Finance, or a related discipline.
- Minimum 5-7 years of experience in a regulatory compliance, compliance advisory, or compliance business partnering role within a regulated financial services environment; payments, e-money, or money remittance experience is a strong plus.
- Proven track record of embedding regulatory requirements into operational processes and working directly with business teams to close compliance gaps.
- Strong knowledge of the FCA Handbook (particularly SYSC, DISP, and the Principles for Businesses), the Payment Services Regulations 2017, and the Money Laundering Regulations 2017.
- Good working knowledge of the Consumer Duty and Vulnerable Customers guidance, and how they apply to a cross-border payments business.
- Ability to translate complex regulatory requirements into practical, proportionate guidance that business teams can implement.
- Strong stakeholder management and influencing skills, with the ability to build credibility and trust with teams at all levels of seniority.
- Excellent written and verbal communication skills, including experience designing and delivering training.
- Self-motivated, highly organized, and able to manage multiple business relationships and priorities at once.
- Experience in a fintech, data-driven, or highly automated environment would be a plus.
- Experience designing and maintaining a risk-based compliance monitoring plan within a regulated financial services environment.
ACE Money Transfer Profile:
“It took my CV and asked me questions relevant to understanding what kind of jobs to suggest for me. Suggestions were almost perfect. Jobs were exactly what I’ve been looking for.”
Jessica, London
Skills