Regulatory and Compliance Leader (North America) - Engine by Starling

At Engine by Starling, we are on a mission to find and work with leading banks all around the world who have the ambition to build rapid growth businesses, on our technology. 

Engine is Starling's software-as-a-service (SaaS) business, the technology that was built to power Starling, and two years ago we split out as a separate business. 

Starling has seen exceptional growth and success, and a large part of that is down to the fact that we have built our own modern technology from the ground up. This SaaS technology platform is now available to banks and financial institutions all around the world, enabling them to benefit from the innovative digital features, and efficient back-office processes that has helped achieve Starling's success.

We are on a mission to find and work with leading banks all around the world who have the ambition to build rapid growth businesses, on our technology. We are looking for future leaders to come and join our team, to build client relationships, and work with them to understand their needs and how we can solve them with Engine’s technology.

Who are Engine by Starling

Engine by Starling is transforming the banking landscape with our cutting-edge core banking software. Originally developed to power Starling, our cloud-native SaaS platform is now enabling banks and financial institutions globally to modernize operations and deliver exceptional digital banking experiences. 

We are headquartered in London with offices in Dublin, Sydney and Dubai. We've recently launched in North America where we are establishing an East Coast HQ, as well as our presence in Canada. 

This role will ideally be based in the New York metropolitan area, our preference is that you're located within a commutable distance. Other locations will be considered, and the role will include travel.

About the role

This role is a key leadership role on the Engine NA team and will help develop and sustain a compliant product development and delivery for the U.S. and Canadian markets.
The purpose of this role is to guide the organization, working with both internal and external stakeholders, on developing a regulatory compliant offering for the U.S. and Canada. This role will ensure that Engine:

• Meets the needs of customer requirements from a regulatory and compliance standpoint
• Meets the national and state regulation and reporting requirements
• Effectively delivers the product and capability enhancements to achieve an effective and compliant solution
• Demonstrates the capabilities of the Engine platform to adapt to regulatory reporting and controls

The role works with multiple groups internal and external to the organization:

• Collaborates with Product team to prioritize and guide product development for regulatory, legislative and client compliance requirements.
• Engages key early customers to define requirements and set expectations for product delivery
• Engage regulators to gain feedback and validation on the Engine offering and how we are addressing regulatory needs
• Collaborate with Starling to identify points of synergy (or departure) from Starling model
• Support NA leadership team in understanding key compliance risks and deciding on key priorities to address that support client delivery and business model growth
• Collaborates with the Engine Information Security and Risk & Compliance Teams to support the delivery and implementation of the Risk Frameworks and Policies 

What you’ll get to do

• Be the source of expertise for regulatory and compliance needs for Engine to achieve presence and growth in NA
• Lead development of regulatory and compliance roadmap working closely with product and the Risk teams
• Engage customers on their product and capability priorities, and ensure regulatory and compliance needs are reflected in Engine’s execution model
• Work as a member of the NA leadership team and work closely with the Engine Risk & Compliance Team to support the Engine Management Team in effective risk ownership, identification, management and mitigation.
• Provide appropriate and timely Management Information (MI) and reporting to ensure the Management Team / Board are aware of all relevant matters and that issues are tracked to resolution.
• Contribute to the upskilling of all those in Engine regarding regulatory compliance and risk management. 
• Support in the management of Engine’s NA Client Audits and where appropriate the Engine response to information and data requests from Regulator(s) and Clients as necessary.
• Contribute to the embedding of a robust and pragmatic risk culture within Engine, by both supporting and constructively challenging.

Behaviours & Competencies:

• Able to build strong relationships with key stakeholders (both internal and external), and engage constructively at all levels to achieve positive outcomes. 
• Experience of Payment Services Regulations compliance (in US and Canada)
• Proven ability to deliver and manage regulatory compliance requirements, escalating as necessary and tracking actions to resolution.
• Delivering regulatory reporting and notifications in a timely manner and with appropriate internal challenge.
• Able to demonstrate having collaborated effectively on key matters, for example engaging with key internal and external stakeholders to deliver regulatory change/compliance. 
• Ability to be self motivated / self-starter in a highly autonomous environment
• Ability to work confidently and effectively in a collaborative team with a flat structure and in a variety of contexts and situations.
• Ability to challenge in a positive manner and deliver pragmatic decisions in a commercial context
• Embody Engine’s risk culture across the organisation.

Skills:

• Risk Management, Compliance or Operational Payment Services experience in North America, emphasis on U.S.
• Experience of working in a banking, e-money, payment services or financial services environment in US 

• Track record of delivery by taking ownership and driving tasks to completion.
• Operational risk experience including any of the following; transaction banking, savings, ending and cards, International & Domestic Payments
• Confident communicator at all levels with the ability to convey complex in a simplified manner to individuals across all levels. 
• Strong presentation and facilitation skills
• Strong interpersonal skills experienced in engaging with internal and external stakeholders. 
• Strong attention to detail.
• Knowledge and experience of ISO27001, PCI DSS/3DS and SOC 2 Type 2 certification and compliance frameworks would be an advantage.

Interview process

Interviewing is a two way process and we want you to have the time and opportunity to get to know us, as much as we are getting to know you! Our interviews are conversational and we want to get the best from you, so come with questions and be curious. In general you can expect the below, following a chat with one of our Talent Team:

• Interview with someone from the Engine BD team and Engine Compliance team
• Interview with Engine Legal Team
• Final interview with Engine’s North American President and VP of Business Development

• Medical, Dental, and Vision insurance plan options
• 401(k) with company match of 100% of the first 4%
• Company-paid Long-Term Disability, and Life and AD&D insurance
• Optional ancillary benefits such as Short-term Disability, Accident Insurance, Legal & ID Protection, and more
• 20 days annual vacation PTO and 11 Paid Holidays

You may be put off applying for a role because you don't tick every box. Forget that! While we can’t accommodate every flexible working request, we're always open to discussion. So, if you're excited about working with us, but aren’t sure if you're 100% there yet, get in touch anyway. We’re on a mission to radically reshape banking – and that starts with our brilliant team. Whatever came before, we’re proud to bring together people of all backgrounds and experiences who love working together to solve problems.

Engine by Starling is an equal opportunity employer, and we’re proud of our ongoing efforts to foster diversity & inclusion in the workplace. Individuals seeking employment at Engine by Starling are considered without regard to race, religion, national origin, age, sex, gender, gender identity, gender expression, sexual orientation, marital status, medical condition, ancestry, physical or mental disability, military or veteran status, or any other characteristic protected by applicable law. 

When you provide us with this information, you are doing so at your own consent, with full knowledge that we will process this personal data in accordance with our Privacy Notice. By submitting your application, you agree that Engine by Starling and Starling will collect your personal data for recruiting and related purposes. Our Privacy Notice explains what personal information we will process, where we will process your personal information, its purposes for processing your personal information, and the rights you can exercise over our use of your personal information.