Head of Payment Solutions and Compliance

Hello, we're Starling. We built a new kind of bank because we knew technology had the power to help people save, spend and manage their money in a new and transformative way. We're a fully licensed UK bank with the culture and spirit of a fast-moving, disruptive tech company. We're a bank, but better: fairer, easier to use and designed to demystify money for everyone. We employ more than 3,500 people across our London, Southampton, Cardiff and Manchester offices. We're looking for a strategic leader to join our Customer & Banking team as the solution owner for our payments capabilities.

In this pivotal role, you'll take full ownership of our key payment services, including FPS, BACS, CHAPS, and cheques, ensuring regulatory compliance, operational excellence, and outstanding customer outcomes. You'll steer the end to end journey for payments, define strategy, and lead on regulatory engagement, particulary around important Business Services (IBS). If you're passionate about shaping the future of payments in a fast-moving environment, this is your chance to make a real impact. Key Responsibilities Include:

Payments ownershipAct as the central owner for our payment services, in particular our Important Business Services (IBS)Help design and implement the Bank's payment strategyContinually evaluate the regulatory and competitive landscapes to understand where potential risks / challenges are, as well as where the key opportunities for growth and development areEnsure all payment journeys are mapped end to end, including system and manual risks and controlsAlongside the MD, define the payment limits and configurations for our key services, balancing our customers' needs for security, convenience and inclusivityAlongside the COO team, work with the Bank's Payment and Reconciliation Operations team to ensure that regulatory expectations are met and that we are delivering good outcomes for customers.

Agree, set and manage SLAs for the COO payments operations teamRepresent Starling at key industry events and forumsRisk and controlLead on risk identification and regulatory mapping, ensuring that payment RCSAs are effectively maintainedOngoing oversight of payment control effectivenessEnsure that all payment incidents which arise are managed in a timely and effective manner, consistent with regulatory expectationsOwn and react to operational reporting, covering Transaction Processing KRIs and MIMaintain live view of current and future regulatory requirements via established horizon scanning and pro-active researchAct as the team's point person for BCP and incident managementRequirementsEssentialsExpertise of key payment regulations (PSR2017 / PSD2 etc) and relevance to Bank operations Deep understanding of payments and the payments landscapeStrong knowledge of our key payment rails FPS / BACS / CHAPS etcKnowledge of payment trends and pay.

uk / PSR evolutionPayments vocation - must care passionately about payments, want to learn more and appetite to upgrade the Bank's understandingConsistently act with the highest ethical standards, ensuring decisions are always in the best interest of our customers, colleagues, and the bank. Lead by example, fostering a culture of trust and transparency across all levelsNice to haveExperience in collaborating effectively across a variety of business areas and ability to interact effectively with all levels.

Diplomacy and emotional intelligence to build strong professional relationships at all levels Hands-on, resilient and adaptable to a fast moving environmentsAbility to communicate complex concepts and issues in a business-friendly manner to senior/executive managementExcellent verbal and written communication skillsBenefits25 days holiday (plus take your public holiday allowance whenever works best for you)An extra day's holiday for your birthdayAnnual leave is increased with length of service, and you can choose to buy or sell up to five extra days off16 hours paid volunteering time a yearSalary sacrifice, company enhanced pension schemeLife insurance at 4x your salary & group income protectionPrivate Medical Insurance with VitalityHealth including mental health support and cancer care.

Partner benefits include discounts with Waitrose, Mr&Mrs Smith and PelotonGenerous family-friendly policiesIncentives refer a friend schemePerkbox membership giving access to retail discounts, a wellness platform for physical and mental health, and weekly free and boosted perksAccess to initiatives like Cycle to Work, Salary Sacrificed Gym partnerships and Electric Vehicle (EV) leasingAbout us: 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. Starling Bank is an equal opportunity employer, and we're proud of our ongoing efforts to foster diversity & inclusion in the workplace.

Individuals seeking employment at Starling Bank 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 Starling Bank will collect your personal data for recruiting and related purposes.

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