Head of Regulatory Reporting
About the job
- Strong regulatory reporting experience and detailed understanding of prudential regulations.
- Strong analytical and numeracy skills, with the ability and desire to leverage technology for automation.
- Strong time management and attention to detail.
- Ability to operate to a high standard in a dynamic professional environment.
- Qualified accountant (ACA, ACCA, CIMA or equivalent), with experience working within financial services.
- Experience at a senior level of regulatory reporting and policy management.
- Own the preparation, review and submission of the Bank's PRA and Bank of England regulatory returns.
- Maintain a strong regulatory reporting control framework, including reconciliations, review processes, documentation and data lineage.
- Monitor regulatory developments and ensure changes are appropriately reflected in reporting processes, including Basel 3.1.
- Lead the implementation and continued development of the Bank's regulatory reporting system, reducing reliance on manual and spreadsheet-based processes.
- Work closely with Treasury, Risk and FP&A to ensure consistency between regulatory reporting, capital planning, ICAAP and wider balance sheet management.
- Provide analysis of regulatory capital, RWAs and other key prudential metrics to senior management.
- Provide regulatory reporting input into new products, transactions and material balance sheet changes.
- Act as a key point of contact for regulatory reporting matters with senior management, auditors and regulators.
- Lead and develop the regulatory reporting team and promote strong ownership of regulatory data and controls across the Bank.
About the company
LHV Bank is part of LHV Group, the largest domestic financial group in Estonia, offering banking, asset management, and insurance through its four business lines. It obtained a UK banking license and is expanding into SME lending and retail banking, serving a broad customer base with app-based products. It operates by digital banking apps for deposits, payments, savings, and lending, and processes millions of payments each year. Its goal is to grow its Estonian and UK footprint and deepen access to capital and financial services for households and small businesses.
Company Size
201-500
Company Stage
Growth Equity (Non-Venture Capital)
Total Funding
$66M
Headquarters
London, United Kingdom
Founded
1999
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Simplify's Take
What believers are saying
- LHV Bank doubled deposits and loans in 2025, reaching £1.1 billion deposits.
- The PRA granted consumer credit permission in February 2026, enabling overdrafts and deeper retail monetization.
- New AI pilots and the July 2026 MCP launch strengthen low-cost service differentiation.
What critics are saying
- UK retail remains tiny: 5,000 customers in 2025 cannot fund a durable franchise.
- SME lending concentration and rapid deposit growth pressure capital; PRA scrutiny rises through 2026.
- A misstep in AI, fraud, or credit governance can freeze growth and damage the licence.
What makes LHV Bank unique
- LHV Bank pairs Estonia’s engineering culture with a UK banking licence since 2023.
- Its fee-free, interest-bearing current account targets Britain’s £252 billion idle deposits.
- Coinbase has used LHV as its primary European banking partner for ten years.
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Benefits
- Health Insurance
- Dental Insurance
- Vision Insurance
- Life Insurance
- Disability Insurance
- Health Savings Account/Flexible Spending Account
- Unlimited Paid Time Off
- Flexible Work Hours
- Remote Work Options
- Paid Vacation
- Paid Sick Leave
- Paid Holidays