To me it feels that it is not a technology company. It is a credit card company using technology in their specific way to achieve their goals. There is nothing wrong with that statement. The question is whether you want to work in a highly bureaucratic technology team full of controls and checks where the main priority feels to be defensive which results to very slow cycles of work. The fact they use AWS is a great thing. The fact that there are processes requiring people to make requests and wait for days to be approved by various teams in various timezones is not great and makes people feel demoralised and frustrated. Privileges are locked down to the minimum which again makes work slow. All these may come down to regulations and rules of the industry.
Induction for new joiners is poor. A set of computer based training taking the first couple of days of the new joiner which feels so impersonal and dull for a fresh starter. Literally the first and only thing you do for days is to complete these trainings and create tens of requests for setting up access for your account. There are also 3 old-school induction days that take place in Nottingham where the offices have a restaurant, gym and it is next to the main train station.