Birchlake Recruitment Engagement Hub

Operational Risk Officer

Kent

Permanent

Full-time

Job ID:

32997

Published date:

2025-04-03

Summary

Role details
POSITION:	Operational Risk Officer	DEPARTMENT:	Risk
REPORTS TO:	Chief Compliance Officer	DIRECT REPORTS:	0
LOCATION:	Head Office, Sundridge (hybrid)	DATE:	March 2025

Compliance at Blue

The Risk Department at Blue is organised around five principal risks (Operational Risk, Regulatory Risk, Financial Crime, Data Protection, and Legal) and is led by our Chief Risk Officer (SMF16/17). The department operates independently as a second line of defence, however, works collaboratively with first line areas across the business to provide oversight, challenge, advice, and assurance, in relation to the key business objectives, and in line with the Blue Motor Finance ‘beliefs’ (values).

Overall purpose of the role

This is a second line role, and its focus is to support the embedding and ongoing development of the risk management framework and supporting RCSA processes at Blue, with a particular focus on operational risk management and KRI reporting, providing an appropriate balance of support, guidance, and challenge to achieve regulatory compliance, operational effectiveness, and good customer outcomes. Reporting to the Chief Compliance Officer, you will be required to support the embedment and ongoing maintenance of the Operational Risk Management Framework and supporting risk registers.

Key responsibilities and accountabilities

To support the Chief Compliance Officer in the implementation of the Operational Risk Management Framework and supporting standards and RCSA risk tools.
Support operational risk engagements with the Blue 1LOD to ensure that the risk management framework is embedded, with particular focus on risk and control management, control testing, and risk event/breach management.
Liaise with first line business areas to ensure that you understand key processes and how controls support the achievement of operational risk prevention, identifying gaps and weaknesses that need to be addressed.
To provide challenge, advice, and guidance to the 1LOD at Blue around products, processes, and services, and ensure that risks are identified, assessed, mitigate/managed/accepted, and monitored by the 1LOD.
Observe and champion Blue’s code of conduct and the FCA’s Conduct rules including demonstrating the expected behaviours to deliver good outcomes for customers.
Liaise and partner with Compliance, Financial Crime, Data Privacy, and Legal colleagues within the 2LOD, to ensure when their expertise is required in relation to 1LOD interactions, this is organised, and all SMEs are present for key discussions and decisions.
Support operational risk reporting where requested.

Compliance and regulation:

Develop and maintain a full understanding of the Company’s compliance requirements (including the Financial Conduct Authority’s Conduct Rules) and act in accordance with the standards, instructions in, and the spirit of those requirements.

Take responsibility for ensuring that personal data within your remit is handled lawfully, fairly, and in line with the company’s data protection policies and procedures. Collaborate with the Data Protection Officer to ensure compliance with data protection standards, guidelines, and principles, acting in a manner that upholds these requirements while supporting the DPO’s overall oversight responsibilities.

For customer data, ensure it is processed securely and in accordance with data privacy obligations to protect the rights of individuals.

Person specification

3 years operational risk experience in an FCA regulated environment or 5+ years’ experience in a 1LOD operations role with a sound knowledge of operational risk best practice.

Focused on customer outcomes and sound understanding of the Consumer Duty.
Demonstrated ability to effectively analyse risk and apply sound judgement in a timely manner.
Strong audit or assurance testing background.
Proven ability to write detailed policies and procedures, and breach reports.
Good team player, flexible and able to work on own initiative, whilst recognising where support is required.
Strong interpersonal skills, able to establish effective working relationships, and influence at all levels.
Appreciates the importance of accuracy, attention to detail and professionalism.
Demonstrates a sense of urgency and good work ethic.
Ability to work with competing deadlines and priorities.
Resilient, not derailed by a setback and returns to a high level of performance quickly.
Excellent internal customer service skills.
Comfortable and competent with MS Office.
Comfortable identifying and raising issues, even with senior colleagues, particularly where driving good outcomes for customers are concerned.
The role holder must carry out their role in a way that is aligned to the Purpose, Mission, and Beliefs at Blue.

Additional requirements

This document is neither contractual nor exhaustive and may be amended to meet the needs of the business. Where possible this will be done in consultation with the job holder.
From time to time, and within reason, you may be required to carry out tasks that fall outside of your position’s remit.
From time to time, and within reason, you may be required to work outside of your standard contracted hours.
As part of your on-going development, you may be required to undertake training to meet the requirements of your role.
Due to our remote location and lack of public transport it is suggested that you are a driver and are able to get to our offices in Sundridge, Sevenoaks albeit hybrid working is in place.

Read More Apply Now

Client Manager

Cheshire

Permanent

Full-time

Job ID:

32964

Published date:

2025-04-01

Summary

Client Manager

Equilibrium is more than just a Chartered Financial Planning company—we’re an award-winning, independent firm based in Handforth, Cheshire, with one clear purpose: making people’s lives better. Whether it’s our clients, our team, our community, or anyone who crosses our path! We believe in creating a positive impact in everything we do.

We’ve been named one of the top 10 companies to work for in the Best Companies Top 100 List 2023, and we’re the #2 Best Financial Services Company to work for in the UK. Plus, we’re proudly managing over £1.25bn in assets for our clients. Ready to be part of something big? This is where it all happens!

Finding the right people is the secret to our success. We're incredibly proud of our amazing team and their dedication to excellence. Join us and you'll enjoy fantastic benefits, a challenging, exciting role, with boundless opportunities for growth and development. We’re serious about what we do, we don’t take ourselves too seriously though, and make time for fun along the way too!

We're not your typical financial planning firm, and this isn't your typical paraplanner role. We believe that every financial plan should be unique. Our goal is to provide our clients with a life plan that empowers them to live the life they want, look after those they love and leave a powerful legacy. Within the role, you will support our financial planners whilst having day-to-day responsibility for a bank of clients. You will also be expected to proactively manage and build relationships with clients.

To achieve this, our new Client Manager will:

Attend client meetings alongside the Financial Planner and create meeting minutes that accurately reflect the information gathered to fully document a client's financial needs and objectives

Maintain an ongoing relationship with the clients, keeping them informed, answering queries and arranging review meetings

Work alongside the Financial Planner following meetings to discuss the client's circumstances and be involved in creating and implementing a financial strategy to meet the client's financial objectives and circumstances

Maintain an ongoing relationship with the clients, keeping them informed, answering queries and arranging review meetings

Carry out research and analyse products and services that are appropriate to each client's financial circumstances and discussing appropriate solutions with the Financial Planner

Prepare clear investment strategy, mandate, and recommendation reports, ensuring adherence with regulatory standards for review by the Financial Planner

Complete quarterly reviews of clients’ portfolios to support the ongoing client relationship, including maintaining a client file review system to regularly assess client holdings and changing financial priorities

Effectively use research and planning systems such as Analytics, O&M, Voyant, Papercloud and wrap platforms such as Nucleus

Be responsible for ensuring that recommendations are fully implemented in a timely manner

Maintain up-to-date knowledge of the industry, compliance and regulatory developments

Work in line with the requirements of the Consumer Duty legislation to achieve the best outcomes for our clients

Qualifications

Chartered Insurance Institute (CII) Level 4 Diploma in Regulated Financial Planning, or an equivalent qualification

At Equilibrium, we live our values through the following:

Integrity – we treat everyone with respect, take responsibility for ourselves and what we do, and are open and authentic in all of our dealings

Growth – we foster a growth mindset, with a curiosity and desire to learn and grow both professionally and personally

Simplicity – we look for the clearest path to the best outcome, being adaptable in our approach. We are clear communicators with the ability to land a message appropriate to our audience

Excellence – we will consistently work to high standards, showing great care and attention to detail in everything that we do

So why join us?

At Equilibrium, the work environment is fast-paced. We have a hard-working, energetic team, who adapt to change easily. We are a friendly and supportive bunch, and Equilibrium’s culture is rooted in fun, collaboration, learning, and growth. We strive for excellence, setting high standards, while fully committing to supporting and nurturing your development, which means we expect your best but we’ll also give you ours.

Helping people live the lives they want to live, look after those they love, and leave powerful legacies is part of the day job. We genuinely want to help create more choices and more freedom for our clients, ultimately making their lives, and the lives of those around them, better.

To support our team's development, we cover the costs of study materials and exam fees for relevant qualifications. Additionally, we offer paid study and exam leave.

We offer an exciting, performance-driven bonus of up to 7%, designed to reward the entire team for successfully completing projects and achieving key milestones. Our team oriented incentive recognises collective effort and results, ensuring everyone shares in the success.

To ensure a healthy work-life balance, we provide a minimum of 33 days holiday plus bank holidays, which can increase to 38 days based on length of service. We also offer a flexible working framework, allowing team members to work from home when appropriate and where reasonable, flex their work hours, in line with business requirements. We also provide the benefits you’d expect from an award-winning company such as bonuses, pension, death in service, income protection and more.

Read More Apply Now

Best Practice Associate (Compliance)

Cheshire

Permanent

Full-time

Job ID:

32931

Published date:

2025-03-31

Summary

Our client is a Cheshire based, award-winning, independent Chartered Financial Planning firm and they are looking to appoint a Best Practice Associate due to continued growth. They offer an amazing set of company benefits in addition to a competitive salary.

Role Overview:

As a Best Practice Associate, you will be responsible for helping drive excellence for both clients and team members. This is a varied role where you’ll ensure that financial advice adheres to the highest standards of compliance and delivers excellent outcomes for clients. You will also collaborate with internal teams to improve service quality, challenge policies where necessary, and support the continuous development of the Best Practice culture.

Key Responsibilities:

Conduct file and annual reviews to ensure the suitability of advice and adherence to regulatory standards.
Review financial promotions (website, blogs, articles) for clarity, fairness, accuracy, and compliance.
Handle complaints in accordance with regulatory guidelines and internal procedures.
Collaborate with Financial Planners and Client Managers to provide advice that meets clients' objectives and circumstances.
Work with all areas of the business to embed the culture of Best Practice, Consumer Duty, and Treating Customers Fairly.
Assist in the development and review of internal policies, procedures, and regulatory documentation.
Challenge existing policies and procedures to improve outcomes and efficiencies.
Ensure all data is inputted and maintained accurately within agreed timelines.
Participate in relevant projects and support ad hoc tasks as required.

Requirements:

A Chartered Insurance Institute (CII) ;.
Desirable to have a Chartered Insurance Institute (CII) Level 6 Advanced Diploma in Financial Planning or equivalent
Proven experience within a financial planning or compliance role, ideally with a focus on Best Practice and regulatory standards.
Excellent attention to detail and experience with compliance and regulatory frameworks.
Ability to work collaboratively and communicate effectively across departments.
Ability to manage multiple tasks effectively and meet deadlines.
A proactive and solutions-oriented approach to challenges.

This award-winning firm offer:

Support of your career growth with paid study leave and they cover the costs of exams and study materials for relevant qualifications.
A minimum of 33 days holiday plus bank holidays, increasing to 38 days based on length of service.
Flexible working hours and the opportunity to work from home are also available.
In addition to a competitive salary, the company offers a range of benefits including; a bonus scheme, pension (5% matched), life assurance (4x pensionable salary), death in service, income protection, profit share, 3 paid charity days per year, Enhanced sick pay, enhanced maternity/paternity pay, free parking and free breakfast, employee discounts and financial support for counselling.

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T&C Supervisor

Remote

Permanent

Full-time

Job ID:

32898

Published date:

2025-03-07

Summary

1

Job Description | Version Number: 01

Wren Sterling is a trading name of Wren Sterling Financial Planning Limited, which is authorised and regulated by the Financial Conduct Authority. The Financial Services Register number is 665653. Registered office: 13-19 Derby Road, Nottingham NG1 5AA. Registered in England No. 09157918.

February 2024

Job Description

Title: T&C Supervisor

Company: Wren Sterling Financial Planning Limited

Reports To: T&C Manager

Company Overview Wren Sterling is a progressive UK-wide independent financial advice business. In complex

markets that change frequently, we help our Corporate and Personal clients make the right

financial choices through the provision of independent financial advice which is uniquely tailored

to their specific needs. Wren Sterling specialises in all aspects of savings, investments, and

retirement planning to individuals. Through successful partnerships with Building Societies, we

deliver independent financial advice to their customers. For corporate clients we provide advice

on engaging employees through the provision of group risk, protection, and other employee

benefit solutions.

Role Outline The role will facilitate and help deliver the Wren Sterling T&C requirements as defined by the

FCA and the firm. To provide effective monitoring and control in the firm and to support the

adherence of advisers and line management, whilst reporting shortcomings through the

appropriate reporting lines.

A key responsibility in this role is to faciliate the effective induction for all new recruits into Wren

Sterling, creating bespoke plans dependent upon the individuals qualifications, expertise, and

previous experience. The overall target is to ensure prompt attainment of CAS for all new starters.

Via collation of relevant data, provide sales management with accurate and meaningful data

relating to adviser RAG status, with detailed breakdown of rationale.

The role will be fully responsible for meaningful and effective supervision of all amber and red

advisers to ensure Wren Sterling meets its requirements as set out in T&C manual and adheres

to T&C rules.

The post holder will carry out desk based supervision of green advisers, liaising with sales

management and QA team as necessary regarding coaching and development.

2

Job Description | Version Number: 01

Wren Sterling is a trading name of Wren Sterling Financial Planning Limited, which is authorised and regulated by the Financial Conduct Authority. The Financial Services Register number is 665653. Registered office: 13-19 Derby Road, Nottingham NG1 5AA. Registered in England No. 09157918.

Role Competencies

Influencer Achiever Developer

Business Ethics X

Communication X

Organisation X

Customer Service X

Leadership X

Teamwork X

Technology X

Expertise X

Qualifications Essential:

• Minimum of 6 years’ experience within a regulated or financial services environment in

particular a training and competency environment.

• Relevant industry qualifications, at least to QCA Level 4 or equivalent, and including

H15/J07

Desirable:

• Experience of working in a compliance or audit and risk function;

• Previous experience of reviewing Occupational Pension Transfers or ETV, PIE exercises.

• G60/AF3

• Working knowledge of business operations and practices

Principle Objectives and Responsibilities Include the following but not exclusive to:

• The post holder is at the forefront of ensuring that advisers gain and retain competence

for the roles they are performing, and for developing this competence, thereby

effectively managing risks to the business.

• Via collation of relevant data, provide sales management with accurate and meaningful

data relating to adviser RAG status, with detailed breakdown of rationale.

• Faciliate the effective Induction for all new Financial Advisers into Wren Sterling, creating

bespoke plans dependent upon the individuals qualifications, expertise, and previous

experience to ensure they achieve Competent Adviser Status (CAS) without delay.

3

Job Description | Version Number: 01

Wren Sterling is a trading name of Wren Sterling Financial Planning Limited, which is authorised and regulated by the Financial Conduct Authority. The Financial Services Register number is 665653. Registered office: 13-19 Derby Road, Nottingham NG1 5AA. Registered in England No. 09157918.

• The role will be fully responsible for meaningful and effective supervision of all amber

and red advisers to ensure Wren Sterling meets its requirements as set out in T&C manual

and adheres to TC rules.

• The post holder will carry out desk based supervision of green advisers, liaising with sales

management and QA team as necessary regarding coaching and development.

• As such the results should be highly visible. They should develop close working

relationships at all levels with all staff of the firm, especially sales management and the

QA unit. They will promote good practice of Compliance and Adviser Excellence

throughout the firm, ensuring they can demonstrate Wren acts to ensure good client

outcomes.

• To complete relevant activities in a professional manner.

• To attend formal training when required and to adhere to internal and regulatory

requirements at all times.

• To attend adviser meetings/conferences/team meetings to exchange views on industry

and other relevant issues in line with internal procedures. Input and ideas from advisers

must be encouraged.

• To report material breaches to the Head of Risk immediately. In the absence of the Head

of Risk such notification should immediately be made to the Risk & Compliance Director.

• Promote professional behavior by demonstrating courtesy and respect to all colleagues

and following the Company’s equality and diversity policy at all times.

• Ensuring health and safety policies are observed.

• Completion of other reasonable duties, as defined by the Senior Management Team.

Knowledge Required

• Up to date knowledge of various rule books in particular T&C, regulations and codes

relevant to the firm.

• Good working knowledge of IO and application of extraction of MI required to ascertain

KPI data, MI reporting on all advisers.

• Understanding of industry developments and the impact on Wren Sterling

Skills Required

Essential skills:

• IT literate, including all Microsoft Packages.

• Good interpersonal relationship skills

• Positive team working and collaboration.

• Well organised, readily able to work to agreed, sometimes challenging deadlines.

• Effective communicator with good written and oral communication skills

• Flexible and supportive approach to working practices.

4

Job Description | Version Number: 01

Wren Sterling is a trading name of Wren Sterling Financial Planning Limited, which is authorised and regulated by the Financial Conduct Authority. The Financial Services Register number is 665653. Registered office: 13-19 Derby Road, Nottingham NG1 5AA. Registered in England No. 09157918.

• Influencing – able to report to other business areas and members and where necessary

influence behaviour and attitudes to improve compliance and business practices.

• Flexibility / adaptability – able to adapt to changes in the business and its practices and

regulatory / legal amendments.

• Drive own development – highly motivated to achieve work tasks and to assist with the

management of their own development – knowledge and skills improvement.

• The ability to work to deadlines and to prioritise workloads to ensure that business

commitments and objectives are met.

• Attention to detail- able to produce accurate and meaningful data required for RAG

reporting and other MI as required by Risk & Compiance Director.

Desirable Skills:

• Presentation skills – confident to speak to groups of people both internally and externally.

• Project Management experience

Key performance Indicators The performance of the staff member assigned to this job role function shall be measured by:

• Effectiveness of Induction programme- time taken for new starters to achieve CAS

• RAG ratings of individual advisers within their supervision

• File quality results of the advisers within their supervision

• Feedback from senior colleagues, advisers and team members.

• Adherence to all company policies and procedures.

• Adherence to compliance and other legal regulatory processes.

The above statements are intended to describe the general nature and level of work being

performed by the person taking the role of this job. They are not intended to be an exhaustive

list of all responsibilities and activities required of the position.

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Compliance Review Officer

Leicester, UK

Permanent

Full-time

Job ID:

32865

Published date:

2025-02-24

Summary

Job title	Compliance Review Officer (Financial Promotions)
Department/Section	Compliance
Location	Leicester, Merus Court
Main purposes of job	To ensure compliance with regulatory requirements within the HL Partnership network. Providing and recording approval to AR firms in respect of stationery, financial promotions and other customer facing materials. Analysis of the materials provided to consider whether the AR firm or promotions pose a risk of harm to the network or consumers. Ensure accurate records are maintained, concerns are escalated, and any corrective action taken where appropriate.
Key Tasks	Maintain records of AR firms’ financial promotions on the network systems, cross reference with HLP database and schedule appropriate reviews Responsible for the delivery of compliance controls including carrying out spot checks of websites, emails, banners, advertisements, and social media Assess and carry out desk-based reviews of AR firms’ financial promotions, within agreed service levels and recommendations made where appropriate – this will include documenting all details of the planned financial promotion - ensuring feedback is followed up until fully completed Provide appropriate and constructive feedback to AR’s where areas for improvement are identified, i.e., setting up marketing campaigns and ensuring clear, fair, and not misleading Report any areas of risk identified to the line manager and RCM agreeing remedial action where appropriate Produce MI reports as directed Maintain records of all decisions concerning the financial promotions. Report any breaches in line with the network Breaches policy, ensuring a record is held on file Provide training of financial promotions to team members.

Responsible for staff/equipment	N/A
Salary Banding	£22,000 - £25,000pa
Reporting to	Technical Compliance Manager

Description of Individual

Qualifications

CeMAP or equivalent professional qualification (desirable)

Skills/competencies

Able to demonstrate a level of industry knowledge and experience to conduct the role

Ability to recognise and apply other legislator requirements i.e., codes from by ASA, Telecommunications regulations. Etc.

Excellent verbal and written communication skills, with good presenting skills

The ability to analyse information and make informed decisions

Understanding of the legislative frameworks that financial services operate i.e., DPA 2018, FSMA, etc.

Strong time management and organisational skills

Good team player, but with a definite ability to work under own initiative

Strong focus on delivery of good customer outcomes, with can do approach

Competent with Microsoft office suite i.e., excel, word, PowerPoint etc

Experience Required

Minimum 2 years of experience in a similar role within the financial services sector

Knowledge of FCA Handbook and Financial Promotion requirements

Ability to maintain and follow defined procedures, with confidence to make suggestions for improvement to internal procedures.

Experience of working under pressure, working to tight deadlines, and exceeding these

Personal qualities

Highly self-motivated and with strong personal discipline to meet key objectives

Recognises the conduct expected when in a regulated role

Confident and assured manner when discussing financial services regulatory matters, whilst maintaining an informative and consultative style

A real desire to provide support and to assist the network to stay safe in the highly regulated environment

Flexible attitude to engaging with other tasks within the compliance team environment that are commensurate with this role.

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Wealth & Asset Management Senior Consultant

UK

Permanent

Full-time

Job ID:

32832

Published date:

2025-02-24

Summary

Wealth & Asset Management Senior Consultant – Job Description

The Business

Square 4 is a dynamic and ambitious firm that specialises in providing consulting and resourcing services. We provide tailored advisory support to regulated firms on all governance, risk and compliance related matters and temporary resource to support short term operational challenges.

Our mission in supporting firms across a complex and challenging regulatory agenda is to provide an unrivalled level of interaction – service and expertise, helping to protect firms and allowing them to ultimately grow and thrive.

At Square 4, we embody a spirit of innovation, dedication, and excellence in everything we do. We take pride in serving a diverse range of clients, spanning from various segments within the financial services industry such as Retail Banks, Consumer Credit, Life and Pensions, Wealth and Asset Managers, Private Equity, to Utilities and Telecommunications firms.

We are a commercial business, but our purpose and values extend beyond top line. We want our business to be a force for good and are committed to making a difference for our people, our clients, and our communities.

We are committed to making a difference for our people, our clients, and our communities and so with a name like Square 4, it was an easy decision to give 4% of our earnings back to charities yearly.

Responsibilities

The primarily responsibility of the Senior Consultant is to support in the delivery of advisory engagements to our clients. Additionally, the role entails contributing to ‘take to market’ initiatives and business development.

Key aspects associated with the role include:

Acting as an ambassador for Square 4 across the industry.

Leading the development of bespoke solutions to enable our clients to meet their regulatory and operational obligations.

Leading on the production of material and activities for all aspects of client delivery such as training, reports, presentations, business gap analysis, project planning, risk management, in-depth case reviews, time management in line with the project budget.

Providing regulatory and conduct risk-focused subject matter expertise as required to support the delivery of our existing and prospective engagements.

Supporting in business development activity by providing regulatory and industry insights, contributing to thought leadership content, participating in webinars and roundtables, engaging with stakeholders, supporting sales bids, delivering presentations, and other relevant tasks.

Providing leadership to a team of consultants, including associate resources and supporting the advisory director's directives.

Assisting in the recruitment of new team members.

Actively participating in client account management, developing and fostering close relationships with key stakeholders.

Working collaboratively across the business to support strategic initiatives, business planning, operations and other activities to support the ongoing growth of the business.

You should relish the opportunity to take on immediate responsibility and gain a wide range of experience from day one as part of a fast-growing company.

Core Values, Behaviours and Requirements

You have, and can demonstrate, the following skills and attributes:

Alignment with our core values: innovation, passion, engagement and a commitment to delivering excellence.

An outstanding work ethic combined with a desire for continuous learning and personal development.

Exceptional multitasking skills, coupled with fantastic organisation and acute attention to detail.

Strong analytical and gap analysis ability.

A can-do attitude and an ability to “get things done” efficiently under tight deadlines, with the ability to prioritise and adapt accordingly.

Creative problem-solving abilities, maintaining an innovative and solution-orientated approach.

Proactive and high-energy demeanour, coupled with confidence in your own ability and skillset.

Outstanding professional communication skills – both written and oral.

Proficient in communicating effectively and transparently with team members, actively listening to others' perspectives and providing constructive feedback when necessary.

Demonstrated ability to collaborate seamlessly within cross-functional teams, fostering a culture of trust, respect, and mutual support.

Knowledge and a practical understanding of the UK financial services sector and FCA regulatory agenda.

A comprehensive understanding of the regulatory and supervisory landscape.

A thorough understanding of the ‘nature’ of consulting, with a strong ability to apply a consultancy mindset to everyday tasks (demonstrating conscientious consultancy principles).

Company Benefits

We provide the following benefits to our permanent employees:

The opportunity to work in a fast-growing company with a well-defined mission and values that are actively practiced each day.

Option to work remotely or in our London-based office.

Flexible working arrangements tailored to accommodate business requirements.

Unlimited holiday to promote work-life balance.

Corporate away days, including team-building activities.

Opportunities to take part in volunteer days.

Investment in personal development and support for career aspirations through provided funding for training and qualifications.

Participation in an EMI (Enterprise Management Incentive) – share option plan (by exception).

Pension scheme.

Private medical insurance provided by BUPA.

Read More Apply Now

Retail Lending Senior Consultant

UK

Permanent

Full-time

Job ID:

32831

Published date:

2025-02-24

Summary

Retail Lending Senior Consultant – Job Description

The Business

Square 4 is a dynamic and ambitious firm that specialises in providing consulting and resourcing services. We provide tailored advisory support to regulated firms on all governance, risk and compliance related matters and temporary resource to support short term operational challenges.

Our mission in supporting firms across a complex and challenging regulatory agenda is to provide an unrivalled level of interaction – service and expertise, helping to protect firms and allowing them to ultimately grow and thrive.

At Square 4, we embody a spirit of innovation, dedication, and excellence in everything we do. We take pride in serving a diverse range of clients, spanning from various segments within the financial services industry such as Retail Banks, Consumer Credit, Life and Pensions, Wealth and Asset Managers, Private Equity, to Utilities and Telecommunications firms.

We are a commercial business, but our purpose and values extend beyond top line. We want our business to be a force for good and are committed to making a difference for our people, our clients, and our communities.

We are committed to making a difference for our people, our clients, and our communities and so with a name like Square 4, it was an easy decision to give 4% of our earnings back to charities yearly.

Responsibilities

The primarily responsibility of the Senior Consultant is to support in the delivery of advisory engagements to our clients. Additionally, the role entails contributing to ‘take to market’ initiatives and business development.

Key aspects associated with the role include:

Acting as an ambassador for Square 4 across the industry.

Leading the development of bespoke solutions to enable our clients to meet their regulatory and operational obligations.

Leading on the production of material and activities for all aspects of client delivery such as training, reports, presentations, business gap analysis, project planning, risk management, in-depth case reviews, time management in line with the project budget.

Providing regulatory and conduct risk-focused subject matter expertise as required to support the delivery of our existing and prospective engagements.

Supporting in business development activity by providing regulatory and industry insights, contributing to thought leadership content, participating in webinars and roundtables, engaging with stakeholders, supporting sales bids, delivering presentations, and other relevant tasks.

Providing leadership to a team of consultants, including associate resources and supporting the advisory director's directives.

Assisting in the recruitment of new team members.

Actively participating in client account management, developing and fostering close relationships with key stakeholders.

Working collaboratively across the business to support strategic initiatives, business planning, operations and other activities to support the ongoing growth of the business.

You should relish the opportunity to take on immediate responsibility and gain a wide range of experience from day one as part of a fast-growing company.

Core Values, Behaviours and Requirements

You have, and can demonstrate, the following skills and attributes:

Alignment with our core values: innovation, passion, engagement and a commitment to delivering excellence.

An outstanding work ethic combined with a desire for continuous learning and personal development.

Exceptional multitasking skills, coupled with fantastic organisation and acute attention to detail.

Strong analytical and gap analysis ability.

A can-do attitude and an ability to “get things done” efficiently under tight deadlines, with the ability to prioritise and adapt accordingly.

Creative problem-solving abilities, maintaining an innovative and solution-orientated approach.

Proactive and high-energy demeanour, coupled with confidence in your own ability and skillset.

Outstanding professional communication skills – both written and oral.

Proficient in communicating effectively and transparently with team members, actively listening to others' perspectives and providing constructive feedback when necessary.

Demonstrated ability to collaborate seamlessly within cross-functional teams, fostering a culture of trust, respect, and mutual support.

Knowledge and a practical understanding of the UK financial services sector and FCA regulatory agenda.

A comprehensive understanding of the regulatory and supervisory landscape.

A thorough understanding of the ‘nature’ of consulting, with a strong ability to apply a consultancy mindset to everyday tasks (demonstrating conscientious consultancy principles).

Company Benefits

We provide the following benefits to our permanent employees:

The opportunity to work in a fast-growing company with a well-defined mission and values that are actively practiced each day.

Option to work remotely or in our London-based office.

Flexible working arrangements tailored to accommodate business requirements.

Unlimited holiday to promote work-life balance.

Corporate away days, including team-building activities.

Opportunities to take part in volunteer days.

Investment in personal development and support for career aspirations through provided funding for training and qualifications.

Participation in an EMI (Enterprise Management Incentive) – share option plan (by exception).

Pension scheme.

Private medical insurance provided by BUPA.

Read More Apply Now

Retail Lending Consultant

UK - Remote

Permanent

Full-time

Job ID:

32830

Published date:

2025-02-24

Summary

Retail Lending Consultant – Job Description

The Business

Square 4 is a dynamic and ambitious firm that specialises in providing consulting and resourcing services. We provide tailored advisory support to regulated firms on all governance, risk and compliance related matters and temporary resource to support short term operational challenges.

Our mission in supporting firms across a complex and challenging regulatory agenda is to provide an unrivalled level of interaction – service and expertise, helping to protect firms and allowing them to ultimately grow and thrive.

At Square 4, we embody a spirit of innovation, dedication, and excellence in everything we do. We take pride in serving a diverse range of clients, spanning from various segments within the financial services industry such as Retail Banks, Consumer Credit, Life and Pensions, Wealth and Asset Managers, Private Equity, to Utilities and Telecommunications firms.

We are a commercial business, but our purpose and values extend beyond top line. We want our business to be a force for good and are committed to making a difference for our people, our clients, and our communities.

We are committed to making a difference for our people, our clients, and our communities and so with a name like Square 4, it was an easy decision to give 4% of our earnings back to charities yearly.

Responsibilities

The primarily responsibility of a Consultant is to support in the delivery of advisory engagements to our clients. Additionally, the role entails contributing to ‘take to market’ initiatives and business development.

Key aspects associated with the role include:

Acting as an ambassador for Square 4 across the industry.

Supporting the delivery of consulting engagements through strong regulatory knowledge and industry knowledge of best practices.

Supporting the development of critical materials for delivery (e.g. reports, presentations, project planning, risk management, in-depth case reviews, engagement profitability etc).

Supporting in business development activity by providing regulatory and industry insights, contributing to thought leadership content, participating in webinars and roundtables, engaging with stakeholders, supporting sales bids, delivering presentations, and other relevant tasks.

Supporting the management of consultants and contractors on client projects.

Working collaboratively across the business to support strategic initiatives, business planning, operations and other activities to support the ongoing growth of the business.

You should relish the opportunity to take on immediate responsibility and gain a wide range of experience from day one as part of a fast-growing company.

Core Values, Behaviours and Requirements

You have, and can demonstrate, the following skills and attributes:

Alignment with our core values: innovation, passion, engagement and a commitment to delivering excellence.

An outstanding work ethic combined with a desire for continuous learning and personal development.

Exceptional multitasking skills, coupled with fantastic organisation and acute attention to detail.

A can-do attitude and an ability to “get things done” efficiently under tight deadlines, with the ability to prioritise and adapt accordingly.

Creative problem-solving abilities, maintaining an innovative and solution-orientated approach.

Proactive and high-energy demeanour, coupled with confidence in your own ability and skillset.

Outstanding professional communication skills – both written and oral.

Knowledge and a practical understanding of the UK financial services sector and FCA regulatory agenda.

A comprehensive understanding of the regulatory and supervisory landscape.

Company Benefits

We provide the following benefits to our permanent employees:

The opportunity to work in a fast-growing company with a well-defined mission and values that are actively practised each day.

Option to work remotely or in our London-based office.

Flexible working arrangements tailored to accommodate business requirements.

Unlimited holiday to promote work-life balance.

Corporate away days, including team-building activities.

Opportunities to take part in volunteer days.

Investment in personal development and support for career aspirations through provided funding of training and qualifications.

Participation in an EMI (Enterprise Management Incentive) – share option plan (by exception).

Pension scheme.

Private medical insurance provided by BUPA.

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Field Compliance Manager

South West England

Permanent

Full-time

Job ID:

32632

Published date:

2025-01-23

Summary

Southernhay Financial Planning – Field Compliance Officer

An innovative consolidator in the wealth management and financial planning arena is seeking a diligent Field Compliance Officer to join our team and help to ensure our new and existing advisors meet the compliance requirements of the FCA.

You will be pivotal in ensuring that our firm adheres to the FCA’s regulatory requirements, standards and our internal policies at each of our sites across the West of England and beyond. The ideal candidate will be proficient in analysing and implementing regulations and procedures that comply with Hybrid’s regulatory framework under the SMCR, TC and FIT. You will monitor activities to ensure that our advice is suitable and fully compliant with the Consumer Duty. You will be based in the West Country and will work on a hybrid basis, and cover our offices in Exeter, Sidmouth and Bristol and, on occasion in London too. Your contributions will be crucial in safeguarding our clients’ financial wellbeing and enhancing our reputation by ensuring that our company strictly follows guidelines.

You will report to the Chief Compliance Officer and MLRO and will be supported by a major national compliance consultancy.

Responsibilities:

Develop and implement an effective compliance monitoring programme in conjunction with the CCO.
Report on monitoring visits to sites and thematic reviews across the business
Create and manage effective action plans in response to audit findings and compliance violations.
Regularly audit company procedures, practices, and documents to identify possible weaknesses or risk.
Assess company operations to determine compliance risk.
Ensure certified advisors comply with the FCA FIT and TC regimes
Assist the CCO in the development and delivery of training on the latest regulations and processes.
Resolve employee concerns about legal compliance.
On occasion, deputise for the CCO.

Requirements:

A self starer who can work independently
Ability to travel (Driving licence).
Experience as a Compliance Officer
Professional qualification or working towards one in financial planning (CISI, CII, LIBF.)
Strong knowledge of industry processes and regulations.
Outstanding communication and interpersonal abilities.
An analytical mindset with excellent organisational skills.

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Business Analyst / Project Manager

Bristol (hybrid)

Contract

Full-time

Job ID:

32599

Published date:

2025-01-20

Summary

Our client requires a Business Analyst/Project Manager on a 3 month contract basis (outside of IR35), who has worked in a SIPP/pensions environment. This project is focused on comparing data and processes.

This is a hybrid role paying up to £425 per day with the requirement to travel to Bristol.

An understanding of non-standard investments (NSI) processes is preferred but not essential.

Summary and Responsibilities:

You will be taked with comparing two sets of data and comparing, and the same with processes and checklists. You must be comfortable undertaking analysis of data and processes, and developing out the changes required.

Investment Managers (IM) Ongoing Due Diligence

Review list of IMs on both books to find overlap/duplication.
Review completed IM ongoing review and annual assessment checklists to compare process, quality and resourcing
Subject to a) and b), develop proposal for IM ongoing reviews to be done (this is based on assumption that there will be high level of commonality and therefore duplication of current work and quality and controls surrounding the review will be higher).
Make any required changes to the firms procedures and checklists

Non-standard Investment Ongoing Due Diligence

Review list of NSIs held on both books to find overlap
Review completed NSIs ongoing review and annual assessment checklists to compare process, quality and resourcing
Subject to a) and b), develop proposal for integrated NSI ongoing reviews with view on whether this process should be carried out.
Make any required changes to procedures and checklists

IMonboarding (scope subject to NSI policy decision)

Review and compare both parties onboarding processes, including checklists and data sources, highlighting areas which are in common and which differ, and where they are obtaining and paying for the same data but from different sources
Work with SMEs to build a combined onboarding process, including checklist and other due diligence requirements (financial checks, financial crime checks, company status checks, FCA checks).
Make required changes to procedures

There is also a requirement to liaise with Legal to see if its possible to create a master legal agreement which covers all parties products, incorporating any changes required by NSI policy decision, or whether they should be separate two agreements, in which a new agreement may be required. We will then to conduct a repapering exercise. This will be likely led within the team, rather than a BA

NSIonboarding (scope subject to NSI policy decision)

Review and compare NSI investment approval processes, including checklists and data sources, highlighting areas which are in common and which differ, and where the firms are obtaining and paying for the same data but from different sources
Work with SMEs to build a combined process, including checklist and other due diligence requirements (financial checks, financial crime checks, company status checks, FCA checks).
Make required changes to the firms procedures

Illiquid/distressed asset processes

Review list of impaired/exit asset population on both books to find overlap.
Review both parties processes for managing distressed assets (including valuations) and recoveries/claims to see if there are areas of commonality and where process can be aligned which will enable cross-training and synergies.
Make required changes to the firms procedures and checklists
Review processes handling for direct and IM held illiquid assets and FSCS assets. Can we agree a common approach to how we handle these assets? Example: requests to transfer illiquid assets into SIPPs; illiquid assets preventing transfers out (any difference if fully crystallised SIPP?; IMvs direct holdings?)

There could also scope to look at:

Reviewing how the Technical-Investments mailbox is managed and see if this can be brought into the Investment Oversight Customer team
Review and align valuation policies and process

We are looking for someone to start asap, therefore someone with no more than a 2 week notice period.

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