Birchlake Recruitment Engagement Hub

T&C Supervisor

Remote

Permanent

Full-time

Job ID:

32389

Published date:

2024-09-03

Summary

We are delighted to be exclusively partnering with an independent financial advice business that are looking to appoint a Training & Competency (T&C) Supervisor. This is a remote role with occasional travel to their Head office. There is a £3,600 car allowance and 5% of base salary as flexible benefits.

Role Purpose:

The role will facilitate and help deliver the firms T&C requirements as defined by the FCA and the business. You'll 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 facilitate the effective induction for all new recruits, 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, you will 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 the business 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.

Required Skills & Knowledge:

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 the business
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
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
Attention to detail- able to produce accurate and meaningful data required for RAG reporting and other MI as required by Risk & Compliance Director.

Qualifications:

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
CeMAP, G60/AF3 are desirable

Desirable:

Experience of working in a compliance or audit and risk function;
Previous experience of reviewing Occupational Pension Transfers or ETV, PIE exercises.
Working knowledge of business operations and practices

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Compliance Administrator

Remote

Permanent

Full-time

Job ID:

32388

Published date:

2024-08-15

Interim Head of Treasury & ALM

Hertfordshire

Contract

Full-time

Job ID:

32383

Published date:

2024-06-28

Summary

We have been instructed on an exclusive basis by one of our key clients to source an interim Head of Treasury & Asset Liability Management (ALM) on a 6 month contract. A fixed-term or day rate (inside of IR35) are both options.

Treasury is concerned with ensuring all the payments and collections associated to the business are performed in timely manner and complying with the firms Group policies as well as all other requirements.

The ALM team provides the 1LOD in managing financial risks across the business. Key risks are funding and liquidity, interest rate risk and solvency risk.

Required Knowledge & Skills :

Deep knowledge in ALM, especially funding, liquidity and interest rate risks
Experience in a bank regulated by the PRA
Experience in delivering ILAAP and ICAAP
Experience in Asset Backed Securitisation and central bank funding facilities
Understanding of key payment types, payment systems and treasury products
Familiar with SMCR
UK regulatory framework
Familiar with relevant accounting standards and practices
Team management
Ability to communicate clearly and effectively with internal and external stakeholders up to senior management level
Excellent attention to detail
Be able to organise others day-to-day work
Proactive, flexible, and capable of working on multiple subjects in parallel to tight deadlines.

Key Duties:

Ensure the funding strategy is delivered and supports the business plan
Manage the nterest rate hedging strategy within risk appetite and in a cost-efficient way.
Coordinate securitisation programmes (renewals and new issuances) and central bank facilities
Key person to deliver ILAAP and ICAAP and policies related to the area.
Ensure MI supports efficient decision making.
Voting member of UK ALCO
Support regulatory reporting department by providing input, review and developments if required
Support implementation of new products and company projects from Treasury and ALM perspective
Manage transfer pricing within the UK entities
Ensure the team structure, personnel resources, systems and processes remain suitable and sufficient
Maintain relationship with counterparty banks, investors, rating agencies and the Bank of England
Regular contact with Head Office colleagues (Treasury, ALM, Risk, Finance) in both strategic and operational matters. Understand and consider how UK risk management fits into Group’s risk management
People management of two teams, 7 staff in total

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Head of Credit

Hertfordshire

Permanent

Full-time

Job ID:

32380

Published date:

2024-06-10

Summary

We have been instructed to work on behalf of one of our key clients with the appointment of a Head of Credit, which is a certified position under the Senior Management Certified Regime (SMCR).

The role will sit within the first line, responsible for taking a strategic collaborative and proactive approach to managing the Credit Risk team and supporting other areas of the business on risk related subjects such as Lending policies and pricing calculations.

Key activities/responsibilities:

Manage, develop and motivating the Credit Risk team is an essential part of your responsibilities
Working with Finance to deliver risk forecasts for both wholesale and retail activities with evidence
Ensure both the retail and wholesale Cost of Risk is calculated in line with internal Methodology respecting IFRS9 standards
Support and challenge all Operational areas by ensuring the Risk team provide accurate and timely data
Liaise with Marketing and the new channels expansion team to validate the risk assumptions on products and packages (both credit risk and asset risk)
Attend all Credit Risk related committees actively providing commentary and evidence
Provide analysis to auditors as and when required
Comply with relevant legislation at all times and guidance from the Regulators (FCA, PRA, ECB)
Month end – update all the closure reports including the IFRS9 process and produce analysis in order to meet the deadlines and guide the management decisions in an efficient way
Data quality – ensure the data quality behind the reporting produced. Share openly the data quality issues in analysis, raise Jiras (defects, job requests etc.) and establish priority levels whilst working towards resolution with the IS team
Own the ECL forecast process ensuring that the proposed figures are accurate and based on agreed measures. Guarantee that the appropriate approval process is respected
Ad-hoc analysis – update existing reports or create new ones in order to answer ad-hoc request in the most efficient and accurate way possible
Prepare and deliver presentations around credit risk, including regular visios and ad-hoc meeting
Ensure procedures and IFRS9 back testing documents are updated where required
Develop the team through effective training needs assessments supporting maturity of the Credit team
Liaise with stakeholders including the 2nd line of defense locally and centrally covering a variety of topics both on an ad-hoc or ongoing basis, using your expertise to fulfil information requests, reconciliation exercises or reporting needs where necessary

Required knowledge & skills:

Experience in managing a team with a transversal working ethic and effective leadership skills
Strong communication skills with ability to present and communicate ideas, issues and solutions to a wide range of stakeholders, ranging from advisors to the Board
Excellent analytical, prioritisation and organisational skills
Good interpersonal skills – ability to build relationships at all levels
Able to work independently, using own initiative with a logical and methodical approach
Proficient in maintaining accuracy with meticulous attention to detail
High level of commercial awareness and understanding of strategic direction of company and potential market and economic impacts on risk
Highly numerate preferably with good degree in Mathematics or Statistics
Ability to learn new reporting tools to a high standard
Expert level of Excel; preferably have knowledge of data management and visulisation tools such as Alteryx or Power BI
Experience in the application of models, including new production, portfolio risk segmentation, IFRS9 and Collection to name a few.

This is a hybrid role with highly competitive benefits.

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Paraplanner

Brighton

Permanent

Full-time

Job ID:

32372

Published date:

2024-04-19

Summary

Pembroke Financial Services - Paraplanner Job Specification Role Description The role of the Paraplanner is to work alongside and provide knowledgeable and technical support to our Adviser(s) to ensure the appropriate end to end management of the client lifecycle using the PFS agreed policies, processes and toolset.

The Paraplanner reports to the Adviser(s) and PFS Support Manager.

Core Experience / Competencies • Previous Experience of Intelligent Office (IO) • Strong customer service ethos – able to build and maintain relationships of trust across a diverse client base. • Process driven – able to follow defined processes to evidence adherence to PFS standards and policies, regulatory

requirements and any other compliance demands. • Attention to detail – working with the Adviser(s) to ensure that clients have all the information they need in order to

review and make decisions about their investments; that providers have the correct details to carry out client instructions; and that all this information is recorded in the agreed PFS format and process.

• Problem solving – able to find solutions to issues and non-standard situations as they arise, ensuring appropriate escalation and recording in line with complaints processes and/or feedback to ensure continuous improvement on PFS processes and toolset.

• Collaborative Communicator – building relationships with clients whilst maintaining trust and inspiring confidence. Liaising and working with administrator(s) and offering support to ensure correct illustrations, key features and applications are provided.

• Able prioritise and manage workload – work with Adviser(s) to understand and prioritise client workload while balancing new business applications and ensuring provider forms are prepared as required and clients are updated throughout the process.

Responsibilities • Technical knowledge of products and procedures as well as relevant law. Ability to work with defined business

processes, for example. • Participates in weekly meeting to organise and prioritise workload. Organises regular touch points during the week

to ensure that activities and deliverables are carried out to plan and within deadlines. • Acts as key point of contact for clients; organising and dealing with correspondence via telephone, email or letter (as

per client specification), as well as attending meetings with clients. • Works with the Adviser(s) to ensure that client reports (suitability reports, annual review reports, meeting notes,

portfolio report) are generated from IO/Genovo using the standard templates where appropriate; and producing/updating/writing more technical reports as required.

• Supports the Adviser(s) in utilising other agreed toolsets to provide data for client identification for example lifestyle planning via cashflow analysis, risk reports, investment analysis etc.

• Conducting research required to support advice from Adviser(s) including all relevant analysis, technical product research, producing illustrations etc.

• HNW client support as required. • Support administrators on group corporate pensions and associated group benefits as required. • Acts as main point of contact between Providers and Adviser(s) in the transfer, set up and administration of

investments and policies on behalf of clients. This includes dealing with letters or authority, processing new applications, following up with ongoing transactions, resolving issues etc. Ensures that the client is kept informed on progress and is notified when transactions are completed.

• Ensures that client fees and commission (initial, ongoing and ad-hoc) are set up and maintained correctly in IO to support accurate monthly payments to the Adviser(s) and provide an accurate view for client and firm reporting.

• Ad-hoc paraplanning tasks on behalf of the Adviser. • Liaising with Compliance Teams, and completing any remedial work required to allow the Adviser(s) to proceed

with the business. • Provides support for Head of Support in defining and carrying out organisational projects and initiatives.

Other Tasks • Complete mandatory/regulatory training to given deadlines. • Adhere to company policies. • Maintain a clear desk and ensure all client documentation is locked away securely out of hours. • Ensure that all confidential paperwork is either scanned to the relevant file and disposed of in the confidential data

bins or shredded.

Requirements Industry qualifications: Level 4, DipPP, J09, J10, CF1 Chartered Financial Planner status or working towards

(preferred) A minimum of 4 years industry experience Excellent administrative, research, report writing and

communication skills Excellent analytical skills with a preference for working in a structured, planned manner

Maintained suitable CPD level and desire to continue progression

Pembroke Financial Services - Paraplanner Job Specification
- Role Description
- Core Experience / Competencies
- Responsibilities
- Other Tasks
- Requirements

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Operational Risk Manager

Kent

Permanent

Full-time

Job ID:

32368

Published date:

2024-03-22

Summary

Role details
POSITION:	Senior Operational Risk Associate	DEPARTMENT:	Risk
REPORTS TO:	H/O Compliance & Operational Risk	DIRECT REPORTS:	0
LOCATION:	Head Office, Sundridge (hybrid)	DATE:	February 2024

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 oversee the embedding and ongoing development of the risk management framework and supporting processes at Blue, with a particular focus on operational risk and assurance and providing an appropriate balance of support, guidance, and challenge to achieve regulatory compliance, operational effectiveness, and good customer outcomes. Reporting to the Head of Compliance & Operational Risk, 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 Head of Compliance & Operational Risk in the creation and implementation of the Operational Risk Management Framework and supporting standards and risk tools.
To lead the 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.
To frequently 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.
To actively liaise with the Blue GIA function to inform their programme of work through expert knowledge of the Blue estate and key areas of focus.
To lead assurance activities, through operational risk assurance reviews, that support the combined assurance programme.
Act as a point of co-ordination and contact to drive risk events to resolution and escalate issues to senior management in a timely manner to reduce risk and losses as much as possible and support the Head of Compliance & Operational Risk in overseeing the resolution and reporting of risk events and breaches.
To act as an advocate for high performance in relation to operational risk management and company standards/policies and promote a positive risk culture within the first line of defence where transparency, action and rigor are evident – particularly in relation to customer outcomes.
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.

Person specification

5 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.

Conduct Rules:

You must act with integrity.
You must act with due skill, care and diligence.
You must be open and cooperative with the FCA and other regulators.
You must pay due regard to the interests of customers and treat them fairly.
You must observe proper standards of market conduct.
You must act to deliver good outcomes for retail customers.

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Quality Assurance Officer

Birmingham

Permanent

Full-time

Job ID:

32367

Published date:

2024-03-21

Summary

We are working on behalf of a fantastic Midlands based insurer, who are looking to add to their Compliance team due to continued growth. They are seeking a Quality Assurance Officer who will be carrying out monthly technical underwriting audits, typical volumes per month would be around 60 audits and above.

Key Responsibilities:

Conduct Quality Assurance Audits within the Underwriting Services Department to monitor adherence to underwriting guidelines and licence authorities.
Conduct Quality Assurance Audits within other departments to assess service quality and adherence to internal processes.
Analyse the compliance standards being achieved by conducting Quality Assurance Audits and provide ongoing assurance of adherence to regulatory requirements.
Proactively identify areas for improvement where required and work with the business to implement remedial actions.

Job Requirements:

Background working in an insurance environment
Demonstratable experience working in a compliance, conduct or QA role
Good knowledge of FCA Rules and Regulations
A proactive ‘can do’ and flexible attitude. Be able to recognise priorities a short notice
An excellent standard of literacy, numeracy and attention to detail
Self-Motivated and good organisational skills. Able to manage own workload and deliver against deadlines with minimal supervision
Ability to work independently and confidentially
Experienced in the use of all Microsoft Office applications to an intermediate level
Good analytical and problem solving skills
Strong communication skills, both verbal and written, and ability to communicate at all levels
Ability to build successful relationships with all stakeholders
Champions the compliance culture and acts as a role model
Takes responsibility for own development
Good judgement and listening skills
Ability to innovate and improve working processes

Benefits:

Workplace Pension Scheme offering you flexibility of up to 16%
Minimum of 27 days holiday plus bank holidays
1 Paid Volunteer Day per year
Health Cash Plan and Virtual GP Services
Trained Mental Health First Aiders and access to 24/7 Employee Assistance Programme, offering a range of health and wellbeing, financial and counselling services
Professional Membership Status – as part of holding CII Chartered Insurance Status we a variety of funding options are available to support our staff in achieving industry standard qualifications.
Employee recognition awards and annual employee awards
Staff social events throughout the year, including Summer and Christmas parties
Long Service awards
Free onsite parking
Matched funding for charities
Death in Service benefit

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Risk & Compliance Manager

Birmingham

Permanent

Full-time

Job ID:

32366

Published date:

2024-03-21

Summary

We are thrilled to be partnering with a new client that operate within the insurance space. Due to growth they are looking to hire a Risk & Compliance Manager. This is a hybrid role, with a minimum of 2 days required in the office per week.

Key Responsibilities:

Working closely with the Head of Risk & Compliance, you will support the delivery of the departmental business plan in line with the company strategy, by leading the Risk and Compliance team to achieve departmental objectives.
Building effective relationships within the business to ensure that an effective compliance culture is in place, promoting positive engagement and behaviours within Commercial Express, leading by example as a role model.
Development and enhancement of compliance processes in accordance with market practice to meet regulatory expectations, setting up and monitoring adequate and appropriate systems and controls to ensure that the firm meets its regulatory requirements.
Leading on the development, implementation and maintenance of compliance policies and procedures.
Providing sound compliance advice to business stakeholders and escalating material compliance issues to the Head of Risk & Compliance on identification, with analysis of impact, criticality and remedial options.
Motivate your department to perform their duties to the highest level, achieve company KPI’s and Objectives by ensuring your teams are performing in line with agreed targets.

This role includes Line Management responsibilities.

Job Requirements:

Background working in an insurance environment
Demonstratable experience working in a compliance or conduct role
Good knowledge of FCA Rules and Regulations
A proactive ‘can do’ and flexible attitude. Be able to recognise priorities at short notice
Champions the compliance culture
Adherence to FCA principles and act as a role model for the company, leading by example
Experience in people management, driving staff to achieve targets and goals
Managing change effectively
Experienced in the use of all Microsoft Office applications to an intermediate level
Good analytical, problem solving skills
Ability to build successful relationships with stakeholders
Takes responsibility for own development
Ability to innovate and improve processes to drive efficiencies
Forward strategic thinking
Excellent organisation skills
Excellent verbal, written and listening communication skills
Excellent judgement and decision making
Ability to use initiative and work well under pressure
Analysis of management information.
Ability to present information/training by adapting content and tone to suit audience

Benefits:

Workplace Pension Scheme offering you flexibility of up to 16%
29 days holiday plus bank holidays
1 Paid Volunteer Day per year
Health Cash Plan and Virtual GP Services
Trained Mental Health First Aiders and access to 24/7 Employee Assistance Programme, offering a range of health and wellbeing, financial and counselling services
Professional Membership Status – as part of holding CII Chartered Insurance Status, a variety of funding options are offered to support staff in achieving industry standard qualifications
Employee recognition awards and annual employee awards
Staff social events throughout the year, including Summer and Christmas parties
Long Service awards
Free onsite parking
Matched funding for charities
Death in Service benefit

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Compliance Officer

Kent, UK

Permanent

Full-time

Job ID:

32360

Published date:

2024-02-28

Summary

Compliance Officer February 2024

About Charity Bank

Charity Bank is the loans and savings bank for people who want to make the world a better place.

Our vision is for a society that fosters vibrant communities and a healthy planet, giving every individual the opportunity to thrive. Charity Bank is ‘of the sector and for the sector’, 100% owned by charities and social purpose investors and dedicated to supporting UK charities and social enterprises.

We use our savers’ money to make much needed loans to enterprising organisations working to create lasting social change in communities across the UK. Since 2002, we have used the money saved with us to provide over £350 million of loan finance to a wide range of organisations across the arts, community, education, environment, faith, health, housing, regeneration, social care and sports sectors.

Our loans are used for a wide range of purposes, from providing accommodation for vulnerable refugees to action sports centres for young people looking for a safe place to skate to residential and respite care centres for those with profound disabilities.

Our co-workers are inspired by the organisations that we support and highly motivated to better equip these charities and social enterpwrises to help the disadvantaged, enrich lives and make our communities better places to live.

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Why work for us? No matter what your role is at Charity Bank, you will be making an essential contribution to the positive social value creation that is the very reason for Charity Bank’s existence.

For every loan that we make and the impact that this has on the organisations we lend to and the people that they serve, we can all say, “Wow, look what we helped to create!”

If your values align with Charity Bank’s, the role matches what you are looking for, and our mission and work excites you – we invite you to apply to join us!

At Charity Bank, we want our team to reflect the diverse communities, organisations, and people that we work with. We are committed to being an inclusive employer and great place to work and we strongly encourage applicants from diverse backgrounds to apply.

We have implemented policies to support this aim and are proud to offer flexible working practices and a caring culture. If you need any reasonable adjustments for any part of the recruitment process and/or working environment, please let us know, in confidence, so we can discuss these with you.

Equality, Diversity and Inclusion

Working in harmony

Mutual respect

Being the change

Values

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Role Profile

1

Job Title: Compliance Officer

Contract: Full Time, Permanent (Four Day Working Week)

Location: Tonbridge, Hybrid

Reporting to: Compliance Manager & MLRO

_________________________________________________________________________________

Overall Purpose of the Role: The Risk and Compliance team covers Compliance, Financial Crime/Anti-Money Laundering (AML), Data Protection (DP)/General Data Protection Regulation (GDPR) and Operational Risk – collectively termed as the “Compliance” team within this role profile. This Compliance Officer role provides support to the Compliance Manager & MLRO and other members of the Compliance team in the development and delivery of a comprehensive risk and compliance framework that enables the Bank to meet regulatory requirements on an ongoing basis across the above four areas. The role provides the opportunity to work with multiple parts of the bank and grow your compliance knowledge within a charitable lending/savings establishment in providing administrative support to the Compliance Manager & MLRO’s team. You will gain an in-depth understanding in reviewing internal banking policies and ensure these are aligned and updated with external banking regulations. Deliver and administer compliance training on policies, procedures and other ad-hoc compliance topics where required. Opportunities to participate in the development and implementation of a comprehensive risk and compliance framework, as required for the Bank to operate high banking standards. We will be supportive throughout your learning journey with us so that you can achieve solid regulatory knowledge. Dimensions of the Role:

• No direct reports. Key Contacts: Internal • All staff/departments External • PRA/Bank of England, FCA, ICO, FSCS, FOS • UK Finance and other industry bodies • Auditors and legal advisors • NCA/law enforcement agencies

Other Requirements: • Rarely - may be required to work occasional long hours

4

Key Accountabilities

2

Compliance/AML/DP/GDPR 1. Support in the development/establishment of adequate in-house controls and compliance

procedures and maintain appropriate records/registers. 2. Support the Compliance Monitoring Programme (CMP) in meeting the needs of the business and

regulatory systems and undertake business wide reviews covering SYSC, COBS, DISP, TC, SUP, Data Protection/GDPR and JMLSG requirements within the agreed framework for Treating Customers Fairly (TCF)/Conduct Risk; produce reports to the Compliance Manager & MLRO/management team on findings.

3. Review financial promotions. 4. Review regulatory papers and monitor outside developments to determine relevance/impact on

the business – communicating to Compliance team members and other stakeholders proposed/pending regulatory changes and their likely impact on the business so that the Bank can put appropriate processes in place to meet future regulatory requirements.

5. Maintain policy updates (including the Compliance Manual) falling within the remit of the Compliance team - ensure these are kept up to date with legal and regulatory requirements.

6. Prepare and submit regulatory returns and reports and contribute to the management information reports.

7. Provide advice, training and guidance to business areas on regulatory matters (including complaints) and support training administration.

8. Maintain an up-to-date knowledge/awareness of relevant regulatory issues and future trends. 9. As the role develops, the role-holder may be required to review Data Protection Impact

Assessments (DPIAs) and liaise with the business to finalise ahead of final sign off by the DP Lead.

General 1. Undertake general administration duties, project work and minute meetings, as requested, and

participate in staff forums/meetings, as appropriate. 2. Contribute to the effective and efficient running of the Compliance function; represent the team

appropriately across the organisation and Charity Bank suitably to the wider community.

5

Person Specification

3

Essential Desirable Experience  Minimum 2/3 years’ experience in Compliance in

a financial services environment  Working generalist Compliance knowledge  Knowledge and good understanding of PRA/FCA

rules and guidance

 Experience of undertaking Compliance monitoring quality assurance programmes/reviews

 Experience in a small bank, building society, large credit union or community bank

 Minute taking experience  Experience of operational risk

frameworks and an understanding of the key risks and controls that exist in the principal operational areas of a small financial services firm

 Understanding of the needs of and issues facing the third sector

 Writing of policies and processes.

Attainments  Graduate calibre/bachelor’s degree or equivalent/relevant industry qualification

 Further industry specific qualifications

Special Aptitudes

 A self-starter, able to work on own initiative to deliver high quality outcomes within agreed timescales

 Meticulous attention to detail; highly organised; systematic in approach

 High level of common sense; sound judgement; practical and pragmatic

 Able to manage competing priorities and balance stakeholder interests

 Computer-literate: MS Office as a minimum  Excellent presentation and verbal and written

communication skills and communicate effectively with a variety of audiences

 Numerically competent  Ability to produce comprehensive reports  Ability to interpret legislation and regulatory

literature  Persistence, an eye for detail and ability to

complete projects and keep to deadlines

6

Person Specification

4

Essential

Desirable

Disposition  A high degree of personal integrity, trustworthiness and confidentiality

 Pragmatic, resilient  Good interpersonal skills  A strong commitment to Charity Bank’s mission

and values Open to challenge and willing to learn

Thinking Style

 Proactive in identifying problems and presenting possible solutions

 Flexible and willing to adapt to changing priorities  Process-driven, able to review and improve

processes and procedures  Good at evaluating customer needs through

effective questioning and quickly assimilating information from a wide range of sources

 Punctual and reliable

Motivation

 Committed to own continuing personal development

Circumstances  Willing to be flexible and work long hours on occasions to meet deadlines

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The Four-Day Week

At Charity Bank, we prioritise the well-being of our team members alongside the pursuit of our social mission. The Charity Bank four-day week is an innovative initiative that sets us apart in fostering a thriving workplace culture.

Why the Charity Bank Four-Day Week?

Our belief is simple: a supported and motivated team delivers exceptional customer service and propels us toward our social goals. By offering all staff the opportunity to work four days a week with full-time pay, we prioritise a healthy work-life balance, boost morale, and enhance overall job satisfaction.

Commitment to Productivity and Continuous Improvement:

The four-day week is not merely a benefit but a mutual commitment. In exchange for increased productivity, we challenge established ways of working, constantly seeking opportunities to improve processes and enhance efficiency across the team and organisation.

Key Features:

1. Work-Life Balance: Our four-day week promotes an improved work-life balance, granting more time for personal pursuits, family, and self-care.

2. Full Pay: Despite fewer hours, employees receive equal compensation, recognising and rewarding their commitment.

3. Productivity Boost: The strategic four-day week enhances productivity, with studies showing increased focus, creativity, and efficiency.

4. Equality and Diversity: Our four-day week and flexible working policy align with our goal of fostering an inclusive and positive employee experience. We actively promote equal opportunity, attract diverse talent, and support personal growth.

5. Social Mission Support: Prioritising team well-being empowers contributions to our social mission, creating a positive ripple effect for both employees and the communities we serve.

The Charity Bank Four-Day Week: Redefining Work-Life Balance

How it Works

For more information and FAQs, visit www.charitybank.org. Join us in redefining the workplace and making a lasting impact.

Our four-day week consists of 32 hours, typically spread across four eight-hour days, allowing employees the flexibility to choose either a Friday or Monday as their day off.

Days off are protected and treated like weekends, ensuring uninterrupted personal time.

The arrangement is flexible, adapting to part-time employees on a pro rata basis.

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The benefits In addition to salary Charity Bank offers a generous benefits package.

• Annual Leave – 25 days per annum plus bank holidays, pro-rata in year of joining (and also for part-time), with opportunity in increase to a maximum of 30 days (pro-rata)

• Four Day Week - supporting work-life balance.

• WeCare – free access to online 24/7 GP and Second Medical Opinion service

• Employee Assistance Programme – Health/Work/Life concerns 24/365

• Perkbox – employee discounts and deals to help save money

• Contributory Pension Scheme – auto enrolment in place

• Bank Workers Charity – guides and webinars on money, health, relationships, work etc

• Life Assurance – 3 x salary paid to beneficiaries if death in service

• Private Medical Cover, subject to eligibility criteria

• Group Income Protection

• Car or Season Ticket Loan Scheme

• Cycle to Work and Cycle Loan Scheme

• Computer Loan Scheme

• Enhanced absence payments (inc. maternity, paternity, adoption, and sickness). Subject to eligibility criteria

• Give as You Earn Scheme – charity donations of up to £250 per annum are matched by Charity Bank

• Additional Annual Leave Purchase Scheme – up to 5 days (pro rata) to a maximum of 30 days per year (pro-rata)

• Volunteering – opportunity to volunteer at a charity, social enterprise, or community group each year.

Available at point of joining:

Available after successful trial period:

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Registered Office: The Charity Bank Limited, Fosse House, 182 High Street, Tonbridge, TN9 1BE. Company registered in England and Wales No. 4330018. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority. Financial Services Register No.207701. Member of the Financial Services Compensation Scheme (FSCS).

CB03101-V1

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Regulatory Compliance Manager

London

Permanent

Full-time

Job ID:

32361

Published date:

2024-02-28

Summary

Loans 2 Go Limited

Bridge Studios

34a Deodar Road

London

SW15 2NN

Authorised and Regulated by the Financial Conduct Authority

Loans 2 Go® is a registered trade mark of Loans 2 Go Limited.

Registered Office: Bridge Studios, 34a Deodar Road, London SW15 2NN. Registered in England. No.

4519020.

Regulatory Compliance Manager

Financial Services Business Area- Consumer Credit

Permanent role

Hybrid working- 2 days a week in office

Salary – Negotiable

Company Overview:

Loans 2 Go Limited (L2G) is an industry leader in providing alternative, affordable personal loans; we

aim to give lines of credit to those who mainstream lenders have neglected. We are growing and

adapting fast; with over 20 years of operation nationwide, we have helped hundreds of thousands

of customers and the business has transformed from a traditional high-street lender to a multi-

channel, online loan provider. We are regulated by the Financial Conduct Authority and fully

compliant with our obligations under Consumer Duty. We understand the importance of providing

fair and transparent products and services as the key to unlocking a prosperous future for the

business. We will continue to adapt, improve, and implement changes where required to improve

our people, the business, and the overall quality of our customer experience.

The Role:

Reporting to the Chief Risk Officer (CRO), the successful applicant will be responsible for compliance

and financial crime monitoring, compliance advice, horizon scanning and working with the business

to maintain and improve our compliance environment.

The business operates hybrid working with the expectation to be present in our London office

whenever needed and for at least two days per week.

Key Responsibilities:

• Working closely with the CRO to manage all regulatory activity throughout the company.

• Conduct compliance reviews internally and with our broker population.

• Maintain the Compliance Manual.

• Maintain compliance records.

• Providing guidance and support to managers across the business.

• Develop and maintain strong relationships with internal stakeholders, including the

Directors, to ensure that an effective compliance function is delivered.

• Keep abreast of developments in regulation and regulator activity, advising the business.

Requirements:

• Proven experience in FCA compliance, preferably gained in a consumer credit provider.

• Self-starter and ability to identify priorities.

• Confidence and experienced to interact with senior management and regulators.

Loans 2 Go Limited

Bridge Studios

34a Deodar Road

London

SW15 2NN

Authorised and Regulated by the Financial Conduct Authority

Loans 2 Go® is a registered trade mark of Loans 2 Go Limited.

Registered Office: Bridge Studios, 34a Deodar Road, London SW15 2NN. Registered in England. No.

4519020.

• Ability to see all sides of a disagreement, and able to find a commercially viable solution

where possible.

• Strong analytical and problem-solving skills.

• Excellent communication skills, both written and verbal.

• Ability to work under pressure and tight deadlines.

• A customer-focused approach to work.

• Lives within a reasonable commute of SW15, London.

Some benefits we offer:

• Hybrid Working Scheme available, eligible employees will be working from their UK homes

and the office as and when requested to do so, as per the business needs

• Up to 20% discretionary management bonus

• 25 days holiday per year, plus bank holidays

• Accrued Holiday Sellback Scheme

• Annual flu vaccination

• Milestone Service Reward Programme

• Life Insurance Cover

• Incapacity Insurance Cover

• Gym Membership Discount

• Employee Assistance Programme - 24/7 Free and confidential counselling

• Refer-a-friend Scheme with financial incentives

• Training and advancement opportunities

• Pension scheme

• Shower facilities on site

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