We are seeking someone with a strong product governance background to support our client on a six month fixed-term-contract basis.

Job Purpose:

Lead the annual Fair Value Assessments and Product Reviews for all motor finance lending products (PCP, HP, PCH and ad-hoc products), ensuring these meet regulatory expectations and are completed to a high standard within required deadline.

• Update FVA templates with considerations from previous internal audit and compliance reviews.
• Independently assess product performance, customer outcomes, and governance data to identify trends, risks, and issues, building dashboards and using existing MI.
• Collaborate with internal stakeholders from brand (product) teams, pricing, and compliance to clarify any product information, and gather necessary data.

Knowledge & Skills:

• Experience working in a governance, regulatory, risk, or technical role within motor finance or lending.
• Strong, practical knowledge of Consumer Duty and PROD4, particularly from a product manufacturer perspective.
• Demonstrable experience preparing and embedding fair value assessments
• Attention to detail
• Strong written and oral communication skills

This is a hybrid role (2 days a week in their Hertfordshire office) and the salary is up to £85k pro rata. We are looking for someone to start asap.

Please apply now if you are interested and meet the above criteria.

Birchlake are partnering with an established Fintech lender who are looking to bolster their Compliance function with the appointment of a Senior Compliance Advisor.

This is a pivotal hire within the business. You’ll be responsible for supporting on all matters of compliance advisory, providing advice to colleagues and advising on regulatory matters.

Key responsibilities include:

• Provide clear, practical advice to teams across the business on regulatory compliance, especially in areas such as consumer credit, customer protection, and the FCA Handbook.
• Build strong working relationships and act as a trusted advisor by giving commercial, pragmatic, and cost-effective compliance guidance.
• Lead on regulatory change projects - assessing impacts, advising on necessary updates, and helping implement compliant policies and procedures.
• Maintain and regularly review compliance policies, and support teams in aligning their processes with regulatory requirements.
• Design and deliver training sessions on compliance risks and regulatory changes.
• Monitor upcoming regulatory changes, assess their impact on the business, and support implementation and staff training where needed.
• Identify and escalate compliance risks to senior leaders promptly to help minimise business impact.
• Promote a culture of compliance and strong risk management within the business, with a focus on delivering fair outcomes for customers.
• Collaborate regularly with operational teams to understand key processes, assess the effectiveness of controls, and highlight areas for improvement - particularly in arrears management, complaints handling, and support for vulnerable customers.
• Stay up to date with relevant FCA rules and regulations and apply this knowledge when advising the business.
• Provide compliance support for major projects and contribute regulatory insight to strategic business objectives.
• Monitor and assess both current and emerging regulatory risks and keep the business informed of key changes.
• Assist in delivering regulatory updates and reports to internal and external stakeholders.
• Oversee compliance with company policies and procedures across the business.

Key requirements:

• A minimum of 6 years' compliance experience in a FCA regulated environment
• Consumer Credit legislation and Consumer duty principles expertise
• Experience of writing detailed policies and procedures
• Excellent communication skills; calm and pragmatic approach
• Strong attention to detail

Birchlake Recruitment is partnering with a well-established financial advice organisation to identify an experienced Training & Competency (T&C) Supervisor. This role will play a key part in ensuring advisers meet regulatory competency standards while supporting ongoing development, supervision, and compliance across the business. This is a fully remote role. 

The Role:

The T&C Supervisor will oversee adviser competence, ensuring regulatory requirements are met while supporting advisers through effective supervision, coaching, and performance monitoring. The role will also lead structured induction programmes for new advisers and ensure they achieve Competent Adviser Status (CAS) efficiently.

You will work closely with sales management, risk, and compliance teams to monitor adviser performance, analyse competency data, and promote best practice across the organisation.

Key Responsibilities:

• Deliver and manage structured T&C supervisionin line with FCA requirements and internal policies.
• Support adviser development through coaching, monitoring, and competency assessments.
• Design and deliver tailored induction programmes for new advisers to achieve CAS.
• Supervise advisers across different competency levels and provide targeted support where required.
• Produce management information (MI) and reporting on adviser performance and RAG status.
• Collaborate with sales leadership, QA, and compliance teams to ensure strong regulatory oversight.
• Promote high standards of client outcomes, compliance, and professional conduct.

Requirements:

• Minimum 6 years’ experience in financial services, ideally within a Training & Competency or supervisory environment.
• Relevant Level 4 financial services qualifications (or equivalent).
• Strong understanding of T&C regulations and adviser competency frameworks.
• Experience analysing adviser performance data and producing meaningful reporting.
• Excellent communication, organisational, and stakeholder management skills.

Desirable Experience:

• Background in compliance, risk, or audit functions.
• Experience reviewing pension transfer or similar complex advice cases.

Benefits:

• Car allowance of £3,500
• Death in Service life cover - 2x salary
• Group Income Protection 
• 5% flexible benefits

We are working on behalf of a Hertfordshire based lender who are recruiting two Credit Analysts within the 

Credit Operations team.

The new business Credit analyst will demonstrate excellent attention to detail and will be the proactive point of contact between the Credit Operations department, Network Funding, Account Manager and the Dealer & Broker Network, ensuring new business applications are assessed in a timely and accurate manner.

This is a hybrid role (initial training in the office is required for the first few weeks) with 1-2 days a month for team building purposes and attendance when business needs arise. There is also a requirement to work 1 Saturday each month and 1 Sunday each quarter.

Role Description:

• Respond to all Dealer enquiries in an efficient and courteous manner via phone and over email

• Assist dealers to convert a negative decision to an acceptable proposal to the business providing the risk is within company guidelines
• Follow up on a daily basis any proposals you have deferred for further information
• Underwrite referred proposals within authority and refer to a higher level authority when necessary
• Ability to read & understand company accounts In order to make sound decisions

• Ensure CIFAS applications are investigated correctly and thoroughly and that anypossible frauds are identified promptly referred for further action.
• Highlight any problems that may arise to your manager and offer possible solutions
• Ensure department Service Quality Commitments (SQC’s) and Key Performance Indicators (KPI’s) are met whilst also maintaining high service levels and standards
• Work transversely across Operations and throughout the business supporting your colleagues in other areas
• Protect the company at all times from fraud and financial exposure
• Comply with all company procedures and standards
• To comply with all relevant legislation at all times such as Consumer Credit Act, Money Laundering Act, Data Protection Act and the FLA code of practice

Knowledge & Skills:

• Asset underwriting experience
• Eye for detail & Good standard of numeracy
• Excellent telephone manner and communication skills
• Effective written / verbal communication skills
• Ability to read & understand company accounts
• Team Player
• Pro-active attitude
• Computer literate
• Problem solving

We are delighted to be working on behalf of one of our key clients who are looking to appoint a ESG & Climate Risk Manager. They are fully committed to driving sustainable practices and meeting regulatory requirements on climate risk and ESG performance and this role is critical in supporting their mission to integrate sustainability into business strategy and operations.

Job Purpose

• To undertake the updating and embedding of the existing risk management system to enable the firm to manage its
  operational risks, including conduct risk, and adhering to Consumer Duty requirements.
• Ensuring that the business adheres to Group Operational Risk Control System policy and guideline requirements.
• Being a point of contact for the first line Risk Champions to ensure that the activities required to meet Group
  requirements are undertaken within the prescribed deadlines.
• Assisting in the setting the standards for risk management and promoting a risk centric culture within the business.
• Demonstrating a high work ethic and possess core knowledge and skills to support Risk Management objectives.

• Working closely with the Head of Risk & Compliance and Senior Risk Manager.
• Undertake the required training for the two bespoke risk management systems.
• Work closely with the Business Process Manager through the scoping and mapping phases.
• Work closely with the Risk Champions to review the risks and controls data and update in line with the Group Risk 
  requirements into the risk management system.
• Provide the necessary support and guidance in identifying risks and controls. Where risks are outside of process theyare recorded in the Op Risk Questionnaire.
• Support the Risk Champions through the assessment stage by providing oversight and guidance on the assessment.
• Ensure that in both systems relevant approvals are obtained.
• Ensure the relevant work in both systems are completed within prescribed deadlines.
• Write up procedure documents for both systems.
• Providing any training necessary to Process Owners and Risk Champions as part of the hand off process
• Assisting in any ad hoc requests relating to the two system requirements.
• Ensure Operational Risk Control System feedback has been fulfilled.

• Previous experience in embedding risk management systems within the insurance sector.
• Excellent knowledge of the Risk Management Cycle.
• Experience with risk analysis and reporting.
• Analytical mind with problem-solving aptitude.
• Excellent communication and presentations skills.
• A proactive approach to work, in terms of suggesting changes and improvements to processes and systems.
• Commercial awareness and the ability to understand broad business issues.

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• Fulfil the responsibilities of a Senior Manager Function (SMF) under the Senior Managers and Certification Regime (SM&CR), in accordance with the associated Statement(s) of Responsibilities (SOR).
• Comply with the company’s SM&CR requirements, including timely completion of mandatory training, adherence to all company policies and procedures and participation in the annual attestation process.
• Adhere to the SM&CR framework, including FCA/PRA Conduct Rules and Senior Manager Conduct Rules.
• Embed Consumer Duty requirements and responsibilities into day-to-day practices, ensuring alignment with the expectations and standards set by the FCA and PRA.
• Document any delegated tasks to ensure accountability and transparency.
• Recognised as a Material Risk Taker under the regulatory framework, with responsibilities and decision-making authority that have a significant impact on the firm’s risk profile.
• Ensure alignment with remuneration and governance requirements applicable to MRTs.

• To provide expert and strategic advice to the UK Board and Senior Management team on regulatory, compliance SM&CR, corporate governance issues and evolving regulatory expectations ensure the organisations full compliance with applicable laws and regulations.
• To co-chair the Executive Risk committee contribute to relevant business executive and Board committees.
• To manage the compliance function, including liaison with the FCA, PRA, ICO and other regulatory bodies (where required) and to ensure the firm has an open and transparent relationship with its regulators.
• To liaise with industry bodies including the FLA and BVRLA and attend forums as appropriate.
• To set the strategic approach for the management of regulatory topics, including the development of appropriate policies, procedures, controls and training materials. Taking account of Group Policies and Procedures.
• To review relevant customer and dealer documentation for existing and new products and standard letters to ensure compliance with regulatory requirements (where applicable).
• Accountable for Compliance monitoring and Assurance Framework, with regular cadence to Executive Committee, and Board.
• Collaborate with HR on SMCR Framework, recruitment and regulatory readiness of certified functions.
• Responsible for compliance function operations and growth, embedding a culture of compliance and ethical conduct across the organisation.

• Identify, assess, and mitigate key risks within the remit of the role.
• Ensure adherence to relevant risk management policies and procedures.
• Escalate issues and report risks appropriately.

• Current or recent SMF16 responsibility within a consumer lender/retail bank.
• Comfortable approving Financial Promotions to ensure compliance with requirements.
• Prior experience acting as a key participant in business change, projects and system developments.
• Experience in setting firms strategy for the management of conduct risks and to promote a compliance culture throughout the organisation.
• Experienced in receiving, investigating, reviewing and responding to whistleblowing alerts raised within a company in accordance with the whistleblowing procedure.

• Pension: Employee contribution of 3.5% Employer contribution of 7.22% (50% reimbursement of employee contributions)
• Bonus up to 15% (non contractual)
• ECOP Car Scheme (1x free vehicle)
• Loan Plan Scheme – up to 2 vehicles at any one time
• Private Healthcare – Family Cover
• 27 days annual leave
• Annual medical screening

We are delighted to be partnering with a high-growth Fintech start-up seeking to appoint a Money Laundering Reporting Officer (MLRO). This is a key hire and the role is of a remote nature with occasional travel to London as and when business needs arise. An equity component is offered in addition to a competitive salary.

Job Summary

The MLRO will be the firm’s statutory Head of Financial Crime Compliance, directly responsible for oversight of all anti-money laundering (AML), counter-terrorist financing (CTF), and sanctions compliance activities. The successful candidate will be instrumental in the FCA authorisation process, embedding a robust financial crime framework, and ensuring the firm meets all regulatory requirements under the Electronic Money Regulations 2011 (EMRs) and the Money Laundering, Terrorist Financing and Transfer of Funds (Information on the Payer) Regulations 2017 (MLRs).

Key Responsibilities:

Regulatory and Strategic

• FCA Licence Application: Act as the lead for all Financial Crime elements of the FCA EMI licence application, including drafting the Financial Crime Chapter of the Regulatory Business Plan, conducting gap analyses, and interacting with the FCA during the application process.
• Regulatory Accountability (SMF17): Hold the SMF17 designation, maintaining the required Statement of Responsibilities (SoR) and being personally accountable to the FCA for the firm's financial crime controls.
• Governance: Report directly to the Board of Directors on the effectiveness of AML/CTF systems and controls, at least annually.

AML/CTF Systems and Controls

• Risk Assessment: Develop, implement, and maintain the firm’s formal Money Laundering and Terrorist Financing Risk Assessment (MLTRA), ensuring it is current and covers all products, services, customers, and geographies.
• Policies & Procedures: Establish, implement, and maintain comprehensive, written AML/CTF policies, procedures, and controls, covering Customer Due Diligence (CDD), Enhanced Due Diligence (EDD), Sanctions screening, and transaction monitoring.
• Suspicious Activity Reports (SARs): Act as the statutory point of contact for external communication with the National Crime Agency (NCA), receiving internal suspicious activity reports, evaluating them, and submitting SARs to the NCA where appropriate.
• Transaction Monitoring: Oversee the design, tuning, and operation of the automated transaction monitoring systems, ensuring appropriate risk typologies are covered.
• Sanctions: Ensure the firm’s Sanctions screening program is effective, covering customers and transactions against global sanctions lists (OFSI, OFAC, UN, etc.).

Training and Culture

• Training: Develop and deliver mandatory, bespoke, risk-based AML/CTF training programs for all staff, management, and the Board of Directors, ensuring they understand their personal responsibilities.
• Oversight: Foster a strong financial crime compliance culture throughout the organisation.

Required Knowledge and Experience:

Category Requirement

• Experience: Minimum of 5 years of progressive experience in Financial Crime/AML Compliance within the UK financial services sector. Must have prior experience as a Money Laundering Reporting Officer (MLRO) or Deputy MLRO (DMLRO) in an FCA-regulated Payments Institution (PI) or Electronic Money Institution (EMI).
• Regulatory Deep, practical working knowledge of the MLRs 2017, EMRs 2011, Proceeds of Crime Act 2002 (POCA), and the FCA Handbook (especially SYSC and SM&CR rules).
• Technical: Proven experience in drafting and implementing AML/CTF policies, performing MLTRAs, managing Transaction Monitoring systems, and reporting to the NCA.

Qualifications: 

• A recognised AML/Financial Crime professional qualification (e.g., ACAMS, ICA Diploma in Anti-Money Laundering).

Skills:

• Excellent leadership, communication, and stakeholder management skills, capable of influencing the Board and challenging senior management.