The Senior Compliance Project Lead will act as Compliance Lead (CL) for a workstream for a strategic transformation programme, building a direct-to-consumer insurance capability, providing end-to-end compliance leadership from the beginning of the project through implementation, go-live and post-launch monitoring.

The role holder will be responsible for ensuring that the project delivers good customer outcomes in line with the Financial Conduct Authority (FCA) Principle 12 – Consumer Duty, complies with all applicable regulatory requirements and it is embedded into EUSL’s governance, risk, and control framework. Furthermore, the role holder will act as the CL within the programme, shaping product design, customer journeys, pricing governance, system compliance, and third-party arrangements to ensure a robust, scalable, and regulator-ready operating model.

This is a fast-paced, hands-on delivery role and requires an experienced compliance professional with strong track record of leading complex business projects, influencing stakeholders and acting as a champion for consumer outcomes. The role is focused on building and validating compliance frameworks, controls and artefacts required for launch.

Compliance leadership

• Lead the compliance workstream across design, build, testing and go-live.
• Act as the primary compliance decision-maker within the programme.
• Provide clear compliance direction and challenge into product, pricing, operations, data, and technology design.
• Support governance forums and go/no-go decisioning.
• Prepare and present compliance updates, risk assessments and recommendations to relevant governance committees and forums.
• Act as the senior compliance liaison with third parties involved in the project and work closely with internal and external stakeholders.

Regulatory framework and product governance

• Identify, assess, and advise on all relevant regulatory requirements including but not limited to Consumer Duty, ICOBS, PROD, data protection, AML.
• Ensure appropriate policies, procedures, and controls are drafted and embedded across the business to support the new business model.
• Provide proportionate oversight of compliance risks arising from new systems, processes, outsourcing arrangements, and third-party relationships.
• Define regulatory responsibilities and accountability across all relevant internal and external stakeholders.

Product design and customer outcomes

• Review and challenge product structure (cover, exclusions, add-ons), pricing approach from a fair value perspective, policy wording and customer facing documentation or customer promotion materials.
• Review end-to-end customer journeys for new customer / business (quote > purchase > servicing > claims > complains), changes / mid-term adjustments, renewal, digital self-service and provide compliance input.
• Identify customer risks and potential harms scenarios.
• Ensure all customer facing communication is clear, fair, and non-misleading and in line with the Consumer Duty expectations (including considerations for vulnerable customers).

Controls, monitoring, and consumer duty

• Provide compliance input in relation to proposed pricing controls, eligibility rules, customer journey controls and ensure these have been appropriately structured and will deliver good customer outcomes.
• Design and establish consumer duty direct insurance second line monitoring framework, including customer outcomes, complaints and claims trends, pricing transparency, and fairness.
• Define compliance KPIs and reporting requirements.

Third-party and ecosystem compliance

• Desing and help establish robust TPA oversight framework (claims, handling, SLA, reporting).
• Review and challenge third-party arrangements.
• Validate compliance requirements across policy systems, pricing engine, data flows, and operational platforms.

Build, testing and go-live

• Validate compliance requirements implementation within systems.
• Review outputs from pricing / rules engines and customer communication.
• Validate the compliance of all customer journeys and digital customer facing experience.
• Lead compliance input into testing and UAT.
• Provide formal compliance sign-off for go-live.
• Ensure controls are testable, evidenced and audit ready.

Post-launch monitoring and regulatory readiness

• Assess the effectiveness of post-launch compliance monitoring framework.
• Monitor customer outcomes, complaints and claims trends, and pricing fairness.
• Develop and support regulatory reporting, audit, and queries.
• Conduct post-implementation compliance review of all relevant areas.

• You must act with integrity.
• You must act with due care, skill, 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.

The Company will be required to report to the FCA any disciplinary action taken in relation to a breach of these rules.

The Company requires annual training to be undertaken regarding compliance that is appropriate to your role.

Essential

• Significant experience in a senior compliance role within a regulated insurance environment (preferably home insurance), ideally involving direct insurance business propositions.
• Proven experience acting as Compliance Lead for complex change or transformation projects.
• Strong understanding of FCA regulatory framework, conduct risk, consumer protection.
• Demonstrated ability to lead, influence and challenge at senior management level (Board, ExCo).
• Experience liaising with third parties and outsourced providers at senior level.
• Strong written and verbal skills with the ability to draft and present complex compliance issues clearly and pragmatically.

Desirable

• Degree in law, finance or similar.
• Experience in embedded or platform-based insurance distribution.
• Exposure to policy administrations systems and pricing engines.
• Experience working with data, reporting, and monitoring frameworks.
• Experience interacting with regulators or supporting regulatory reviews.

1. Company & Industry Awareness - Understanding and knowledge of the business and the market; awareness of financial issues and business priorities.

1. Interpersonal & Communication Skills - Builds effective relationships with stakeholders and communicates in a clear way. Listens and adapts style to particular situations, sensitive to individuals and circumstances.

1. Planning & Organising - Organises time and prioritises effectively to deliver within expected timeframes.

1. People Management - Responsible for managing the performance of others effectively, sets, communicates and measures clear performance expectations. Motivates others and supports high morale.

1. Customer Focus - Maintains professionalism, fair treatment, and effective relationship management. Responds in a timely way demonstrating respect, tact, and diplomacy.

1. Decision Making - Looks to solve problems in a constructive way, makes timely decisions, and develops results-focused action plans.

• Ensure all work and activities performed in this role adhere to the organisation's information security policies, standards, and procedures.
• Proactively identify and mitigate information security risks associated with assigned duties and responsibilities.
• Participate in regular security awareness training and apply best practices for securing data, systems, and applications.
• Report any suspected security incidents, vulnerabilities, or policy violations to the information security team immediately.
• Support the Information Security program, understand and manage information security responsibilities delegated to your department, ensure team comply with all Information Security policy and procedure, report on team performance against security training requirements. (Managers only)

I confirm and agree that this job description is an accurate, current reflection of the role.

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