Role Profile

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Key responsibilities and accountabilities

• Compliance Advice: Provide collaborative advice, challenge and guidance to our business partners and

colleagues in relation to all matters of regulatory compliance, in particular consumer credit, consumer duty and the FCA Handbook

• Solutions-based compliance support: Championing an effective compliance culture, support on queries pertaining to and provide guidance on Consumer Credit Act 1974 (and subordinated legislations), Consumer Rights Act 2015, Customer Complaints, Vendor Contracts and pending vehicle disputes.

• Trusted Advisor: Act as Trusted Adviser to our business colleagues and key stakeholders by ensuring that commercially sensitive, pragmatic and practical compliance advice is provided in a cost-effective manner.

• Lead on regulatory change implementation, providing critical compliance advice on required changes and impacts of regulatory change; working with the business to identify impacts and devise appropriate policies and procedures to maintain compliance.

• Support the upkeep and maintenance of all compliance policies and provide 2LOD advisory support on the mapping of regulatory requirements to 1LOD Policies.

• Develop, update and deliver in-person compliance risk training on regulatory change and compliance risk (in consultation with the Chief Compliance Officer)

• Regulatory Horizon Planning – support the tracking, delivery and implementation of regulatory changes advising on key impacts to the business and required changes. Deliver training in support of key changes.

• Escalate issues and matters of compliance risk to senior management in a timely manner to reduce risk and losses as much as possible.

• To act as an advocate for compliance with all legal, regulatory and company standards 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.

• To frequently liaise with first line business areas to ensure understanding of key processes and how controls support the achievement of compliance, identifying gaps and weaknesses that need to be addressed – particularly in relation to Arrears Management, Vulnerable Customer Management, Complaints Handling, ensuring good customer outcome is at the heart of everything we do at Blue.

Role details

POSITION: Senior Compliance Advisor DEPARTMENT: Compliance

REPORTS TO: Chief Compliance Officer DIRECT REPORTS: 0

LOCATION: Head Office, Sundridge (hybrid) DATE: May 2025

Compliance at Blue

The Compliance Function is organised around five principal risks (Regulatory Risk, Operational Risk, Financial Crime, Data Protection, and Advisory) and is led by our Chief Compliance Officer (SMF16/17). The Department operates independently as a second line of defence and 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

Reporting to the Chief Compliance Officer, the focus of this role is to support on all matters of compliance advisory, provide solutions based advisory support to our business colleagues, support and advice on regulatory matters. Provide an appropriate balance of support, guidance, and challenge to achieve regulatory compliance and good customer outcomes in all matters of compliance advice.

Role Profile

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• To maintain an up-to-date knowledge of the FCA Handbook and key regulatory requirements (e.g., “CONC”, “DISP”, “SMCR”, and the “CCA”) and apply these to all solutions-based advice.

• To provide regulatory guidance around key business activities, including EXCO objectives and key projects.

• Proactively identify, investigate and analyse current and future regulatory risks, monitor the regulatory horizon to maintain an up-to-date view of regulatory developments that could impact Blue Motor Finance and support in the communication of Regulatory updates to the business.

• Support the Chief Compliance Officer in the communication of regulatory developments and regulatory risk reporting to Blue’s stakeholders (internal and external), including training delivery to first line business functions.

• 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.

• Provide oversight around the requirements set out in the firm’s policies and procedures.

Person specification

• 6 years plus compliance experience in an FCA regulated environment – consumer credit preferable.

• Sound understanding of Consumer Credit legislation and Consumer Duty principles.

• Demonstrated ability to effectively analyse risk and apply sound judgement in a timely manner.

• Proven ability to write detailed policies and procedures, regulatory updates for publishing across the business, and breach reports.

• Good team player, pragmatic and flexible, able to work on own initiative, whilst recognising where support is required.

• Strong interpersonal skills, able to establish effective working relationships at all levels.

• Appreciates the importance of accuracy, attention to detail and professionalism.

• Demonstrates a sense of urgency, strong delivery ethos 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 providing constructive advice and driving good outcomes for customers.

• 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.

Role Profile

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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.