Hybrid - Kind Consultancy

Credit Underwriter

2 May 2025

Kind Consultancy is working with a succesful alternative Financial Services business which is currently seeking a Credit Underwriter to join them in a full time role paying up to £60,000 with a hybrid work model requiring 1 day per week in their West Midlands offices.

The Credit Underwriter will assess and analyse lending and settlement applications, authorising applications in accordance with discretionary lending authorities and within the organisation’s Risk Management framework and Risk Appetite statements, with key responsibilities including:

Assessing, authorising and monitoring lending within delegated discretion, as outlined in the Commercial Credit Risk Policy and procedures.
Assessing and monitoring lending propositions outside own lending discretion, presenting recommendations to the Head of Credit Risk and Board Risk Committee.
Managing the organisation’s problem debt connections within procedures in order to protect outstanding loans, agreeing work-out strategies with the Head of Credit Risk as appropriate, to minimise the risk of loss.
Supporting other colleagues in Credit Risk, ensuring that all colleagues are fully trained, performing to role requirements and are aware of all regulatory and compliance controls.
Contributing to an environment of continual improvement and encourage recommendations for change.
Ensuring that credit risk activities are conducted in accordance with policies and procedures, and that all regulatory requirements are met.
Monitoring all lending and risk assets and delivering agreed management information including risk assessment reporting to the Audit and Board Risk Committee.

Our ideal candidate for the Credit Underwriter opportunity:

Is ACIB qualified with knowledge of Commercial and Corporate banking.
Has a good track record in credit financial analysis & decision making across all asset classes in commercial or corporate lending.
Demonstrates sound credit judgement gained through experience of holding substantial discretionary lending authorities in excess of £1million
Is able to make robust and difficult lending decisions including knowing when to decline lending proposals.
Has very strong operational knowledge of bank processes and Financial Services regulations
Is familiar with banking technology, payment systems and processes, telephony etc
Has good knowledge of risk management policies and procedures
Has Relationship Management experience, preferably with exposure to problem debt
Has previously worked with treasury instruments/products
Is highly numerate, with well developed problem solving and analytical skills

If you have the necessary skills, knowledge and experience, are based in or can commute to the West Midlands, and are interested in the Credit Underwriter opportunity, please apply with an updated CV today.

Head of Compliance – SMF16

1 May 2025

Kind Consultancy is working with a well-established healthcare insurance provider which is currently seeking a Head of Compliance to join them in a full-time, permanent role with a hybrid work model requiring one day per week in their West Midlands offices, paying up to £90,000 dependent on experience.

The Head of Compliance will encourage and maintain a regulatory and conduct risk-aware culture within the business, supporting regulated entities in complying with the regulatory requirements set by the FCA, PRA and internal policy standards, with key responsibilities including:

Holding SMF16 (Compliance Oversight)
Delivering an effective, efficient, and proportionate compliance framework for the business, ensuring the framework is sufficiently robust and delivers value beyond pure compliance with regulation; i.e. view and implement compliance as an enabler.
Interpreting high-level regulatory themes, publications, rules and guidance into real-world framework and process guidance.
Fulfilling a “Compliance Lead” role in various conversations and meetings around the business.
Championing the compliance function, its purpose, activities, and value.
Supporting the Risk & Compliance Director in ensuring the organisation monitors and, on a regular basis, assesses its adequacy and effectiveness (including any actions to address identified deficiencies) in the business’ compliance with obligations.
Ensuring the compliance and advisory function provides effective, accurate and timely support to the business, colleagues falling under SM&CR, and wider stakeholders.
Managing and directing Compliance resource, including personal and professional development, performance management, job satisfaction, etc.
Managing a Compliance Monitoring Framework (CMF) and associated components.
Managing the business’ Management Responsibilities Map (MRM) and updating individual Statements of Responsibility (SoR).
Managing the regulatory approvals and regulatory returns process (e.g. via FCA Connect and FCA RegData)

Our ideal candidate for the Head of Compliance – SMF16 opportunity:

Must have previously held SMF 16
Must have 5+ years of experience in Regulatory Compliance work within Financial Services, preferably within Insurance
Holds a relevant Compliance qualification
Demonstrates advanced knowledge of FCA and PRA regulatory framework; e.g. ICOBS, SYSC, PRIN, etc.
Has extensive experience of interpreting UK Financial Services regulation into actionable briefing documents and workstreams
Has 3 or more years of line management experience within a dedicated and specialist compliance / assurance team
Has experience of working in a small, specialist compliance or assurance environment
Displays a good understanding of insurance customer communications, claims and sales processes and of the Consumer Duty, four outcomes, and cross-cutting principles
Demonstrates an understanding of how to educate the wider business on compliance matters
Has experience of compliance report-writing, with the ability to tailor content for different audiences

If you have the necessary skills, knowledge and experience, are based in or can commute to the West Midlands and are interested in the Head of Compliance role, please apply with an updated CV today.

Financial Resilience Review Officer

17 April 2025

Kind Consultancy is working with an exciting, fast-growing Mortgage & Protection network which is currently seeking a Financial Resilience Review Officer to join them in a permanent position paying up to £30,000 with a hybrid work model based in their East Midlands offices following a fully in-office training period.

The Financial Resilience Review Officer will conduct Financial resilience reviews for the network on an ongoing basis, including assessments of Appointed Representative (AR) firms, individual controllers and advisors. Key responsibilities will include:

Maintaining records of new firms, controllers, advisers, and trainees on the network systems, cross referencing with the network database and scheduling appropriate reviews
Updating records to remove firms, controllers, advisers, and trainees that have left the network
Conducting desk-based financial reviews within agreed authority levels to sign off the reviews with recommendations made – including documenting personal assets and liabilities and recommending a risk level, ensuring tasks are followed up until fully completed
Identifying and managing high risk -controllers, advisers and trainees implementing regular reviews, updating systems and advisers’ records.
Providing appropriate guidance to Appointed Representatives and their advisers where routine monitoring identifies areas for improvement, for example non-payment of any credit commitment
Reporting any areas of risk identified to the line manager and Regional Compliance Manager, agreeing remedial action where appropriate
Producing MI reports as directed and maintaining records of all decisions concerning financial reviews
Reporting any breaches in line with the network Breaches policy, ensuring a record is held on file
Improve other network staff members understanding of the financial FIT check requirements

Our ideal candidate for the Financial Resilience Review Officer:

Demonstrates knowledge of FCA Handbook and FIT requirements
Is able to maintain and follow defined procedures, with the confidence to make suggestions for improvement to internal procedures.
Is confident in analysis and understanding of Management accounts, business practice and records
Has excellent verbal and written communication skills
Is focussed on the delivery of good customer outcomes, with a can-do approach
Is a confident user of the Microsoft Office suite i.e., Excel, Word etc
Holding a relevant financial services qualification i.e., AAT or ICEAW qualification, CeMAP or equivalent professional qualification would be highly desirable

If you’re interested in the Financial Resilience Review Officer opportunity and you have the necessary skills, knowledge and experience and are based in or can commute to the East Midlands, please apply with an updated CV today.

Assistant Product Governance Manager

17 April 2025

Kind Consultancy is working with a succesful, growing alternative Financial Services business which is now seeking an Assistant Product Governance Manager to join them in a full-time, permanent role with a hybrid work model requiring 2 days per week in their Birmingham offices, with a competitive annual salary.

The Assistant Product Governance Manager will assist the Product Governance Manager in the ongoing stewardship of all existing Products and Services and the execution of all Product led operational processes, with key responsibilities including:

Supporting the delivery of non-material Product Review actions.
Proactively monitoring, interpreting and cascading changes in market trends and customer behaviour to improve Product Development.
Supporting the execution of Customer outcome monitoring.
Supporting in delivery of the firm’s product reviews using the Product Review Framework to maximise regulatory adherence, customer experience, commercial return, legal position, and process compliance.
Working closely with the Chief Compliance Officer and Risk teams to understand where the organisation’s product suite can provide Fair value and evolve with regulation.
Supporting the management of Product literature and digital collateral to meet regulatory and internal policy.
Assisting with the delivery of ‘regulatory led’ customer communications.
Supporting on key activity including Bank Rate changes, Changes in General and/or Product Terms, Product Training and process such as CASS/CoP reporting.
Working with key business stakeholders to drive the effective delivery of good customer outcomes within the business’s existing products/services identified via the Product Outcome dashboard.
Supporting the Product Governance Manager in maintaining and deepening existing strategic relationships to adhere to internal governance and maximise commercial return through driving mutual value within the partnership.
Supporting on delivery of activity related to risks & controls, audit actions and Risk acceptances, control testing/sampling including improvement plans, providing first line oversight.

Our ideal candidate for the Assistant Product Governance Manager:

Has a minimum of 1 year in a Compliance role with experience of Product Reviews
Shows a keen interest in and understanding of commercial banking products and is familiar with Customer Outcome Testing
Demonstrates strong knowledge of the requirements of a Product Review and the regulatory, commercial, operational and consumer duty aspects of its consideration.
Has a good understanding of Risk and Control management and ongoing self-assessment requirements.
Has experience of working with third parties and the expectations and governance required.

If you’re interested in the Assistant Product Governance Manager opportunity, you have the necessary skills and experience and you live in or can commute to Birmingham, please apply with an updated CV today.

Mortgage Underwriter

21 March 2025

Kind Consultancy is working with a well-established, long succesful Retail Financial Services organisation which is currently seeking a Mortgage Underwriter to join them in a full-time, permanent role with a hybrid work model based out of their Lancashire office, paying up to £35,000.

With a focus on providing an efficient, professional underwriting service to customers and intermediaries, key responsibilities of the Mortgage Underwriter will include:

Processing mortgage Decision in Principle (DIP) requests from intermediaries within SLA.
Processing mortgage applications on the organisation’s software system and completing all procedural administrative documentation efficiently liaising with the customer during the application process.
Maintaining accurate records and notes throughout all stages of the mortgage application.
Approving mortgage applications (direct and introduced) within specified limits in accordance with the Lending Policy.
Considering mortgage applications outside standard lending policy where a justifiable business reason exist.
Presenting out of criteria cases to the Credit Risk Committee with appropriate recommendations and rationale.
Maintaining professional business relationships with BDMs, mortgage introducers and external contacts, providing information and guidance when required.
Maintaining knowledge and complying with all legal responsibilities and codes of conduct to which the business must comply with i.e. Vulnerable Customers, AML, MCOB, DPA, FCA etc.
Meeting all requirements of the Training & Competence scheme.
Dealing with customer dissatisfaction and complaints as required.
Identifying opportunities for continuous improvement of products, policy, processes and procedures

Our ideal candidate for the Mortgage Underwriter opportunity:

Must hold 5 GCSEs at Grade C or above including Maths and English or equivalent.
Has excellent communication skills both written and verbal.
Is experienced in the use of Microsoft packages and is a confident user of Word and Excel.
Is able to independently manage multiple tasks
Demonstrates consistently strong attention to detail

If you’re interested in the Mortgage Underwriter opportunity and you have the skills, knowledge and qualifications we’re looking for, please apply with an updated CV today.

Senior Compliance Manager

20 March 2025

Kind Consultancy is working with a growing FinTech business which is currently seeking a Senior Compliance Manager to join them in a full-time, permanent role paying circa £70,000 with a hybrid work model based out of their London offices.

The Senior Compliance Manager will provide high-quality guidance across the business on regulatory and compliance matters, with key responsibilities including:

Delivering accurate advice on regulatory manners in a timely manner, including FCA Handbook requirements
Maintaining up to date knowledge of regulatory and industry developments and advising the senior team on the necessary actions ahead of regulatory change etc
Participating in key business projects, providing Compliance input
Making sure that the Compliance Manual and all relevant policies and procedures are kept up to date
Supporting colleagues through Compliance Investigations or Reviews
Where required by the Head of Compliance, liaising with the FCA and responding to regulatory information requests.
Contributing to a strong, positive Compliance culture by building good working relationships across the business

Our ideal candidate for the Senior Compliance Manager opportunity:

Has 3+ years of experience in Compliance roles within Financial Services – ideally with FinTech exposure
Demonstrates in-depth knowledge of the UK regulatory environment, including all relevant FCA Handbooks
Is an excellent communicator in writing and speech, able to quickly build lasting working relationships and to translate complex Compliance topics for a variety of audiences
Has a track record of successfully interpreting and applying new regulations for a Financial Services business
Is analytically minded and highly organised with exceptional attention to detail.
Is highly motivated, with a desire to drive business-wide improvement and create a positive Compliance culture.

If you’re interested in the Senior Compliance Manager opportunity and you have the skills, knowledge and experience we’re looking for, please apply with an updated CV today.

Head of Financial Crime

20 March 2025

Kind Consultancy is working with a growing FinTech business which is currently seeking a Head of Financial Crime to join them in a full-time, permanent role paying circa £100,000 with a hybrid work model based out of their London offices.

Leading the Financial Crime team, the Head of Financial Crime will hold overall responsibility for the implementation and execution of the organisation’s Financial Crime framework, including AML, CTF, Sanction Compliance, Fraud Standards, CDD, KYC and ABC, with key activities including:

Providing input to policies and suggesting policy enhancements, identifying MI reporting requirements for critical Financial Crime metrics to continuously build on the organisation’s Financial Crime defence position within the 1st line
Developing and maintaining key risk indicators to support the firm’s Financial Crime risk appetite, working with 2nd line to operationalise the risk appetite monitoring and reporting on compliance.
Holding responsibility for Financial Crime Data requirements and needs, ensuring a list of key data fields essential to Financial Crime processes are collated and maintained
Providing input and guidance to the 1st line business units for the Financial Crime Business Wide Risk Assessment
Creating and executing industry standard quality assurance frameworks to regularly assess the organisation’s position on Financial Crime
Writing professional briefings and papers to governance committees at Executive and Board level with the firm’s current state of play and providing clear plans to further enhance Financial Crime Operations
Working closely with the MLRO, providing status updates and briefing progress on new regulatory developments and Financial Crime enhancements.
Holding line management responsibility for the Financial Crime team, responsible for their performance delivery and performance management and development, providing coaching and continuous improvements with overall accountability on the delivery outputs in Financial Crime projects or workstreams.
Taking a leading role in driving change and innovation for Financial Crime projects and regulatory changes now and in the future, understanding FCA requirements and expectations within Financial Crime
Overseeing the reporting and investigation of suspicious activity reporting liaising with the MLRO

Our ideal candidate for the Head of Financial Crime opportunity:

Must hold a recognised Financial Crime qualification, holding other Banking qualifications would also be beneficial
Has in-depth operational knowledge of bank processes and key regulatory/legal issues
Possesses substantial knowledge of banking technology, payment systems and processes, telephony etc
Has extensive experience of leading and delivering SME Financial Crime teams and frameworks including compliance requirements and expectations (ideally within commercial banking)
Has extensive people leadership experience and presentation, analytical and communication skills
Is highly numerate and an analytical thinker

If you’re interested in the Head of Financial Crime position and you have the necessary skills and qualifications, please submit an updated CV today.

Transaction Monitoring Analyst

7 March 2025

Kind Consultancy is working with a succesful, growing Alternative Financial Services business which is currently seeking a Transaction Monitoring Analyst to join them in a full-time, permanent role paying up to £45,000 with a hybrid work model based out of their Birmingham office.

The Transaction Monitoring Analyst will work on a new Transaction Monitoring system, with key responsibilities including:

Processing and investigating transaction monitoring alerts generated by the new system.
Identifying potential suspicious activity, ensuring compliance with regulations and the firm’s internal processes.
Using transaction data to identify patterns, trends, and anomalies.
Sharing insights to enhance system performance and regulatory compliance
Providing feedback on the suitability of segments, rules, and scenarios to ensure an optimal balance between risk management and operational effectiveness, and on the suitability of AI-related alerts to ensure an optimal balance between risk management and operational effectiveness.
Contributing to the formation of internal service level agreements through the establishment and recording of processing times.
Providing feedback to design optimal user workflows

Our ideal candidate for the Transaction Monitoring Analyst opportunity:

Has proven experience in Transaction Monitoring within a banking or financial services environment.
Is familiar with ComplyAdvantage or similar AML and compliance platforms.
Has a strong understanding of Financial Crime regulations.
Has past experience in reviewing and optimising transaction monitoring rules and scenarios.
Has an analytical mindset with the ability to interpret complex data and identify risks.
Is meticulous with excellent written and verbal communication skills.
Is poficient in Microsoft Office Suite and relevant compliance tools.

If you’re interested in the Transaction Monitoring Analyst position, you’re based in or can commute to Birmingham and you have the skills and knowledge we’re looking for, please apply with an updated CV today.

Operational Resilience & Business Continuity Manager

6 March 2025

Kind Consultancy is working with a well-established Retail Financial Services business which is currently seeking an Operational Resilience & Business Continuity Manager to join them in a permanent, full-time role paying up to £50,000 with a hybrid work model based in their Staffordshire offices.

The Operational Resilience & Business Continuity Manager will support the organisation’s ability to anticipate, prepare for, respond to, and recover from disruptive events, ensuring compliance with regulatory expectations, with key responsibilities including:

Supporting the development, implementation, and continuous improvement of operational resilience strategies and business continuity plans across the business.
Designing and executing scenario testing exercises to assess the organisation’s preparedness for disruptive events.
Supporting business process owners with process mapping activities to ensure critical business processes are identified and protected.
Ensuring that contingency plans are maintained, regularly tested, and updated based on evolving risks and business needs.
Working with cross-functional teams to identify vulnerabilities and potential risks to business operations, developing strategies to mitigate them.
Supporting with managing risk events and incidents, coordinating response efforts to minimise operational disruption.
Ensuring all operational resilience and business continuity efforts align with regulatory requirements and industry standards.
Maintaining awareness of evolving regulatory expectations and adjusting plans accordingly.
Supporting the business in managing third-party relationships, ensuring vendors and service providers have appropriate resilience and continuity plans in place.
Providing regular reports to senior management on the state of operational resilience, risks, incidents, third party supplier assurance and the effectiveness of continuity plans.
Identifying areas for improvement in operational resilience practices, leveraging lessons learned from testing, incidents, and risk assessments to enhance the organisation’s preparedness.
Ensuring all documentation related to resilience and continuity, including annual self-assessment, policies, procedures, and plans, is current, accurate, and effectively communicated to relevant stakeholders.

Our ideal candidate for the Operational Resilience & Business Continuity Manager opportunity:

Has experience of managing operational risks within a regulated Financial Services organisation
Has an excellent understanding of Operational Resilience and Business Continuity activities
Possesses very strong regulatory knowledge, including a high level understanding of SS1/21 – Operational Resilience, TCF/Conduct Risk and AML
Is a confident user of all Microsoft Office products
Is highly organised with strong time management skills

If you are interested in the Operational Resilience & Business Continuity Manager opportunity, you have the necessary skills, knowledge and experience, and you are based in or can commute to Staffordshire, please apply with an updated CV today.

Compliance Monitoring Officer

4 March 2025

Kind Consultancy is working with a large, national Financial Services business which is currently seeking a Compliance Monitoring Officer to join them in a full-time, permanent position paying up to £32,000 with a hybrid work model requiring 2-3 in-office days per week in their Milton Keynes offices.

The Compliance Monitoring Officer will support the delivery of second line monitoring across the business, with key responsibilities including:

Contributing to the preparation of the Compliance Monitoring Plan, which is risk-based, and approved by the Group Risk & Compliance Director and Group Audit & Risk Committee.
Preparing regular, timely, relevant and concise reporting on the Monitoring findings for management, including recommendations for addressing any weaknesses identified.
Tracking and reporting on the progress of remedial actions and where appropriate, guiding management in implementing necessary improvements.
As required, acting as “Lead Monitoring Officer” to manage specific reviews and coordinate the activities of other Monitoring Officers in relation to that work.
Working closely with key business areas and stakeholders, for example the Case Checking Team, across the business to implement the agreed approach to Compliance Monitoring.
Staying updated on best practices and external developments in the area of Monitoring and ensure that learning is applied.
Undertaking special investigations as required in response to breaches or other issues arising.
Identifying and escalating at the earliest opportunity any significant regulatory issues to the line manager in a clear and accurate manner.
Conducting onsite visits as required to enable planning, testing and reporting to take place.

Our ideal candidate for the Compliance Monitoring Officer opportunity:

Must have relevant experience within Financial Services industry, with particular knowledge of mortgage services.
Has a sound understanding of FCA Regulation, including MCOB, ICOBS and DISP.
Is a team player, with the ability to work unsupervised.
Has a proven ability to build strong and effective working relationships with stakeholders.
Demonstrates consistently strong attention to detail and ability to deliver high quality written work and reporting.
Displays effective oral and written communication skills.
Has the confidence and credibility to provide appropriate and commercial challenge to the business.
Holding a professional mortgage qualification (CF1, CF6) or being willing to study for one would be desirable, as would holding a professional compliance qualification (ie. ICA Diploma or Advanced Certificate)

If you’re interested in the Compliance Monitoring Officer position and you have the necessary skills, knowledge and experience and live in or can commute to Milton Keynes, please apply with an updated CV today.