Permanent - Kind Consultancy

Compliance Associate

8 May 2025

Kind Consultancy is working with a growing Wealth Management firm which is currently seeking a Compliance Associate to join them in a permanent role based in their West Midlands office, paying £30,000 – £40,000 dependent on experience.

The Compliance Associate ensure the business is compliant with internal and external policies and regulations, working closely with the Head of Compliance and supporting them in key responsibilities such as:

Managing regulatory risk
Establishing and maintaining positive communication with the FCA and any other appropriate authorities and to ensure that any regulatory reports or enquiries are handled appropriately and promptly.
Designing and implementing suitable compliance arrangements in accordance with FCA regulations
Overseeing the review and development of existing products and services.
Engaging with business departments, utilising pragmatic collaboration to find compliant solutions to business problems.
Overseeing regular audit activity to ensure compliance with FCA regulations
Ensuring findings from client file reviews are recorded as part of the business’s management information and are communicated to senior management where necessary
Maintaining awareness of regulatory developments and updating CPD records to evidence this.
Collating any regulatory issues or changes for the Head of Compliance to report to the board
Providing help and assistance to the Head of Compliance, enabling advice and guidance on all aspects of compliance including file reviews, TCF gap analysis and implementation, financial promotion approval, recruitment guidance and implementation of the Training & Competence scheme.
Making appropriate notifications and completing reports as required by the FCA, and submitting any other information relating to the firm required by the relevant regulators including RegData, Attestation of firm details, AR and IAR reporting and Consumer Duty reporting.

Our ideal candidate for the Compliance Associate opportunity:

Has experience in a Financial Services administration role, with a proven ability to plan ahead and work to deadlines
Holding or being in the process of working toward a Financial Services qualification would be desirable, as would existing Compliance knowledge and Wealth Management exposure
Is discrete and professional, comfortable with keeping all aspects of their work confidential
Is focussed and detail oriented, with consistently strong accuracy and attention to detail
Some experience of managing and leading projects would be beneficial.
Is looking to progress their career within Compliance in Financial Services

If you’re interested in the Compliance Associate opportunity, have the skills and experience we’re looking for and are based in the West Midlands, please apply with an up to date CV today.

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.

Telephone BDM – Bridging

29 April 2025

Kind Consultancy is working with an already succesful and still growing alternative Financial Services business which is currently seeking multiple Telephone BDMs to join their Hertfordshire office in a full-time, permanent role paying up to £45,000 dependent on experience.

The Telephone BDM will be responsible for creating, managing and developing relationships through proactive telephone contact with intermediaries within an allocated region, promoting the organisation’s Bridging Finance products, with key activities including:

Creating, managing and developing relationships with introducers to achieve new business targets.
Maintaining expert knowledge of the firm’s Bridging products, criteria, process and USPs in order to to assess enquiries, produce terms and progress these into applications within SLA’s.
Collaborating with regional field BDMs to manage intermediaries within the designated region in order to maximise sales opportunities.
Speaking to introducers and handling new business enquiries.
Ensuring that any reports and the CRM system is kept up to date, accurately recording all discussions and activities.
Proactivity calling new, existing and lapsed intermediaries to engage them with the firm’s Bridging products
Carrying out thorough fact-finds with intermediaries to asses the size of each opportunity and identify appropriate firms to work in collaborating with the field BDM
Booking video calls with intermediaries to present the organisation’s Bridging proposition and USPs
Assessing enquiries via telephone and email, identifying sales opportunities and developing expertise in deal structuring in order to produce terms and quotes.
Following up on terms issued within SLA in order to progress them into applications, handling objections in order to win the deal
Making introductions to new firms registering with the business and ensuring they are aware of key contacts for enquiries and support in their region
Keeping intermediaries informed on changes to Bridging products, including but not limited to criteria, pricing and processes

For the Bridging Telephone BDM opportunity, we’re looking for candidates who:

Must have excellent knowledge of bridging finance, including the current marketplace
Have previous sales experience
Display excellent communication skills and professional telephone manner, including listening and influencing skills
Have a track record of successfully building lasting working relationships
Demonstrate the confidence to pursue leads and use sales techniques to overcome objections.
Are IT literate, confident users of Outlook, Word, Excel and PowerPoint
Display consistently strong attention to detail
Are analytically minded, able to present complex information in a clear, relevant manner
Are enthusiastic, pro-active team players

If you have the necessary skills, knowledge and experience, are based in or can commute to Hertfordshire, and are interested in the Telephone Bridging BDM 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.

Compliance Coordinator

11 April 2025

Kind Consultancy is working with a Consumer Credit business that is currently seeking a Compliance Coordinator to join them in a full-time permanent role paying £30,000 to £35,000 dependent on experience and based in the organisation’s North Northamptonshire offices.

The Compliance Coordinator will work with the Compliance Manager to deliver the key elements of compliance assurance, with responsibilities including:

Assisting with implementation and review of policies, procedures, and processes necessary to maintain a robust culture of compliance.
Ensuring that enterprise-wide initiatives are undertaken with consideration of all applicable regulatory requirements, with a particular focus on Financial Conduct Authority Consumer Credit obligations and Data Protection.
Maintaining the Financial Services and Data Protection policies and procedure documents in line with all regulatory and business requirements.
Conducting compliance-related activities necessary to maintain authorisation to conduct Consumer Credit business activities in the UK.
Providing management information on assurance findings and associated remediation plans on a regular basis to the management team and key stakeholders to keep them informed of the operation, progress, and effectiveness of the compliance monitoring plan.
Assisting in the delivery of compliance regulatory training programme, including appropriate introductory training for new staff as well as ongoing training for all employees and managers.
Monitoring the performance of the compliance assurance programme and recommending appropriate steps to improve its ongoing effectiveness.
Recommending corrective action plans for resolution of any problematic issues.
Assisting with, and where required, managing compliance projects (as part of the overall Compliance Monitoring Plan).
Developing and maintaining effective relationships with internal stakeholders, all appropriate regulatory bodies and other relevant third parties (e.g. external advisors).
Collaborating with other departments such as legal, credit, portfolio management and customer service to investigate and resolve compliance issues as they arise. Ensuring consistent and timely handling of regulatory issues.

Our ideal candidate for the Compliance Coordinator role:

Has experience of Quality Assurance, Complaints and Customer Service work within Financial Services – preferably in a Consumer Credit environment
Having experience of working as part of a Compliance function within Financial Services or experience of working within an FCA approved Consumer Credit firm would be highly desirable, as would an awareness of key FCA topics such as customer vulnerability, consumer duty requirements and SYSC requirements.
Has excellent written and verbal communication skills and strong IT skills including Microsoft Office
Has well-developed project management and organisational skills.
Enjoys travel and is willing to regularly visit sites across the UK

If you’re interested in the Compliance Coordinator position and you have the skills and experience we’re looking for, 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.

Broker BDM – Commercial Mortgages – Home Counties

21 March 2025

Kind Consultancy is working with a fast-growing specialist Financial Services business which is currently seeking a Broker Business Development Manager to join them in a permanent, full time, remote role focussing on Commercial Mortgages in the Home Counties region and Cambridgeshire, with a starting salary up £75,000 + commission and a £6,000 car allowance.

The Broker BDM will support the organisation’s Introducer strategy, providing a professional relationship management service to commercial finance brokers, prospective customers and existing customers providing an exemplary level of service and maximising value, with key responsibilities including:

Building and relationship managing a portfolio of commercial finance Introducers in the Home Counties and Cambridgeshire, with responsibility for day-to-day management of the relationships.
Reviewing, encouraging, managing, and progressing applications from Introducers from initial enquiry through to completion.
Ensuring excellent customer service for Introducers, prospective customers, and customers.
Supporting lending applications in line with the business’s Credit Policy and Credit Appetite.
Establishing and actively managing objectives and a personal development plan.
Delivering the territory’s Business Plan and targeted lending volumes.

Our ideal candidate for the Broker BDM – Commercial Mortgages opportunity:

Has excellent interpersonal and communication skills
Has extensive experience of analysing business fundamentals and financial account to understand the underlying cashflows of a business.
Has a substantial background in Business development work within the commercial mortgage broker market and commercial property lending.
Has good knowledge of the commercial finance Introducer market, commercial property lending and banking products associated with SME businesses.
Is able to work with Introducers and customers to structure new commercial mortgage lending proposals and write credit applications.
Has a proven track record in providing excellent customer service and in generating lending income opportunities whilst effectively managing credit risk.
Demonstrates a strong understanding of SME banking and lending across commercial asset classes.

If you have the necessary skills, knowledge and experience and are interested in the Broker BDM – Commercial Mortgages opportunity, 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.