Permanent - Kind Consultancy

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.

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.

Director of Risk & Compliance

17 March 2025

Kind Consultancy is working with a well-established and successful Financial Services organisation which is currently seeking a Director of Risk & Compliance to join them in a full-time, permanent role, predominantly remote with once per month travel to their West Midlands offices, paying up to £100,000 dependent on experience.

The Director of Risk and Compliance will lead the risk and compliance functions working within a dual-regulated financial services environment, ensuring that the organisation meets all regulatory requirements and cultivates a robust risk culture, with key responsibilities including:

Developing, implementing, and continuously enhancing policies, procedures, and frameworks to ensure compliance with all applicable regulations.
Monitoring regulatory changes and assessing their impact on the organisation, advising and supporting the business to adjust strategies accordingly.
Owning the Compliance Management System and ensure it meets with regulatory requirements, whilst remaining fit for purpose and delivering value for the business.
Liaising with regulatory bodies in a collaborative and transparent manner (PRA, FCA, ICO, etc.), ensuring timely and accurate reporting and submissions.
Supporting the board, executives and senior management to make informed decisions that consider regulatory and conduct risk.
Reviewing, guiding and escalating issues related to new propositions, business operations and identified incidents while taking care to ensure appropriate oversight, controls, and a customer centric approach is taken.
Maintaining a horizon scanning programme, including oversight of key regulatory systems and emerging risk landscapes.
Developing and maintaining strong relationships with key stakeholders by partnering and challenging risk and compliance control environments.
Leading the continuous development and maintenance of our risk management framework that identifies, evaluates, mitigates, and reports on risks in a dual-regulated environment.
Improving or establishing key risk indicators and reporting systems to monitor and manage risk exposure against risk appetite.
Investigating any breaches of risk appetite, suggesting mitigatory actions, or amendments to the business’ appetite and tolerance.
Owning the Risk Management System and ensuring it meets with regulatory expectations, whilst remaining fit for purpose and delivers value for the business.
Ensuring that risk management processes are integrated into all aspects of the business’s operations.
Managing the day-to-day implementation of the risk software system, ensuring it remains fit for purpose, information remains accurate and up-to-date, and the business uses the system proactively.
Fostering and improving a proactive risk culture across the organisation by embedding risk awareness into day-to-day operations and strategic decision-making.
Partnering with other departments (e.g. sales, finance, operations) to ensure integrated risk management and compliance across the business.
Developing long-term strategies to enhance risk management and compliance functions, aligning with the overall business strategy.
Designing and delivering on short-term action plans to close gaps and deliver on strategic goals.
Overseeing the strategic implementation of the risk management and compliance management systems, ensuring continuous improvement and regulatory compliance.
Developing, implementing, and maintaining data privacy policies, procedures, and frameworks to safeguard personal and sensitive information.
Ensuring the business’s data handling practices align with regulatory requirements and industry best practices.
Ensuring appropriate data retention, deletion, and security measures are in place to protect personal data.
Identifying, assessing, and mitigating privacy-related risks, embedding data protection principles across the business.
Supporting the completion of data protection impact assessments (DPIAs) for new projects, technologies, and processes that involve personal data.
Leading investigations into data and security incidents and data breaches, ensuring appropriate remediation and reporting procedures are followed.

Our ideal candidate for the Director of Risk & Compliance opportunity:

Holds one or more risk management qualifications, such as IRM Certificate or Diploma (or equivalent) and one or more compliance qualifications, such as ICA Certificate in Compliance or Diploma (or equivalent) – holding data privacy and information security qualifications would be advantageous, as would a specialist certification in risk management and compliance.
Has extensive knowledge of regulatory frameworks, including FCA/PRA requirements, and experience in fulfilling the Senior Management Function 16 (SMF16) role, ensuring effective risk governance and regulatory compliance.
Has a comprehensive understanding of the UK financial services regulatory systems, including the FCA handbook, and PRA rulebook, with specific knowledge of SYSC, ICOBS, PRIN, COCON, and Solvency II/Solvency UK – working knowledge of Introducing Appointed Representatives (IAR) compliance would be desirable.
Possesses a proven track record in a senior risk management and compliance role, ideally within financial services, or a regulated environment, with oversight of multiple risk categories.
Has expertise in managing a function against budget, identifying cost efficiencies, or areas requiring additional expenditure, and expertise in in risk oversight, ensuring robust internal controls, assurance frameworks, and compliance with industry standards such as ISO 31000 (Risk Management) and ISO 27001 (Information Security).
Has strong experience in advising and influencing senior executives and boards, providing strategic risk insights and ensuring risk considerations are embedded into decision-making.
Possesses a comprehensive understanding of data protection laws (e.g., GDPR), information security standards, and governance structures to safeguard organisational data.
Has extensive experience of writing and delivering risk and compliance reporting to a Non-Executive, Executive, and Senior Management audience.
Can demonstrate an inn-depth understanding of regulatory frameworks and industry standards, ensuring the organisation meets compliance requirements and maintains effective governance structures.
Has a track record of successfully implementing and monitoring risk frameworks, ensuring robust risk controls and providing oversight across business functions.
Has very strong interpersonal and communication skills to engage with the Executive Committee, senior leadership, and external regulators, effectively articulating risk-related insights and recommendations.
Is able to assess complex risk scenarios, make informed recommendations, and drive sound decision-making within a dynamic business environment.
Has expertise in overseeing compliance and risk governance structures, ensuring alignment with best practices and continuous improvement in management frameworks.
Is able to navigate regulatory changes, business challenges, and emerging risks while maintaining a strategic, solutions focused approach.
Displays extensive team leadership skills, with ability to lead and manage a small, technical team of subject matter experts.

If you have the necessary skills, knowledge, experience and qualifications and are interested in the Director of Risk & Compliance opportunity, please apply with 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.