You are here: / Catherine Tieley

Financial Resilience Review Officer

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

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.

Director of Risk & Compliance

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.

Head of Enterprise Risk

Kind Consultancy is working with an Alternative Financial Services organisation which is currently seeking a Head of Enterprise Risk to join them in a permanent, full-time role with a hybrid work model based in their Birmingham offices.

The Head of Enterprise Risk will work with the Chief Risk Officer and Head of Compliance to embed the business’s Risk Appetite
Statement and Enterprise Risk Management Framework, strengthening risk awareness ownership and culture, with key responsibilities including:

  • Developing, implementing and maintaining a comprehensive Enterprise Risk Management framework, aligned to regulatory and best practices.
  • Delivering the annual Risk Appetite statement refresh, monitoring adherence to limits and escalating breaches
  • Establishing, implementing and maintaining adequate risk management policies and procedures including effective procedures for setting risk appetite, identifying risks to the business, assessing risk, monitoring, and reporting risk exposures
  • Challenging and overseeing the identification, assessment and management of material risks including strategic, operational, financial and change risks
  • Overseeing risk reporting processes and development of key risk indicators, challenging appropriateness of measures and monitoring, encouraging better understanding and maturity of assessment.
  • Providing regular and accurate risk reports to the Chief Risk Officer and Committees. Support Chief Risk Officer at Board Risk Committee, presenting view on key risks management and trends, identify emerging risks and inform and support key decision making
  • Leading and delivering the second line monitoring plan and provide review and challenge on business RCSAs
  • With the Head of Compliance, overseeing the embedding of regulatory frameworks, processes and assessment (e.g. operational resilience, consumer duty)
  • Encouraging risk ownership, improving knowledge and awareness across the business; leading professionalisation of horizon scanning, ensuring an external, forward- looking approach to assessing emerging risks, and delivering regular updates and recommendations that are consistent with industry best practice
  • Influencing and promoting strong risk culture via training and communication, business partnering across first line. Enforce risk management principles into business processes and decision-making.
  • Ensuring compliance with relevant regulatory requirements, providing input, challenge and helping to shape key regulatory artefacts (e.g. ICAAP, ILAAP, Recovery Plan, Solvent Exit Plan, Operational Resilience Self-Assessment).

Our ideal candidate for the Head of Enterprise Risk position:

  • Has a substantial track record as an experienced Risk Senior Manager in Financial Services (UK banking) and good knowledge of the relevant regulatory environment (PRA, FCA)
  • Has a broad background in Risk Management across Financial and Non-Financial risks
  • Is experienced in setting, measuring and reporting risk metrics through to Board level, and in developing and embedding strong risk culture
  • Has experience of engagement with internal & external audit, regulators, Board and senior management
  • Has a history of successfully building and balancing relationships with strong influencing and negotiation skills including the ability to influence across functional teams and senior colleagues.
  • Has strong leadership and people management abilities.
  • Is flexible and pragmatic with good problem solving, analytical and decision-making skills
  • Demonstrates excellent verbal and written communication and interpersonal skills

If you’re interested in the Head of Enterprise Risk opportunity, you live in or can commute to Birmingham and you have the necessary skills, knowledge and experience, please apply with an updated CV today.

Compliance Monitoring Officer

Kind Consultancy is working with a fast-growing Alternative Financial Services business which is currently seeking a Compliance Monitoring Officer to join them in a full-time, permanent role paying £55,000 to £65,000 with a hybrid work model based out of their central London office.

The Compliance Monitoring Officer will support the Compliance Monitoring Manager in delivering a Compliance Monitoring Plan (CMP) which provides assurance to senior management and board that the organisation is operating within the compliance risk appetite, and in line with the relevant conduct guidance and UK regulations, with key responsibilities including:

  • Undertaking 2nd line compliance monitoring activities as part of the risk-based Compliance Monitoring Plan (CMP)
  • When required, providing subject matter expert advice and support on monitoring of Anti-Financial Crime Second Line of Defence (AFC 2LOD) monitoring,
  • Supporting the Compliance Monitoring Manager with the development of compliance monitoring practices and data collection techniques and with embedding a strong compliance culture across the organisation.
  • Working closely with the AFC 2LOD team, to ensure the activity effectively covers AML, counter terrorist financing, sanctions and fraud risk.
  • Accurately assessing the risk of any issues identified, to enable effective prioritisation of reporting and subsequent action tracking.
  • Maintaining awareness of broader conduct risk and regulatory expectations in respect of treating customers fairly and Consumer Duty, providing support and guidance to colleagues and demonstrating appropriate personal conduct.
  • Escalating significant issues to the Compliance Monitoring Manager at the earliest opportunity, to enable discussion and relevant action to be taken.
  • Ensuring records of activity and issues are retained and tracked to completion.
  • Assisting the Compliance Monitoring Manager with the development of monitoring techniques through the use of data and MI, where possible utilising technology to its advantage to maximise resources and efficiency.
  • Delivering constructive feedback and challenge through positive stakeholder engagement and relationships.

Our ideal candidate for the Compliance Monitoring Officer opportunity:

  • Has a substantial background of work in a regulated Banking/Financial Services environment.
  • Has previously completed compliance monitoring activity (Thematic, Focus, Continuous or Deep Dive Reviews) under delegated authority, ideally within a bank.
  • Can utilise technology to develop data and MI to support a Compliance Monitoring Plan
  • Has strong report writing experience.
  • Has a good understanding of understanding Payment Services (especially banking as a service business models), Retail Banking, Merchant Acquiring and Card Issuing (including Payment Scheme rules), the Provision of Safeguarding Accounts, Commercial Lending (including unregulated secured loans via broker distribution), Retail Deposit-Taking (Including via deposit aggregators and depositor protection rules) and Consumer Lending
  • Is able to consider the requirements of Consumer Duty and Treating Customers Fairly within the broader customer outcomes assessed during reviews.

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

Lending Officer – 12 Month FTC

Kind Consultancy is working with a well-established alternative Financial Services business which is currently seeking a Lending Officer to join their Asset Finance team on a 12-month fixed term contract with a hybrid work model based in their East Midlands offices, paying up to £31,000.

The Lending Officer will focus on acting as a point of contact for all lending enquiries from customers and introducers customer and introducers, with other key responsibilities including:

  • Supporting the Asset Finance sales team in the preparation of Credit applications and drawdowns, managing the team email inbox, obtaining asset valuations, undertaking AML/KYC updates, undertaking credit searches and exposure checks and analysing bank statements.
  • Collating information and where necessary preparing deal drawdown variations to Credit for new deals or drawdowns under existing Credit Lines.
  • Maintaining and managing the Asset Finance introducer (broker) panel, ensuring reviews are undertaken and submitted in a timely fashion and with the appropriate level of detail and ensuring broker agreements are in place in line with policy.
  • Maintaining and managing the sales pipeline and outrun performance MI through liaising with the Sales team, introducers and Asset Finance operations to ensure the timely drawdown of deals.
  • Carrying out routine administrative support procedures as required,

Our ideal candidate for the Lending Officer opportunity:

  • Has good knowledge of Asset lending and relevant regulations including Conduct Risk and Treating Customers Fairly requirements
  • Has experience of Compliance and liaising with customers and brokers in relation to credit risk applications
  • Having past experience of working in a marketing and sales environment would be desirable
  • Demonstrates excellent interpersonal, time management, organisational and communication skills
  • Is PC literate and a confident user of the Microsoft Office suite

If you’re interested in the Lending Officer fixed-term contract, are based in or can commute to the East Midlands and have the necessary skills, knowledge and experience, please apply with an updated CV today.

2nd Charge Underwriter

Kind Consultancy is working with a specialist mortgage lender which is currently seeking a 2nd Charge Underwriter to join them in a full-time, permanent role based in their Hertfordshire office, paying up to £45,000.

The 2nd Charge Underwriter will underwrite 2nd Charge Mortgage applications in accordance with the firm’s lending criteria, policies and procedures, with key responsibilities including:

  • Underwriting and assessing loan documentation, including valuation reports and requesting additional information from brokers where required, highlighting any concerns
  • Carrying out checks on the applicants and properties and assessing their suitability for the loan applied for
  • Proactively managing a pipeline of mortgage applications which will include chasing outstanding information from third parties and providing timely updates to introducers which will help ensure service excellence is maintained
  • Recommending and referring cases to Credit Committee where credit committee approval is required.
  • Liaising with introducers, valuers and solicitors
  • Overseeing cases from inception through to completion

Our ideal candidate for the 2nd Charge Underwriter opportunity:

  • Demonstrates a strong understanding of FCA regulation
  • Has significant experience underwriting mortgage applications, specifically with 2nd Charge exposure.
  • Holding CeMAP is not essential but would be desirable
  • Is well organised with exceptional attention to detail
  • Works well as part of a team
  • Is highly articulate with good written and verbal communication skills

If you’re interested in the BTL Underwriter role and you have the relevant knowledge, skills and experience and live in or can commute to Hertfordshire, please apply with an updated CV today.

Senior BTL Underwriter

Kind Consultancy is working with a specialist mortgage lender which is currently seeking a Senior BTL Underwriter to join them in a full-time, permanent role based in their Hertfordshire office, paying up to £50,000.

The Senior BTL Underwriter will take ownership of allocated Buy-to-Let cases from inception through to completion, underwriting, maintaining and managing a pipeline of complex and high value cases, through to offer, with key responsibilities including:

  • Assessing applications that have been referred for approval by Underwriting Case Managers
  • Documenting rationale as to why a case should or should not be offered
  • Providing real time feedback to the Underwriting Case Managers on a case by case basis and also providing daily, weekly and monthly reporting to the line manager.
  • Underwriting and assessing loan documentation, including valuation reports and requesting additional information from brokers for complex and high value cases where required, highlighting any concerns
  • Carrying out checks on the applicants and properties and assessing their suitability for the loan applied for
  • Proactively chasing outstanding information from third parties and sharing timely updates to introducers to enable service excellence
  • Recommending and referring cases to the relevant mandate holders for approval
  • Liaising with introducers, valuers and solicitors
  • Overseeing cases from inception through to offer
  • Updating all relevant systems to maintain management information

Our ideal candidate for the Senior BTL Underwriter opportunity:

  • Has a good understanding of business risk
  • Has significant experience within the secured lending sector underwriting mortgage applications, specifically within the Buy to Let market.
  • Demonstrates a good understanding of the underwriting process, with previous experience of managing a caseload and assessing cases for approval in a fast-paced environment
  • Holding CeMAP would be desirable but is not essential
  • Has very good organisational, analytical and time management skills
  • Displays excellent verbal & written communication skills
  • Is a competent user of Microsoft office software
  • Has consistently excellent attention to detail

If you’re interested in the Senior BTL Underwriter opportunity, you have the necessary skills, knowledge and experience and you’re based in or can commute to Hertfordshire, please apply with an updated CV today.

BTL Underwriter

Kind Consultancy is working with a specialist mortgage lender which is currently seeking a BTL Underwriter to join them in a full-time, permanent role based in their Hertfordshire office, paying up to £45,000.

The BTL Underwriter will underwrite buy-to-let loan applications in accordance with the firm’s lending criteria, policies and procedures, with key responsibilities including:

  • Underwriting and assessing loan documentation, including valuation reports and requesting additional information from brokers where required, highlighting any concerns
  • Carrying out checks on the applicants and properties and assessing their suitability for the loan applied for
  • Proactively managing a pipeline of mortgage applications which will include chasing outstanding information from third parties and providing timely updates to introducers which will help ensure service excellence is maintained
  • Recommending and referring cases to Credit Committee where credit committee approval is required.
  • Liaising with introducers, valuers and solicitors
  • Overseeing cases from inception through to completion

Our ideal candidate for the BTL Underwriter opportunity:

  • Demonstrates a strong understanding of FCA regulation
  • Has significant experience underwriting mortgage applications, specifically within the BTL market.
  • Holding CeMAP is not essential but would be desirable
  • Is well organised with exceptional attention to detail
  • Works well as part of a team
  • Is highly articulate with good written and verbal communication skills

If you’re interested in the BTL Underwriter role and you have the relevant knowledge, skills and experience and live in or can commute to Hertfordshire, please apply with an updated CV today.

Residential Mortgage Underwriter

Kind Consultancy is working with a specialist mortgage lender which is currently seeking three Residential Mortgage Underwriters to join them in full-time, permanent roles based in their Hertfordshire office, paying up to £42,500.

The Residential Mortgage Underwriter will take ownership of allocated cases from inception through to completion, with key responsibilities including:

  • Entering and updating borrower data on lending platform.
  • Ensuring all aspects of the loans are recorded accurately on lending platform and meet underwriting guidelines.
  • Carrying out an assessment of the mortgage applications to ensure all aspects of underwriting criteria are met.
  • Providing concise and accurate updates to brokers.
  • Proactively chasing brokers for outstanding requirements.
  • Ensuring all underwriting is in line with Company policy and within regulation.
  • Ensuring that all cases are Underwritten within the Groups Risk appetite.
  • Building good relationships with 3rd party suppliers including brokers and solicitors to assist in the smooth flow of business.
  • Maintaining a pipeline of cases, overseeing cases from inception through to completion.
  • Maintaining broker relationships that are integral to business growth.

Our ideal candidate for the Residential Mortgage Underwriter opportunity:

  • Has a good understanding of FCA regulation.
  • Is experienced in Underwriting 1st and/or 2nd Charge mortgage applications.
  • Holding CeMAP would be desirable but is not essential
  • Displays consistently strong attention to detail.
  • Has good written and verbal communication skills.

If you’re interested in the Residential Mortgage Underwriter opportunity, you have the necessary skills and experience, and you live in or can commute to Hertfordshire, please apply with an updated CV today.

Our Offices

Suite 1, Langton House, Bird Street,
Lichfield. WS13 6PY

Call Us

Telephone:
(+44) 121 643 2100

Email Us

Email:
enquiries@kindconsultancy.com

A specialist recruitment and executive search firm specialising in interim and permanent Governance, Risk, Compliance, Complaints, Financial Crime and Change & Transformation roles across Financial Services

Copyright © 2025 Kind Consultancy

Registered Address: Kind Consultancy Ltd – St. James House St. James Square CHELTENHAM Gloucestershire, England GL50 3PR

Data Protection Certificate

Get in touch

Select Region

Hello there, it looks like you're browsing our UK website from outside the UK. Would you like to switch to our US site?

Yes No