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Head of Underwriting and Credit Risk

Kind Consultancy is working with a rapidly growing Electronic Money Institution who are currently seeking a Head of Underwriting and Credit Risk to join them in a full-time, permanent role in their central London office, paying £100,000 to £140,000 dependent on experience.

The Head of Underwriting and Credit Risk will be a core position in the client onboarding process, with key responsibilities including:

  • Strengthening, and where applicable, designing underwriting practices.
  • Reviewing new and current clients in various business sectors.
  • Analysing business models, ownership setups, and financial info to get a clear view of risk.
  • Conducting proficient analysis of P&L, balance sheet and cash flow statements of Platform models.
  • Spotting and escalating any financial crime or regulatory red flags
  • Partnering with the Compliance division to make sure that AML, CTF, and regulatory responsibilities are being fulfilled.
  • Preparing (and reviewing) clear and concise summaries for internal stakeholders and risk committees, including identifying mitigants and making balanced recommendations for each client
  • Maintaining an up-to-date awareness of the client risk landscape and assisting with regular reviews

Our ideal candidate for the Head of Underwriting and Credit Risk position:

  • Has strong knowledge of merchant verticals and experience in acquiring new merchants within payments
  • Has 5 or more years of experience in underwriting, onboarding, or risk — ideally at an EMI, PSP, bank, or fintech
  • Has a strong grasp of how the payments ecosystem works and the risks involved
  • Is familiar with UK regulations (FCA rules, AML, KYC, etc.)
  • Is confident in reading financials and dissecting business models and ownership structures
  • Is detail-oriented with strong analytical and decision-making skills
  • Demonstrates a strong understanding of financial statements, business valuations, and credit risk
  • Is a highly analytical team player who loves to evaluate financial and business risks.
  • Displays great communication skills, with the ability to explain your findings clearly and concisely
  • Has a self-starter mindset—comfortable working in a fast-moving, ever-changing environment
  • Has the experience, credibility and skills to lead and mentor a team of underwriters
  • Candidates having experience of underwriting high-risk sectors, knowledge of Visa and Mastercard Rules and Regulations, holding a Compliance or Risk certification and having knowledge of tools like Sumsub, WorldCheck, Webshield would be highly desirable.

If you have the necessary skills, knowledge and experience, are based in or can commute to London and are interested in the Head of Underwriting and Credit Risk opportunity, please apply with an updated CV today.

Senior Compliance Manager

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

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.

Collections Agent

Kind Consultancy is working with an alternative Financial Services firm which is currently seeking multiple Collections Agents for a 2-month contract opportunity, with an initial 3 days of in-office training in Bristol followed by fully remote work for the rest of the contract, paying a competitive day rate.

The Collections Agent will work with business customers who have outstand payments, with key responsibilities including:

  • Responding to enquiries from customers who are experiencing financial difficulties
  • Utilising constructive conversations with customers to find suitable payment solutions for any missed payments
  • Setting up payment plans
  • Displaying compassion and understanding towards customers in vulnerable circumstances
  • Recording conversations and administrative actions within the relevant systems
  • Identifying and escalating any risks

Our ideal candidate for the Collections Agent contract:

  • Has experience of assessing affordability and working with Vulnerable Customers within a Financial Services background.
  • Has excellent communication skills and telephone manner, with the ability to deep dive into customers circumstance and balance inquisition with empathy.
  • Has substantial outbound call experience
  • Is highly punctual, well organised and passionate about delivering good service.

If you’re interested in the Collections Agent contract, have the necessary skills and experience, and can commute to Bristol for the initial in-office training period, please submit an updated CV today.

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