Assurance Officer

Kind Consultancy is currently working with a national Financial Services network which is currently seeking an Assurance Officer to join their Compliance team, on a full-time, permanent basis with a remote work model.

The Assurance Officer will report to the Assurance Team Lead and actively and support and monitor network-member businesses, conducting Assurance meetings and upholding the professional standing of the network, with key responsibilities including:

  • Ensuring that Member firms are current with Assurance requirements and assisting in the implementation of any necessary changes.
  • Conducting assurance reviews for applicant members, demonstrating a hands-on approach to compliance assessments.
  • Answering calls on the compliance line, providing direct support to members navigating compliance inquiries.
  • Assisting the Assurance Team Lead
  • Contributing to a culture of training and development through educational initiatives
  • Actively contributing to the compliance team by supporting colleagues

Our ideal candidate for the Assurance Officer opportunity:

  • Has previous exposure to Commercial Finance, audits, reviews and Financial Services regulations
  • Is familiar with Information Technology, including competence tracking.
  • Can quickly understand and analyse complex information.
  • Demonstrates good problem-solving skills.
  • Has strong verbal and written communication abilities, able to clearly and concisely convey information.
  • Displays exceptional attention to detail for accurate compliance assessments.
  • Has a track record of thorough documentation and record-keeping.
  • Has a strong customer service mindset for member support.

If you’re interested in the Assurance Officer position and you have the skills and experience we’re looking for, please apply with an updated CV today.

Customer Financial Support Associate

Kind Consultancy is working with a fast-growing Motor Finance firm which is currently seeking a Customer Financial Support Associate to join them in a full time, hybrid role based in their Cheshire offices, paying up to £27,000 and requiring 2 Saturday morning’s worked per month.

The Customer Financial Support Associate will support customers who have outstanding payments, with key responsibilities including:

  • Communicating with customers who have failed to meet their agreed payment date, showing forbearance and support to help them get their agreement up to date.
  • Ensuring that all customer agreements are reviewed thoroughly to understand the customer’s situation, making sure that all previous agreement notes are checked for previous customer communications and arrangements in place.
  • Reviewing arrears repayment plans on a regular basis to ensure they remain in line with the customer’s circumstances.
  • Identifying, recognising and working with customers whose are experiencing vulnerable circumstances.
  • Communicating with customers both verbally and in writing in a clear and fair way
  • Completing all actions that are agreed with customers in the relevant time frames to ensure the best customer experience is achieved.
  • Where applicable signpost customers to relevant non-for-profit organisations for support and advice
  • Deliver outstanding customer service at all times in line with the vulnerable customers and debt collections policies and procedures.
  • Conducting all tasks in line with regulatory rules and expectations and in particular consumer duty and treat customers fairly

Our ideal candidate for the Customer Financial Support Associate opportunity:

  • Has good IT skills including a working knowledge of Microsoft Office applications
  • Has excellent communication skills in both writing and speech, with the ability to listen empathically and make customers feel heard and understood
  • Has previous call centre experience (it would be very desirable if this was within Motor Finance or Financial Services)
  • Is a team player with a positive attitude
  • Holds GCSE (or equivalent) qualifications in Maths and English

If you’re interested in the Customer Financial Support Associate role and you have the skills and experience we’re looking for and you’re based in or can commute to Cheshire, please apply with an updated CV today.

Head of Compliance & MLRO

Kind Consultancy is working with a successful, established trading and investment brokerage which uses a modern, technology-led approach to give UK investors access to international exchanges. This firm has retained Kind Consultancy to recruit a new Head of Compliance & MLRO to join their London offices in a permanent role paying £120,000.

The Head of Compliance & MLRO will have responsibility for oversight of the firm’s compliance and reporting to the directors, with key responsibilities including:

  • Ensuring the business fulfils it’s obligations relating to SMCR (including implementation and oversight) and Conduct rules
  • Establishing, implementing and maintaining policies and procedures that ensure compliance of the organisation under all relevant regulations
  • Researching and understanding any changes in regulation, assessing how they apply to the business and advising the directors of any likely implications of changes to internal policies.
  • Advising and assisting the directors on regulatory matters including on the implications of future business strategies.
  • Carry out regulatory reporting and notifications and, as required, due diligence reviews
  • Maintaining the firm’s Compliance Manual, FCA Register standing information and Directory persons listing.
  • Designing, maintaining and carrying out the Compliance Monitoring Program: Monitoring and, on a regular basis, assessing the adequacy and effectiveness of the measures and procedures put in place, and the actions taken to address any deficiencies in compliance
  • Taking the lead in the ICARA process: Working with directors to ensure that the review is carried out at the beginning of each business year and on any material change to business plans, and that the ICARA adequately reflects the risks facing customers, the market, and the business itself in a manner appropriate to the scale, nature and complexity of the firm’s products and services.
  • Recruiting, training and managing Compliance Team members as appointed
  • Approving marketing and all other public/customer facing communications.
  • Acting as the business’s representative in all interactions with the FCA
  • Overseeing operational compliance with CASS; and reporting to the organisation’s governing body in respect of that oversight.
  • Responsibility for the establishment and maintenance of effective CASS systems and controls.
  • Responsibility for the Firm’s policies and procedures for countering the risk that the Firm might be used to further financial crime.
  • Acting as the MLRO, undertaking Controlled Function SMF16, establishing and maintaining effective anti-money laundering systems and controls.
  • Developing and maintaining anti-money laundering and counter-terrorist financing policy in line with evolving statutory and regulatory obligations.
  • Creating and maintaining the money laundering risk-based approach and the risk assessment of the Firm’s customers, products, and services.

For the Head of Compliance & MLRO opportunity, we’re looking for candidates who:

  • Currently hold or have recently held Head of Compliance and MLRO titles
  • Have substantial knowledge of trading and investments, ideally gained through previous Prime Brokerage experience
  • Have an in-depth understanding of all relevant UK Financial Services regulations including FCA Handbooks
  • Have well-developed people management and team leadership skills
  • Are excellent communicators, able to translate complex regulatory issues for a variety of audiences
  • Have a successful track record of leading Compliance functions within Financial Services
  • Holding one or more relevant professional qualifications would be desirable

Note this position will require FCA Approval and enhanced screening for all candidates.

If you’re interested in the Head of Compliance & MLRO role and have the necessary skills, knowledge and experience, please apply with an updated CV today.

Business Development Manager

Kind Consultancy is working with a well-established Challenger Bank which is currently seeking a Business Development Manager to join them in a full-time, permanent role paying up to £80,000, with a hybrid work model 50% based in their East Midlands offices.

Reporting to the Regional Director, the Business Development Manager will focus on identifying and develop business opportunities and broker and professional relationships, generating compliant profitable sales through the achievement of sales targets, whilst ensuring good customer outcomes. Key responsibilities will include:

  • Working closely with the Regional Director to develop and implement a sales’ strategy for their respective region and target market through the management of key client and intermediary relationships.
  • Identifying and developing sales opportunities from new to Bank customers and brokers, generating sales whilst meeting all regulatory and compliance requirements, ensuring the correct customer outcomes are continually achieved.
  • Promoting, identifying, qualifying and passing on leads to other sales teams, acting as an Ambassadors of the bank at all times
  • Ensuring all paperwork is obtained, facts declared and all due diligence is completed in line with Bank requirements, before submitting quality applications to Credit to support new proposals.
  • Working closely with both the Sales and Operations Team to effectively onboard and drawdown deals for new to Bank clients, retaining overall responsibility for all conditions for a loan until drawdown has occurred.
  • Establishing and maintaining effective and respectful communication links with all relevant departments, and other bank staff to identify all sales opportunities, increased areas of risk or process improvements.
  • Maintaining accurate records of all sales and annual review activity and preparing regular forecasts to enable effective forward planning.
  • Encouraging enrolment of new customers in customer satisfaction surveys to identify scope for improvements in product quality and service delivery.
  • Maintaining a high level of market awareness, monitoring the sales performance of competitors to ensure that the Bank maintains and develops its competitive position, identifying opportunities for new products or product enhancement as appropriate

Our ideal candidate for the Business Development Manager opportunity:

  • Has a proven track record of success in business development and sales, preferably in Financial Services, Banking or a related field
  • Has experience of leading a team and developing individuals to maximise their performance
  • Has a good understanding of the relevant rules under the Financial Services Acts as part of an overall high level of financial and commercial awareness, including knowledge of Credit Analysis and an understanding of Conduct Risk and Consumer Duty requirements.
  • Impressive record of achieving targets
  • Excellent sales, interpersonal, communication, time management, planning and organisational skills
  • An appropriate knowledge and experience of sales and marketing

If you’re interested in the Business Development Manager opportunity, you’re based in or can commute to the East Midlands and you have the skills and experience we’re looking for, please apply with an updated CV today.

Senior Compliance Manager

Kind Consultancy is working with a successful Challenger Bank which is currently seeking a Senior Compliance Manager to join them in a full-time, permanent role based in their Birmingham offices with a hybrid model requiring 2 in-office days per week and paying circa £80,000.

The Senior Compliance Manager act as subject matter expert across all areas of FCA regulation, with key responsibilities including:

  • Applying experience and understanding of the FCA Handbook to day-to-day decision making and the provision of advice.
  • Maintaining awareness of the latest commercial and technical developments
  • Ensuring that all identified areas of conduct and regulatory risk are clearly documented and mapped back to an assessment of performance against risk appetite, in line with the organisation’s Enterprise Wise Risk Management Framework
  • Engaging with the FCA and internal stakeholders to provide information or responses to queries, potentially including detailed data requests in relation to areas such as arrears management, operational resilience etc.
  • Managing a team to analyse potentially complex regulatory publications and interpreting them into key messages of relevance to the bank’s activity.
  • Acting as a proactive collaborator with relevant departments to ensure regulatory requirements are met and changes are well understood and planned for.
  • Supporting colleagues in the creation of responses to regulatory consultation papers as required.
  • Maintaining a risk-based approach in decision making, ensuring appropriate escalation of causes of concern to senior management where required.
  • Championing sound risk management practices, including identification, analysis, monitoring, reporting and controls, engaging with Risk colleagues to ensure consistent messaging across the Division.
  • Effectively prioritising multiple tasks for both self and others over a variety of time periods, spanning from daily activities through to longer term project engagements.
  • Implementing and maintaining effective controls to support accurate and insightful data analysis and reporting.
  • Using company data and existing operational reporting to measure delivery of good customer outcomes and to identify key areas of conduct and regulatory risk.
  • Reviewing and challenging existing reporting mechanisms and formats to ensure that Compliance MI is engaging, visual and clearly directs the recipient to the key areas of concern or interest.

Our ideal candidate for the Senior Compliance Manager opportunity:

  • Holds one or more relevant industry qualifications such as the International Compliance Association (ICA) GRC Diploma.
  • Has a minimum of five years of experience working in a compliance role and managing team performance.
  • Can effectively adapt communication styles to provide feedback and guidance both verbally and in written reports.
  • Can demonstrate risk-based decision making, and the ability to influence key stakeholders to drive the regulatory agenda
  • Is confident in managing their own workload and deliverables, ensuring high standards of quality and advice
  • Is able to interpret regulatory developments and apply them to the bank’s activities.

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

Compliance Policy & Advice Manager

Kind Consultancy is working with a well-established Retail Financial Services firm which is currently seeking a Compliance Policy & Advice Manager to join them in a full-time, permanent role paying circa £55,000 (dependent on experience) and based in their West Midlands office with a hybrid work model.

As part of the Risk team, the Compliance Policy & Advice Manager will provide sound, accurate and commercial advice on regulatory (conduct and prudential risk) matters affecting the firm, with key responsibilities including:

  • Managing and leading a small team of Compliance Business Partners.
  • Providing advice and guidance to the business on technical regulatory issues, utilising broad Financial Services knowledge to contribute to policy changes to in-house regulations, analysing the impact of regulatory changes, appreciating when potential issues require escalating, and ensuring the implementation of any required changes to internal policies and procedures.
  • Developing team knowledge and competence in technical areas, minimising the impact of staff turnover and maintaining continuity of support.
  • Ensuring that the business attains the highest standards of conduct and data protection regulatory compliance, in all areas of business operation, meeting all appropriate regulatory and legislative requirements
  • Providing subject matter expert advice on all conduct related regulatory sourcebooks (BCOBS, MCOB, ICOB, CONC, PERG, SYSC etc.) as well as providing horizon scanning overviews of relevant Prudential Compliance matters.
  • Meeting regulatory and legislative timescales, providing well-structured, well-considered summaries of proposed regulatory change to the business and collating responses to the regulator as required.
  • Participating in, and at times leading, projects and initiatives in support of improving the processes and products offered to customers
  • Producing MI and regulatory update reports for presentation at various levels of committees including regulatory timeline updates to the Executive and the Board.

Our ideal candidate for the Compliance Policy & Advice Manager opportunity:

  • Has 5 or more years of retail banking or building society experience with a minimum of 3 years exposure to Compliance/Risk activity.
  • Has proven team leadership experience and excellent spoken and written communication skills and the ability to communicate with and present to, a wide range of stakeholders at all levels of seniority
  • Is educated to A level standard or equivalent and holds a Regulatory/Compliance qualification, e.g. FPC, CeMap, AdvCeMap, CERGI.
  • Is highly computer-literate

If you have the skills, experience and qualifications we’re looking for and you’re interested in the Compliance Policy & Advice Manager role, please apply with an updated CV today.

Business Analyst

Kind Consultancy is working with a successful, fast-growing Motor Finance business which is currently seeking a Business Analyst to join them in a full-time permanent role paying £50,000 -£60,000 which can be based out of their offices in Manchester, Oxfordshire or London and they will also consider remote work.

The Business Analyst will use innovative strategies to drive organisational efficiencies across the Operations function, assessing, mapping and documenting processes and owning the overall delivery of a full project lifecycle, with key responsibilities including:

  • Taking full ownership of the entire project lifecycle.
  • Collaborating with key stakeholders including Engineering, Product and Operations staff to gather requirements and define project scope.
  • Conducting thorough analysis of businesses processes relating to the project.
  • Gathering and documenting detailed requirements, whilst keeping business objectives in mind.
  • Identifying opportunities for process improvement and efficiencies through data analysis and stakeholder collaboration.
  • Proposing and implementing solutions to drive continuous improvement of operational processes.
  • Supporting the implementation of new products into Operations.
  • Presenting regular updates and project progress and outcomes to key stakeholders.
  • Identifying, understanding and mitigating risks and issues and raising where appropriate

Our ideal candidate for the Business Analyst opportunity:

  • Has previous experience as a Business Analyst within an Operations space in a regulated environment (preferable if you have Recoveries experience within the motor finance industry)
  • Has previous experience of driving operational improvements and always considering the customer, optimal efficiency and regulation
  • Has strong Analytical skills and ability to transform business needs into functional requirements.
  • Has experience of working across the full lifecycle of a project both structured and agile environments.
  • Has excellent project management skills with the ability to manage multiple projects simultaneously.
  • Has a hands-on approach and strong prioritisation skills with the ability to multi task
  • Has effective communication and interpersonal skills.
  • Has experience of process documentation, re-creation and implementation of new processes.

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

Business Controls Director

Kind Consultancy is working with a leading challenger bank which is currently seeking a Business Controls Director to join them in a full-time, permanent role based in their West Midlands offices paying £100,000 to £120,000.

The Business Controls Director will report to the Chief Operating Officer, and will be responsible for ensuring the Chief Operating Office function is able to design, implement and execute consistently on control frameworks across a variety of technical disciplines. They will also ensure a first line perspective on compliance is aligned with existing and emerging regulation and will be accountable for group functions such as Procurement, Operational Resilience, Property, Financial Crime Operations and Quality Control for the Operations function.

For the Business Controls Director opportunity, we’re looking for candidates who

  • Are currently in a Risk/Controls Director position
  • Have a significant Risk/Controls management background, with director level experience
  • Have demonstrable knowledge of Financial Services and associated regulations.
  • Are passionate about continually exploring innovative tools and processes for Risk management.
  • Are proactive in suggesting improvements to processes and awareness of upcoming regulations.
  • Understand and have experience in directing Operational Resilience, Procurement or Financial Crime
  • Can influence and obtain buy-in from a wide group of stakeholders

If you’re interested in the Business Controls Director opportunity and you have the skills and experience we’re looking for, please apply with an updated CV today.

Compliance Review Officer

Kind Consultancy is working with a national Mortgage & Protection network which is currently seeking a Compliance Review Officer to join them in a full-time, permanent role paying £25,000 – £29,000 dependent on experience. The organisation’s head offices are in the East Midlands but for this role they are open to fully-remote work.

Reporting the Compliance Manager, the Compliance Review Officer will assess client files to ensure member firms are fully compliant with regulations and company standards, with key responsibilities including:

  • Monitoring and maintaining adherence to FCA guidelines and other regulatory obligations.
  • Ensuring that network standards are adhered to by all Appointed Representatives and their Advisers, in line with internal sales processes and procedures.
  • Conducting desk-based checks to ensure complete sales documentation for mortgage and insurance product sales have been uploaded to the appropriate CRM system.
  • Carrying out desk-based analysis of mortgage and insurance product recommendations and sales documentation issued by Appointed Representatives and their Advisers.
  • Producing reports and maintain records of such analysis as specified by the Internal Compliance Manager/Compliance Director.
  • Building strong relationships with key stakeholders, championing good customer outcomes.
  • Providing appropriate guidance to Appointed Representatives, their Advisers and their employees where routine monitoring identifies scope for improvement or where assistance has been requested.
  • Reporting wilful and uncorrected deficient advice and/or documentation and agreeing on the appropriate remedial action.
  • Maintaining ongoing competency through development of personal training plans in conjunction with the Internal Compliance Manager

Our ideal candidate for the Compliance Review Officer opportunity:

  • Is CeMAP qualified (or willing to work toward it)
  • Has at least 2 years of experience in a similar role within the Financial Services sector
  • Has knowledge of systems of control and able to follow clearly defined procedures
  • Is a confident user of Microsoft Office suite i.e. Excel, Word etc.
  • Has a good grounding and understanding of working within a Regulatory environment
  • Has demonstrable supervisory skills and excellent verbal and written communication skills
  • Is able to analyse information with a view to making informed decisions
  • Can facilitate and deliver appropriate training, liaising with the training manager where necessary
  • Is a good team player, but with an ability to work under own initiative

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

Senior Financial Crime Manager and Deputy MLRO

Kind Consultancy is working with a well-established and successful Retail Financial Services business in the West Midlands which is currently seeking a Senior Financial Crime Manager & Deputy MLRO to join them in a full-time permanent role paying circa £65,000, with a hybrid work model requiring 2 days in-office per-week.

The Senior Financial Crime Manager & Deputy MLRO will report to the Chief Compliance Officer and will manage 5 direct reports in the Financial Crime team, with key responsibilities including:

  • Identifying risks within the business and its subsidiary companies relating to Financial Crime, developing effective and proportionate systems and controls.
  • Analysing all regulatory output in Financial Crime matters, carrying out Gap Analysis and preparing recommendations and action plans as appropriate where gaps are identified
  • Identifying and reporting on areas of weakness in current procedures and making recommendations for improvement.
  • Producing monthly and quarterly reports for the Executive Risk and Board Risk Committees
  • Deputising for the Chief Compliance Officer & MLRO when required
  • Leading a team of Financial Crime Analysts.
  • Maintaining an excellent working knowledge of the Financial Crime guidelines and any other relevant legislation (e.g. JMLSG)
  • Acting as a key point of contact for Financial Crime related issues and delivering advice and guidance to staff where required.
  • Authoring and maintaining the Financial Crime Risk Management Framework and associated policies as well as conducting the annual Fraud & AML Risk Assessment for the business
  • Acting as a SME for all change programmes within the organisation
  • Managing and co-ordinating Financial Crime investigations, and representing the business in Court
  • Representing the business on trade body panels, including UK Finance
  • Delivering training on Financial Crime to both new starters and all staff on a regular basis
  • Developing and extending the Financial Crime team’s knowledge and competence in technical areas

Our ideal candidate for the Senior Financial Crime Manager & Deputy MLRO position:

  • Must have current experience of Financial Crime / AML related work, with a minimum of 5 years of experience within a financial institution.
  • Is capable of working towards being approved by the FCA as the MLRO (SMF17) within a reasonably short timeframe.
  • Must have strong communication skills – essential for this role as the role holder will need to communicate clearly and concisely both in writing and speech for an area that is technical and complex, and must be able to communicate effectively with a wide range of stakeholders including Senior Management and Board Members.
  • Holds a relevant Financial Crime/AML qualification (Certificate level minimum).
  • Having previous experience of database mining techniques, and Fraud Detection systems such as SIRA, CiFAS or National Hunter would be desirable, as would Mortgage Fraud and On-line transactional fraud experience
  • Has a proven ability to coach and develop a team with a minimum 3 years of team leadership experience.

If you’re interested in the Senior Financial Crime Manager and Deputy MLRO position and you have the skills, knowledge and qualifications we’re looking for, please apply with an updated CV today.

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