Compliance Manager – Credit

This is a fully remote position, open to applicants in United Kingdom.

📋 Description

• Provide daily second-line oversight for handling complaints, collections and arrears, and customer support.

• Communicate compliance findings and trends to the SMF16/17.

• Review and authorize marketing materials, app journeys, servicing emails, arrears communications, and partner promotions prior to their release.

• Evaluate customer-facing content in relation to financial promotions regulations, Consumer Duty, and the CAP Code.

• Serve as the deputy Money Laundering Reporting Officer (MLRO).

• Conduct the initial review of financial crime alerts, escalations, and internal Suspicious Activity Reports (SARs) and prepare them for MLRO decision-making.

• Assume MLRO responsibilities as required.

• Implement monitoring and testing for Consumer Duty outcomes, including the identification and support of vulnerable customers.

• Compile Management Information (MI) packs for the Board and Executive Committee (ExCo).

• Prepare scheduled FCA returns and respond to ad hoc data requests for approval.

• Maintain the compliance breach log, issues log, and actions tracker.

• Oversee third-party compliance on a daily basis, including vendor due diligence and continuous monitoring.

• Assist the SMF16/17 with new product reviews, product changes, regulatory change initiatives, and the firm's financial crime framework.

• Collaborate directly with the SMF16/17 regarding FCA engagement.

⛳️ Requirements

• Minimum of 3 years' experience in a compliance position within an FCA-regulated firm.

• Direct experience with consumer credit products.

• Practical financial crime experience, encompassing the review of alerts and escalations, as well as drafting or reviewing internal SARs.

• Strong understanding of the Proceeds of Crime Act (POCA) and the Money Laundering Regulations.

• Hands-on experience in reviewing and approving financial promotions and customer-facing communications in accordance with FCA regulations.

• Familiarity with Consumer Duty and the handling of DISP complaints.

• Experience in providing second-line oversight or quality assurance for complaints, collections, or customer support.

• Capable of preparing written reports and MI for senior stakeholders.

• Ability to deliver clear, actionable regulatory advice to first-line teams under tight deadlines.

• Comfortable working within a lean team, quickly understanding the brief and navigating ambiguity.

• Relevant qualifications such as the ICA Certificate or Diploma in Compliance or Anti Money Laundering are preferred.

• Legal right to work in the location of application.

🏝️ Benefits

• Opportunity to tackle significant real-world challenges.

• Make a global impact that is visibly recognized.

• Access to AI tools to enhance speed in drafting, analysis, and quality assurance.

• Work alongside seasoned compliance leadership.

• Contribute to products that assist individuals relocating internationally along with their families.