Chief Compliance & Risk Oversight (Remote)

Consult; United Kingdom; Remote; GBP 120,000 - 180,000; Full time

Benefits offered by this job

Remote working

Flexible hours

Bonus

Job summary

Fiducia Commercial Network is seeking a Head of Compliance (SMF16) to lead the compliance function across its Appointed Representative network. The role reports to the Group CEO and Board, offering strategic influence and a chance to shape governance, oversight, and regulatory risk management.

You will drive the compliance program, oversee AR due diligence, monitoring, reporting, and regulatory returns, and work with AI and data tools to modernise monitoring and enhance customer outcomes.

Qualifications

• 5–10 years' experience in compliance or risk with senior-level responsibility.
• Recognised financial services compliance qualification such as ICA Diploma in Governance, Risk and Compliance.
• Ability to obtain SMF16 approval.
• Strong knowledge of FCA Handbook, FSMA 2000, SM&CR and CONC.
• Experience within FCA-regulated principal firms, intermediaries, brokers or AR networks.
• Direct experience of AR due diligence, onboarding, supervision, monitoring and periodic reviews.
• Experience designing and delivering risk-based compliance monitoring programmes.
• Experience submitting FCA regulatory returns via RegData (CCR series and REP025).
• Experience leading compliance teams and external consultants or outsourced support.
• Ability to present compliance matters and material risks to senior leadership and the Board.
• Experience managing regulatory enquiries, breaches, complaints and remediation programmes.
• Evidence of making difficult compliance decisions, including restricting activities or suspensions.
• Experience in commercial finance or credit broking.

Responsibilities

• Hold the SMF16 Compliance Oversight function, subject to FCA approval, and maintain a clear Statement of Responsibilities.
• Own the compliance risk assessment, annual compliance plan and risk-based monitoring programme.
• Provide independent advice and reporting to the Board on regulatory obligations, compliance risks and breaches.
• Oversee the identification, escalation and resolution of compliance issues, including remediation activity.
• Lead AR due diligence, onboarding and ongoing supervision.
• Maintain a risk-based approach to AR oversight, including enhanced monitoring where necessary.
• Ensure each AR undergoes a review at least every 12 months and lead the annual assessment of AR oversight arrangements.
• Oversee interventions and remediation, including training, enhanced monitoring, restrictions, suspensions and termination where appropriate.
• Design and deliver a monitoring programme covering file reviews, thematic reviews, broker assessments and AR visits.
• Lead the compliance team responsible for day-to-day file checking.
• Oversee Consumer Duty compliance, complaints handling, financial promotions, conflicts of interest and sales incentives.
• Monitor customer outcomes, identify foreseeable harm and prepare the annual Consumer Duty report for the Board.
• Use management information, dashboards and exception reporting to identify emerging risks and areas requiring improvement.
• Oversee the preparation, review, sign-off and submission of FCA regulatory returns, including FIN073, CCR001, CCR002, CCR009, REP025, REP008, complaints reporting and Firm Details Attestation.
• Manage FCA notifications, regulatory correspondence and responses to enquiries.
• Oversee financial crime controls, including AML, sanctions and fraud, alongside data protection requirements.
• Lead and develop the compliance team, including oversight of external consultants or outsourced support.
• Interpret regulatory developments and translate requirements into policies, procedures and controls.
• Deliver compliance training to colleagues and AR firms.
• Work with the technology team to integrate compliance controls and reporting into FiduciaOne.
• Identify opportunities to use AI, automation and data to improve the efficiency and effectiveness of compliance processes.

Skills

Regulatory compliance

Leadership

Communication

Risk management

FCA regulation

Strategic thinking

Stakeholder management

Education

ICA Diploma in Governance, Risk and Compliance

SMF16 regulatory qualification

Job description

Fiducia Commercial Network is seeking a Head of Compliance (SMF16) to lead the compliance function across its Appointed Representative network. The role reports to the Group CEO and Board, offering strategic influence and a chance to shape governance, oversight, and regulatory risk management.

You will drive the compliance program, oversee AR due diligence, monitoring, reporting, and regulatory returns, and work with AI and data tools to modernise monitoring and enhance customer outcomes.