Compliance Advisory Lead — Regulatory Strategy & Risk

Castle Trust Bank; Basingstoke; Hybrid; GBP 70,000 - 100,000; Full time

Benefits offered by this job

Competitive salary

Performance bonus

Generous contributory pension

Life Assurance

25 days’ holiday + option to buy/sell

Private healthcare

Employee assistance program

Job summary

Castle Trust Bank is seeking an experienced Compliance Advisory Manager to join our Compliance Team in a high-visibility, business-facing role based in Basingstoke on a hybrid basis (3 days in office, 2 from home).

You will provide expert regulatory advice on FCA requirements, Consumer Duty and conduct risk across mortgages, consumer credit and savings products, shaping risk-based decisions that deliver good customer outcomes and support the bank's strategic growth.

Qualifications

• Significant experience within a UK regulated financial services environment covering mortgages, consumer credit, savings, deposits and ISA products.
• Strong Compliance Advisory experience within a second line Compliance function.
• Detailed knowledge of FCA regulatory requirements and expectations, including Consumer Duty and conduct risk frameworks.
• Strong understanding of FCA Handbook requirements, including MCOB, CONC, BCOBS, DISP, PRIN, PROD and financial promotions requirements.
• Experience supporting Product Governance, product development and customer outcome assessments.
• Ability to interpret complex regulatory requirements and apply them pragmatically to products, customer journeys, communications and operational activities.
• Experience reviewing and approving financial promotions.
• Experience providing effective challenge whilst maintaining strong stakeholder relationships.
• Strong written and verbal communication skills with the ability to influence at all levels.
• Excellent organisational skills with the ability to manage multiple priorities and deadlines.

Responsibilities

• Provide expert Compliance advice and constructive challenge across our consumer credit, mortgage and savings businesses, including deposits and ISA products.
• Act as a trusted adviser on FCA regulatory requirements, Consumer Duty, conduct risk, product governance, complaints, vulnerable customers, financial promotions and customer communications.
• Interpret regulatory requirements and translate expectations into practical, commercially aware solutions.
• Review and challenge policies, procedures, customer journeys, operational processes and controls to support regulatory compliance and positive customer outcomes.
• Identify emerging regulatory and conduct risks, agreeing proportionate mitigation actions and escalating material concerns where appropriate.
• Support stakeholders in making informed, risk-based decisions whilst maintaining compliance with regulatory expectations.
• Review and approve financial promotions and customer communications, ensuring clarity and fairness.
• Provide specialist guidance on Consumer Duty, fair value, foreseeable harm and customer understanding considerations across products and services.
• Support the design and delivery of customer journeys, communications and processes that achieve positive customer outcomes.
• Challenge business proposals where regulatory or conduct risks are identified, helping stakeholders develop effective and compliant solutions.
• Provide Compliance subject matter expertise and regulatory guidance on business initiatives, projects and product developments.
• Assess regulatory implications of proposed changes and provide pragmatic advice to support compliant implementation.
• Review customer outcome assessments, risk assessments and governance documentation, providing independent challenge where required.
• Support stakeholders in understanding and applying regulatory requirements throughout the change lifecycle.
• Ensure Consumer Duty, conduct risk and customer outcome considerations are appropriately reflected in business decisions.
• Prepare regulatory analysis, impact assessments, Compliance opinions, committee papers and management reporting.
• Support regulator-facing activities, including information requests, thematic reviews and remediation programmes.
• Maintain robust records of Compliance advice, approvals, challenge and decisions to support strong governance and auditability.
• Build effective and trusted relationships across the Bank, providing balanced, pragmatic and commercially aware challenge.
• Deliver Compliance training and awareness initiatives to enhance regulatory understanding across the business.
• Contribute to the continuous improvement and maturity of the Compliance function.

Skills

Regulatory knowledge

Influencing stakeholders

Written and verbal communication

Organisational skills

Education

ICA, CISI or equivalent qualification

Job description

Castle Trust Bank is seeking an experienced Compliance Advisory Manager to join our Compliance Team in a high-visibility, business-facing role based in Basingstoke on a hybrid basis (3 days in office, 2 from home).

You will provide expert regulatory advice on FCA requirements, Consumer Duty and conduct risk across mortgages, consumer credit and savings products, shaping risk-based decisions that deliver good customer outcomes and support the bank's strategic growth.