Compliance Manager

Together Limited; Cheadle; On-site; GBP 65,000 - 90,000; Full time

Benefits offered by this job

26 days holiday and birthday day off

Private medical insurance

Discretionary annual bonus

Pension matching

Health cash plan

Life assurance

Travel season ticket loans

Gym access

Bar/restaurant discounts

Company holidays

Job summary

Together Limited is seeking a Compliance Manager to provide second line of defence oversight and regulatory advice. You will collaborate with Product, Sales, Operations and Intermediary Relations to ensure regulatory obligations are understood and customer outcomes are protected.

The role supports a strong compliance framework, risk management, and sustainable growth, working with senior colleagues to challenge and guide business activities while upholding high standards of conduct.

Qualifications

• Experience in Compliance/Risk or Regulatory Advisory within mortgage, lending, or wider financial services.
• Good working knowledge of FCA requirements and guidance, particularly MCOB and Consumer Duty.
• Experience interpreting/regulatory requirements to business activities, journeys, policies and governance.
• Strong analytical skills to assess regulatory and conduct risks and make recommendations.
• Ability to identify emerging regulatory risks through horizon scanning and research.
• Strong written and verbal communication to explain complex regulatory topics and influence stakeholders.

Responsibilities

• Provide timely and practical regulatory advice to business units to meet compliance and customer outcomes.
• Review and challenge customer communications, policies, frameworks and procedures for regulatory alignment.
• Identify and elevate potential conduct risks to senior compliance and management with escalation procedures.
• Support implementation and embedding of regulatory change across processes.
• Attend working groups to provide regulatory input to change initiatives.
• Maintain compliance policies and guidance under direction of senior team members.
• Conduct horizon scanning and communicate regulatory developments to stakeholders.
• Build effective relationships and provide pragmatic advice and constructive challenge to stakeholders.
• Provide compliance input to projects and business change activities.
• Promote a positive compliance culture through knowledge sharing and awareness activities.

Skills

Regulatory compliance

Stakeholder engagement

Analytical thinking

Regulatory advice

Customer outcomes

Communication skills

Job description

As a Compliance Manager you will be responsible for providing second line of defence (2LOD) oversight and regulatory advice, supporting the business to understand and meet its regulatory obligations while delivering good customer outcomes. Working in partnership with key business areas, including Product, Sales, Operations and Intermediary Relations, the role provides proportionate guidance, challenge and support to enable effective risk management and regulatory compliance.

The role contributes to the Group's objectives by helping to maintain an effective compliance framework that supports sustainable growth, customer protection and positive regulatory outcomes.

As a Compliance Manager we are looking for someone to:

• Provide timely and practical regulatory advice to business units, helping them meet compliance requirements while supporting good customer outcomes
• Review and challenge customer communications, business policies, frameworks, and procedures to ensure alignment with regulatory expectations and internal standards
• Identify and elevate potential conduct risks and regulatory concerns to senior compliance colleagues and management, following established escalation procedures
• Support the implementation and embedding of regulatory change initiatives across business processes
• Attend relevant working groups and forums to provide compliance input to business activities and change initiatives
• Maintain compliance policies, procedures, and guidance under the direction of senior team members
• Conduct horizon scanning activities and communicate the potential impact of regulatory developments to relevant stakeholders
• Build effective working relationships with stakeholders, providing guidance, consultation and constructive challenge to support compliance, effective risk management and good customer outcomes
• Provide compliance input to projects, initiatives and business change activities as required.
• Promote a positive compliance culture through knowledge sharing, awareness activities and reinforcement of regulatory and customer outcome obligations
• Assist in the production of compliance management information, reports, and dashboards to support oversight and decision-making
• Prepare ad-hoc compliance reports, analysis and briefing materials for key stakeholders

Together embraces diversity and inclusion, and are proud to be an equal opportunity workplace. Not only do we welcome difference - we celebrate it, support it and really value our colleagues for who they are. We are committed to building a team that represents a variety of backgrounds, perspectives and skills.

Please note that all successful applicants will undergo relevant employment reference, financial and criminal record checks.

Essential

• Previous experience in a Compliance, Risk, or Regulatory Advisory role within the mortgage, lending, or wider financial services sector.
• Good working knowledge of FCA regulatory requirements and associated guidance, particularly Mortgage Conduct of Business (MCOB) and Consumer Duty.
• Experience of interpreting and applying regulatory requirements to business activities, customer journeys, policies, and governance frameworks.
• Strong analytical skills with the ability to assess regulatory and conduct risks, exercise sound judgement, and make proportionate risk-based recommendations.
• Ability to identify emerging risks, regulatory developments, and potential business impacts through effective horizon scanning and research.
• Strong written and verbal communication skills, with the ability to explain complex regulatory requirements clearly and influence stakeholders at all levels.
• Ability to build effective working relationships and provide pragmatic advice, guidance, and constructive challenge to business stakeholders.
• Strong organisational skills, with the ability to manage competing priorities in a fast-paced environment.
• Curious and inquisitive mindset, demonstrating critical thinking and a proactive approach to continuous improvement.
• Collaborative and solutions-focused approach, balancing regulatory requirements with commercial considerations and customer outcomes.
• Confidence to challenge appropriately and escalations concerns where required.

We’re Together

For over 50 years, we've helped thousands of people, businesses and professionals unlock their property ambitions with our common-sense approach to mortgages and secured loans.

We take the time to understand our customers and our door is always open, so we can often help when other lenders can't or won't.

Based in Cheadle, Cheshire, our 750 colleagues help our customers throughout the UK, backed by the power of a £7 billion loan book.

Benefits of working at Together

• 26 days holiday, and a day off for your birthday (increasing with service to 30 days), plus bank holidays
• Free access to company holiday homes
• Buy & sell holidays
• Discretionary annual bonus plus an additional Shared Reward Bonus
• Matched pension contribution
• Health cash plan plus Private medical insurance
• Life assurance and Critical illness cover
• Travel season ticket loans and Ride to work scheme
• Free local gym access
• Local bar / restaurant discounts