Compliance Manager

Together Financial Services Limited; Heald Green; Remote; GBP 60,000 - 90,000; Full time

Benefits offered by this job

26 days holiday

Birthday day off

Bank holidays

Company holiday homes

Buy & sell holidays

Discretionary annual bonus

Shared Reward Bonus

Life assurance

Critical illness cover

Travel season ticket loans

Ride to work

Gym access

Bar/restaurant discounts

Job summary

Together Financial Services Limited is seeking a Compliance Manager to oversee second line of defence and provide regulatory guidance to the business to ensure compliance and positive customer outcomes. You will collaborate with Product, Sales and Operations to interpret regulations, review policies and drive risk-based improvements.

The role focuses on maintaining robust compliance frameworks, supporting change initiatives, and building strong relationships with stakeholders, while upholding

Qualifications

• 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 escape concerns where required.

Responsibilities

• Provide timely and practical regulatory advice to business units and support good customer outcomes.
• Review customer communications, policies and procedures for regulatory alignment with expectations and internal standards.
• Identify and escalate potential conduct risks 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.

Skills

Compliance experience

Regulatory knowledge

Regulatory interpretation

Analytical skills

Horizon scanning

Communication skills

Stakeholder management

Organisational skills

Curiosity

Collaborative mindset

Challenge culture

Job description

• Working Hours: Standard (09:00am-17:30pm)
• Department: Compliance
• Office or Field Based: Office Based (Cheadle, SK8 3GW)
• Contract type: Permanent

Company Description

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
• Life assurance and Critical illness cover
• Travel season ticket loans and Ride to work scheme
• Free local gym access
• Local bar / restaurant discounts

Company Description

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.

Job Description

As a Compliance Manageryou 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 aCompliance Managerwe 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 escape 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

Qualifications

• 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 escape concerns where required.

Additional Information

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.

If you feel you'd benefit from any support or reasonable adjustments during any stage of the recruitment process, please don't hesitate to let us know when completing your application. This information will be picked up by our team, so we can try and put steps in place to help you be at your best through this process.

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

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