Compliance Officer (Mortgages and Financial Planning)

Howden; England; Hybrid; GBP 40,000 - 60,000; Full time

Job summary

A leading financial services company in England is seeking a Compliance Officer for the Mortgages and Financial Planning pillar. This role involves ensuring compliance with regulations, providing guidance, and conducting audits. Ideal candidates will have experience in financial services, knowledge of FCA regulations, and strong interpersonal skills. This position offers a hybrid working environment and opportunities for professional development.

Qualifications

• Experience in financial services, especially mortgages.
• Adequate knowledge of FCA principles and regulations.
• Understanding of requirements under The Consumer Duty.
• Excellent interpersonal and communication skills.
• Excellent analytical skills and comfort in a regulatory environment.
• Ability to work as part of a team and individually.
• CeMap or equivalent required.

Responsibilities

• Adhere to and complete monitoring and operational tasks per Compliance Monitoring Plan.
• Quality Assurance of Adviser files including regulated mortgages.
• Provide face-to-face feedback where appropriate.
• Writing and implementing thematic reviews.
• Producing Compliance Audit Reports.
• Handling complaints from investigation through to conclusion.
• Producing Management Information.
• Completing FCA reports on RegData.
• Understanding and Implementing Consumer Due Diligence procedures.
• Completing internal suspicious activity investigations.
• FIT & Proper / SMCR Checks.
• Assisting with data protection requirements.
• Approval of standard documents and Financial Promotions.
• Writing and implementing company-wide training.
• Creation, review, and updating of company policies and procedures.

Skills

Experience in financial services

Knowledge of FCA principles and regulations

Understanding of Consumer Duty

Interpersonal and communication skills

Analytical skills

Teamwork and individual work ability

CeMap or equivalent

Job description

Compliance Officer (Mortgages and Financial Planning)

Location: London (Hybrid)

We’re currently looking for a Compliance Officer to join our Mortgages and Financial Planning pillar. This pivotal role supports our mission to deliver clear, pragmatic guidance and advice—safeguarding our clients, colleagues, and the business through a risk‑based, commercially aware approach.

The Role

The Compliance Officer plays a vital role in supporting our mission to provide clear, pragmatic guidance and advice to the business—protecting our clients, colleagues, and the organization through a risk‑based, commercially aware approach. We are committed to fostering a culture where every team member is empowered to make decisions, take accountability, and challenge constructively to achieve the right outcomes. The Compliance Officer will help drive continuous improvement, ensuring that compliance and financial crime programs are robust, practical, and accessible.

Principal Accountabilities

• The CO will be expected to adhere to and complete monitoring and operational tasks as set out in the Department’s Compliance Monitoring Plan.
• Quality Assurance of Adviser files including Regulated and Non‑Regulated Mortgages, Consumer Credit, Pure Protection; includes transactions undertaken by SPF subsidiary companies.
• Provide face‑to‑face feedback where appropriate.
• Writing and implementing thematic reviews.
• Production of Compliance Audit Reports regarding the audits conducted.
• Complaints Handling (from investigation through to conclusion).
• Production of Management Information.
• Collating information for and completing the FCA reports on RegData.
• Understanding and Implementing Consumer Due Diligence procedures.
• Completing internal suspicious activity investigations (through to completion) and completing NCA reporting.
• FIT & Proper / SMCR Checks including updating the FCA Directory.
• Assisting with meeting the requirements under data protection.
• Approval of standard documents and Financial Promotions.
• Writing and implementing company wide training.
• Creation, review, and updating of company policies and procedures.

Qualifications and Skills Required

• Must have experience in financial services, especially mortgages.
• Must have adequate knowledge of FCA principles and regulations.
• Must have an understanding of the requirements under The Consumer Duty.
• Must have excellent interpersonal and communication skills.
• Must have excellent analytical skills and happy to work in a structured, regulatory driven and process orientated, environment.
• Must be able to work as part of a team and individually.
• CeMap or equivalent required.

What do we offer in return?

• Our successes have all come from someone brave enough to try something new.
• We support each other in the small everyday moments and the bigger challenges.
• We are determined to make a positive difference at work and beyond.

Reasonable Adjustments

We're committed to providing reasonable accommodations at Howden to ensure that our positions align well with your needs. Besides the usual adjustments such as software, IT, and office setups, we can also accommodate other changes such as flexible hours or hybrid working.

If you're excited by this role but have some doubts about whether it’s the right fit for you, send us your application – if your profile fits the role’s criteria, we will be in touch to assist in helping to get you set up with any reasonable adjustments you may require.