Head of Business and Commercial Banking – Business Products, Conduct and Compliance Risk Specialist

Lloyds Banking Group; City of Edinburgh; Hybrid; GBP 114,000 - 136,000; Full time

Job summary

An established industry player is seeking a Head of Business and Commercial Banking to lead their Conduct & Compliance Risk team. This pivotal role involves developing a center of excellence in risk management, ensuring compliance with regulations while fostering innovative practices. The ideal candidate will possess extensive experience in compliance advisory roles, particularly within financial institutions, and will be adept at building strong relationships with stakeholders. Join a forward-thinking organization that values diversity and is committed to making a positive impact in the financial sector. If you are ready to take on this exciting challenge, we want to hear from you!

Benefits

Generous pension contribution up to 15%

Annual performance-related bonus

Share schemes including free shares

Discounted shopping benefits

30 days holiday plus bank holidays

Wellbeing initiatives

Generous parental leave policies

Qualifications

• Proven track record in Compliance Advisory within Financial Institutions.
• Deep expertise in Business and Commercial Banking regulations.

Responsibilities

• Lead Conduct & Compliance Risk for Business and Commercial Banking.
• Develop oversight plans and assess compliance with UK regulations.

Skills

Compliance Advisory

Conduct & Compliance Risk Management

Commercial Lending Knowledge

Decision Making

Leadership Skills

Education

Degree in Finance or Related Field

Tools

Compliance Frameworks

Job description

End Date

Friday 16 May 2025

Salary Range

£0 - £0

We support flexible working – click here for more information on flexible working options

Flexible Working Options

Hybrid Working, Job Share

Job Description Summary

.

Job Description

JOB TITLE: Head of Business and Commercial Banking –

Business Products, Conduct and Compliance Risk Specialist

SALARY: £114,810 - £135,070

LOCATION(S): Edinburgh, Bristol or Birmingham

HOURS: Full-time

WORKING PATTERN: Our work style is hybrid, which involves spending at least two days per week, or 40% of our time, at one of our office sites

About this opportunity

We’re on an exciting journey and there couldn’t be a better time to join us! We’ve put in place a fresh way we handle Non-Financial risk, empowering our people to take end-to-end accountability for being responsible for the risks that they face.

We’re looking for a leader in our Business and Commercial Banking – Business Products Risk Specialist team to lead and develop a Conduct & Compliance Risk centre of excellence, to support robust risk management in alignment with the Group’s Enterprise Risk Management Framework (ERMF). You’ll provide thought leadership, insight and oversight that supports the Business and Commercial Banking business. Lead the approach for implementing risk policies, appetite, and control objectives to enable the delivery of customer, regulatory, and business strategic outcomes. Not only will you bring significant compliance experience, but you'll need to be innovative and transformational who loves proactively working with business executives and wider Compliance experts to develop new opportunities to better meet customers’ needs!

Day to day you will:

• Leads Business and Commercial Banking Conduct & Compliance Risk, building positive relationships with external partners.

• Leads the team to deliver oversight and assess compliance with UK regulations that impact BCB & CIB with a specific focus on product regulations.

• Leads the creation of an oversight plan and delivery of opinions on core compliance and regulatory obligations to support the business.

• Works with Risk and Control owner teams to provide credible and trusted Conduct & Compliance risk expertise? and help deliver against aligned customer, business and strategic outcomes.

• Produces timely and accurate data, and documentation to support the monitoring of risk policies and appetite. Reports findings and deviations clearly and raises when appropriate.

• Delivers prescribed outcomes to support the management of effective, ongoing conduct and compliance data-led risk and control objectives to meet the needs or risk and control owners, control specialist teams, Audit and external regulators.

• Works with risk and control owner teams to investigate questions related to Conduct & Compliance Risk and raises as required to more senior colleagues.

• Oversights the management of actions on Risk events and breaches following RCSA. Identifies issues and makes authoritative technical and/or professional recommendations to improve the control environment

• Be bold and proactive in suggesting ideas to uplift the effectiveness and efficiency of the team. Support implementation of what is progressed

• Support embedding of Resetting Risk operating model and able to demonstrate proactive and consistent application of RAPID and growth mindset.

Why Lloyds Banking Group

We’re on an exciting journey and there couldn’t be a better time to join us. The investments we’re making in our people, data, and technology are leading to innovative projects, fresh possibilities, and countless new ways for our people to work, learn, and thrive.

What you’ll need:

• Ideally, a proven track record of working in a Compliance Advisory role in a Financial Institution managing a team.

• A deep expertise and a technical expert in relation to a Business and Commercial Banking Conduct & Compliance Risk Specialist function, with a specific focus on product regulations, including but not limited to powers under the Competition & Markets Authority (CMA), Consumer Credit Sourcebook (CONC), Consumer Duty Sourcebook, Finance & Leasing Association (FLA).

• Good knowledge of knowledge of commercial lending and working capital, Business loans, Commercial Mortgages, Asset and Invoice Finance and Trade Finance.

• A strong understanding of the latest Compliance frameworks and technology being used across financial and Non-Financial services

• Proficient in the knowledge of applicable laws, regulations, industry standards, and established technical conventions.

• Able to make good and timely decisions that keep the organisation moving forward, expertly balancing difficult trade-offs to understand and assimilate different sources of data and sophisticated information.

• Acted as a business partner, building partnerships and working collaboratively with others, with the ability to support leadership and risk owners make risk-based decisions consistent with risk appetite.

• Has a depth to expertly provide challenge and advice to the business and other key partners.

• Proven leadership skills in mentoring to enhance team capabilities aligned with Group Strategy and Purpose.

About working for us

Our focus is to ensure we're inclusive every day, building an organisation that reflects modern society and celebrates diversity in all its forms. We want our people to feel that they belong and can be their best, regardless of background, identity or culture. We were one of the first major organisations to set goals on diversity in senior roles, create a menopause health package, and a dedicated Working with Cancer initiative. And it’s why we especially welcome applications from under-represented groups. We’re disability confident. So if you’d like reasonable adjustments to be made to our recruitment processes, just let us know

We also offer a wide-ranging benefits package, which includes:

• A generous pension contribution of up to 15%

• An annual performance-related bonus

• Share schemes including free shares

• Benefits you can adapt to your lifestyle, such as discounted shopping

• 30 days’ holiday, with bank holidays on top

• A range of wellbeing initiatives and generous parental leave policies

If you’re excited by the thought of becoming part of our team, get in touch. We’d love to hear from you.

At Lloyds Banking Group, we're driven by a clear purpose; to help Britain prosper. Across the Group, our colleagues are focused on making a difference to customers, businesses and communities. With us you'll have a key role to play in shaping the financial services of the future, whilst the scale and reach of our Group means you'll have many opportunities to learn, grow and develop.

We keep your data safe. So, we'll only ever ask you to provide confidential or sensitive information once you have formally been invited along to an interview or accepted a verbal offer to join us which is when we run our background checks. We'll always explain what we need and why, with any request coming from a trusted Lloyds Banking Group person.

We're focused on creating a values-led culture and are committed to building a workforce which reflects the diversity of the customers and communities we serve. Together we’re building a truly inclusive workplace where all of our colleagues have the opportunity to make a real difference.