Manager, Digital & Distribution Compliance, Customer & Product Risk Specialist

Lloyds Banking Group; Cardiff; Hybrid; GBP 60,000 - 80,000; Full time

Job summary

A leading banking institution in Cardiff is seeking a Manager Digital & Distribution to drive compliance within their digitisation strategy. This role involves building relationships with key regulators and ensuring adherence to core regulatory requirements. The ideal candidate will have substantial experience in risk and compliance, particularly within the financial services sector, and a passion for innovation in compliance practices. Competitive salary and flexible working options available.

Benefits

Generous pension contribution up to 15%

Annual performance-related bonus

Share schemes including free shares

30 days' holiday plus bank holidays

Wellbeing initiatives and parental leave policies

Qualifications

• Experience in the financial services sector is essential.
• Knowledge of RegTech and technology-led solutions is beneficial.
• Ability to demonstrate timely decision-making.

Responsibilities

• Represent the Group's conduct and compliance risk management.
• Support risk measurement and reporting.
• Contribute to the interpretation of regulations.

Skills

Knowledge of digital and mobile customer journeys

Recent experience in risk or compliance

Financial services regulatory experience

Ability to influence

Good communication skills

Job description

End Date

Thursday 02 October 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

Overview

We’re looking for a Manager Digital & Distribution, supporting the head of function in creating a new function of dedicated compliance specialists that support the Group in adhering with all core regulatory requirements in relation to our digitisation strategy. Not only will you bring compliance experience, but we’re looking for someone innovative and transformational who loves proactively working with business executives to develop new opportunities to better meet customers needs.

What you’ll be doing

• Act as one of the Group’s specialist Conduct & Compliance Risk managers and represent the organisation, building strong relationships with external partners, in particular regulators and other governing bodies.
• Support the head of function in ensuring risks are measured, monitored, controlled, and reported on a timely basis and consistently across the Group, and provide independent challenge to risk decisions, as they relate to your specialism.
• Contribute to the interpretation of new and existing regulations accurately and adeptly, highlighting the direction of travel and anticipating the impact of the proposed changes across the whole Group.
• Support the definition and development of appropriate control objectives for Conduct & Compliance Risks. Ensure that the Group’s business processes, systems and activities are conducted in a controlled and compliant manner.
• Contribute to the identification of Key Risk Indicators and Key Control Indicators to track progress and measure the performance of controls, providing appropriate reporting and escalation to senior management and the Board.
• Provide support to risk and control owners to report incidents, exceptions, or non-compliance with control objectives. Take corrective action and implement changes when control objectives are not being met or when existing risks change and/or new risks emerge.

Why Lloyds Banking Group?

Join us and, as well as making a difference to customers, you’ll enjoy a fulfilling career where you’re free to be yourself. Great colleagues, transforming workspaces, hybrid working and a wide variety of career opportunities – you’ll find them all here.

What you’ll need

• Knowledge of digital and mobile customer journeys, psychology, and behavioural economics.
• Recent experience in risk or compliance in the financial services sector.
• Financial services regulatory experience.
• Able to provide challenge and advice to platforms e.g. Consumer Servicing and Colleague Channels Platforms.
• Knowledge of RegTech and has utilised technology and data led solutions to deliver enhanced consumer outcomes.
• Contribute to the development of group-level policy and setting risk-appetite.
• Evidence of demonstrating good and timely decision making that keeps the organisation moving forward and skilfully balances difficult trade-offs with the ability to understand business strategy and opportunity risks.

And any experience of these would be really useful

• Has examples to show how they have helped the business to understand its compliance obligations, including successful oversight and challenge to ensure adherence to Compliance Risk Appetite.
• Good communication skills and the ability to influence.
• Inclusive working style that ensures everyone can be themselves in a safe environment.
• Record of delivering results and an awareness of the importance of documentary evidence for key decisions.

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

Want to do amazing work, that’s interesting and makes a difference to millions of people?Join our journey

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.