Regulatory Consultant

Oxbow Resourcing Limited; England; Hybrid; GBP 48,000 - 80,000; Full time

Benefits offered by this job

Illness and injury insurance

3% employer pension contribution

Remote working days (up to 2 per week)

Job summary

Oxbow Resourcing Limited is seeking an experienced Regulatory Consultant for a broad, client-facing role in a specialist Financial Services consultancy supporting FCA solo-regulated firms.

The role combines regulatory assurance, file review, advisory work and practical problem-solving across wealth, insurance, mortgages, consumer lending and payments. Significant scope for career progression.

Qualifications

• A relevant QCF Level 4 qualification or higher and/or a recognised specialist compliance qualification.
• At least five years' experience within UK financial services regulation.
• Broad knowledge of the FCA Handbook and Conduct of Business requirements.
• Strong knowledge of Consumer Duty, SM&CR, Conduct Rules, complaints, vulnerable customers and product governance.
• Experience in regulatory consulting, compliance, risk, internal audit or assurance.
• Experience undertaking detailed file reviews, audits or regulatory assurance work.
• Strong reporting, facilitation and presentation skills.
• Ability to work with boards and senior teams; manage multiple client workstreams.
• Commercial awareness and ability to identify additional client opportunities.
• Willingness to travel within the UK.

Responsibilities

• Review client files, regulatory frameworks, controls and customer outcomes.
• Deliver regulatory audits, gap analyses and assurance reviews.
• Support Consumer Duty implementation, monitoring and assurance.
• Review Conduct Risk frameworks, governance and culture.
• Lead SM&CR and Conduct Rules reviews.
• Oversee remediation and post-implementation reviews.
• Interpret FCA publications and Handbook requirements.
• Assess regulatory expectations across business models.
• Produce reports, board papers, findings and remediation plans.
• Present findings and run workshops with boards and senior stakeholders.
• Manage multiple client assignments to deadlines.
• Coach and review work of internal and external consultants.
• Build trusted client relationships and identify opportunities.
• Contribute to proposals and wider business development.
• Maintain minimum client chargeability of 60%.
• Contribute to ISO 9001, ISO 27001 and ISO 42001 frameworks.

Skills

Regulatory consulting

UK financial services regulation

FCA Handbook knowledge

Consumer Duty & SM&CR

Stakeholder management

Education

QCF Level 4 or higher qualification

Relevant compliance qualification

Job description

Working pattern: Hybrid - 3 days in the office

Employment type: Permanent, full-time

Salary: Up to £80,000, depending on experience

ABOUT THE ROLE

Oxbow Resourcing is exclusively recruiting an experienced Regulatory Consultant for our client who is a specialist Financial Services consultancy supporting FCA solo-regulated firms.

This is a broad, client-facing position combining regulatory assurance, detailed file review, advisory work and practical problem-solving. You will work with clients across wealth and financial advice, insurance, mortgages, consumer lending and payments.

The successful candidate will be able to identify regulatory weaknesses, understand their wider implications and recommend proportionate, commercially practical solutions.

There is significant scope for significant career progression for the right person.

KEY RESPONSIBILITIES

• Review client files, regulatory frameworks, controls and customer outcomes
• Deliver regulatory audits, gap analyses and assurance reviews
• Support Consumer Duty implementation, monitoring and assurance
• Review Conduct Risk frameworks, governance arrangements and organisational culture
• Undertake SM&CR and Conduct Rules effectiveness reviews
• Lead thematic remediation and post-implementation reviews
• Interpret FCA publications, Handbook requirements and regulatory developments
• Assess how regulatory expectations apply across different business models
• Produce clear reports, board papers, findings, and remediation plans
• Present findings and facilitate workshops with boards and senior stakeholders
• Manage multiple client assignments and deliver work to agreed deadlines
• Manage, coach and review the work of internal and external consultants
• Build trusted client relationships and identify follow-on opportunities
• Contribute to proposals and wider business-development activity
• Maintain a minimum client chargeability level of 60%
• Contribute to the organisation's ISO 9001, ISO 27001 and ISO 42001 frameworks

EXPERIENCE AND QUALIFICATIONS

• A relevant QCF Level 4 qualification or higher and/or a recognised specialist compliance qualification
• At least five years' experience within UK financial services regulation
• Broad knowledge of the FCA Handbook and relevant Conduct of Business requirements
• Strong knowledge of Consumer Duty, SM&CR, Conduct Rules, complaints, vulnerable customers and product governance
• Experience gained within regulatory consulting, compliance, risk, internal audit or assurance
• Experience undertaking detailed file reviews, audits or regulatory assurance work
• Strong written reporting, facilitation and presentation skills
• The credibility to work with boards, executive teams, Heads of Compliance and Heads of Risk
• The ability to manage several client workstreams and deliver under pressure
• Strong analytical skills and attention to detail
• A collaborative approach to managing, coaching and reviewing others
• Commercial awareness and the confidence to identify further client opportunities
• Willingness to travel within the UK when required

THE PACKAGE

• Salary up to £80,000, depending on experience
• Up to two remote-working days per week, subject to requirements and probation sign-off
• 3% employer pension contribution, increasing to 5% after two years
• Illness and injury insurance