Risk And Compliance jobs in United Kingdom

Hello, we’re Starling. We built a new kind of bank because we knew technology had the power to help people save, spend and manage their money in a new and transformative way. We’re a fully licensed UK bank with the culture and spirit of a fast-moving, disruptive tech company. We’re a bank, but better: fairer, easier to use and designed to demystify money for everyone. We employ more than 3,000 people across our London, Southampton, Cardiff and Manchester offices.

We're looking for a Lending Specialist to join our Asset Management function on a 12-month fixed term contract.

Key Responsibilities

• Support the assessment of new portfolio / forward flow transactions through an assessment of policies and procedures
• Undertake detailed due diligence on new portfolios, focussing on the assessment of conduct risk (including compliance with Consumer Duty), operational and compliance risk from a 1LOD perspective
• Conduct impact assessments, regulatory mapping, gap analyses, and prepare MI/reporting for senior teams
• Oversight of existing portfolios including performance, issues under management and key risks
• Provide product and service specific compliance guidance to the Asset Management team
• Lead the delivery of the Asset Management thematic review plan to mitigate risks in the Asset Management RCSA framework
• Oversee open assurance actions through to closure
• Support the delivery of half yearly SMF attestation

• Knowledge of relevant regulation and the FCA handbook including MCOB, CONC, CCA and Consumer Duty with an ability to interpret and apply to policies and procedures

• A good understanding of what good customer outcomes look like across various scenarios, including affordability & creditworthiness, arrears handling, complaints and vulnerable customers
• Experience of reviewing policies and procedures for completeness and compliance with relevant regulation
• Experience of working with outsourced service providers is desirable
• Proven ability to communicate with colleagues across different levels including senior managers, both verbally and in writing
• Ability to see the bigger picture, applying, judgement on the impact of what we see in our due diligence on the bank and on our customers
• Comfortable providing constructive challenge to third parties who may be senior managers
• Understand the role of regulation, conduct risk and reputational risk, within financial services
• Excellent written and verbal communication skills
• Ability to balance workload and schedules with multiple priorities

• 25 days holiday (plus take your public holiday allowance whenever works best for you)
• An extra day’s holiday for your birthday
• Annual leave is increased with length of service, and you can choose to buy or sell up to five extra days off
• 16 hours paid volunteering time a year
• Salary sacrifice, company enhanced pension scheme
• Life insurance at 4x your salary
• Private Medical Insurance with VitalityHealth including mental health support and cancer care. Partner benefits include discounts with Waitrose, Mr&Mrs Smith and Peloton
• Generous family-friendly policies
• Perkbox membership giving access to retail discounts, a wellness platform for physical and mental health, and weekly free and boosted perks
• Access to initiatives like Cycle to Work and Salary Sacrificed Gym partnerships

About Us

You may be put off applying for a role because you don't tick every box. Forget that! While we can’t accommodate every flexible working request, we're always open to discussion. So, if you're excited about working with us, but aren’t sure if you're 100% there yet, get in touch anyway.

We’re on a mission to radically reshape banking – and that starts with our brilliant team. Whatever came before, we’re proud to bring together people of all backgrounds and experiences who love working together to solve problems.

Starling Bank is an equal opportunity employer, and we’re proud of our ongoing efforts to foster diversity & inclusion in the workplace. Individuals seeking employment at Starling Bank are considered without regard to race, religion, national origin, age, sex, gender, gender identity, gender expression, sexual orientation, marital status, medical condition, ancestry, physical or mental disability, military or veteran status, or any other characteristic protected by applicable law.

By submitting your application, you agree that Starling Bank may collect your personal data for recruiting and related purposes. Our Privacy Notice explains what personal information we may process, where we may process your personal information, its purposes for processing your personal information, and the rights you can exercise over our use of your personal information.