Line 1 Risk & Compliance Manager

C200 Heartland Bank Limited; Auckland; On-site; NZD 120,000 - 180,000; Full time

Job summary

Heartland Bank Limited is seeking an experienced Retail & Reverse Mortgage Risk and Compliance Manager to drive risk modernization in Auckland. You will partner with business leaders to embed robust risk and compliance practices, responding to regulatory change and managing incidents to deliver sustainable outcomes for customers and the business.

You will collaborate with Line 1 Risk Transformation and stakeholders across Retail, Reverse Mortgage, Commercial and Auto divisions, Legal, DigiTech,

Qualifications

• Experience in Operational Risk or Compliance within Banking or Financial Services.
• Knowledge of risk assessments, control testing and incident management.
• Ability to influence change through strong stakeholder relationships.

Responsibilities

• Lead practical risk and control assessments.
• Test control design and effectiveness.
• Support business through product, process, system and regulatory change.
• Translate regulatory obligations into processes and controls.
• Manage risk and compliance incidents and issues with root-cause analysis.
• Monitor risk indicators and identify trends.
• Support governance reporting and assurance activities.
• Strengthen business continuity and operational resilience.

Skills

Operational Risk

Compliance

Regulatory Change

Control Testing

Incident Management

Stakeholder Management

Risk Assessments

Business Continuity

Job description

Job Summary

Kia ora, at Heartland we’re looking for an experienced Retail & Reverse Mortgage Risk and Compliance Manager to join our Line 1 Risk Transformation team in Auckland. This is not a role where risk management happens from the sidelines. You’ll work directly with business leaders and teams to understand their risks, strengthen their controls and embed effective risk and compliance practices into everyday decisions and operations. You’ll have the opportunity to influence how risk is managed, helping the business respond to regulatory change, manage incidents and issues effectively and deliver sustainable outcomes for our business and customers. You’ll join a collaborative Line 1 Risk transformation team and work with stakeholders across our Retail and Reverse Mortgage business, wider Commercial and Auto businesses, Legal, DigiTech, Enterprise Risk and Internal Audit. This role reports to the Head of Risk Transformation and has no direct reports.

Responsibilities

• Lead practical and meaningful risk and control assessments.


• Test whether important controls are appropriately designed and working effectively.


• Support the business through product, process, system and regulatory change.


• Help translate regulatory obligations into clear processes and controls.


• Manage risk and compliance incidents and issues through investigation, root-cause analysis and remediation.


• Monitor risk indicators and identify developing trends.


• Support governance reporting, management attestations and assurance activity.


• Strengthen business continuity planning and operational resilience.


• Build risk capability through targeted guidance, training and constructive challenge.

Qualifications

You’ll bring experience in Operational Risk or Compliance within Banking or Financial Services, together with practical knowledge of risk assessments, control testing and incident management. Just as importantly, you’ll know how to build trusted relationships, ask the right questions and influence positive change. You’ll be comfortable moving between detailed analysis and strategic conversations, with the judgement to provide constructive challenge while remaining focused on workable business solutions. Bring your Risk expertise, commercial judgement and commitment to doing the right thing, and help us build stronger and more sustainable risk management practices across Heartland.

About Heartland

Heartland is an NZX/ASX-listed financial services group with big growth plans. Heartland owns both Heartland Bank in New Zealand and Heartland Bank in Australia. We provide award-winning savings and finance products to a diverse range of customers including business owners, farmers and retirees. Heartland's strategy is to digitalise everything we do, enabling us to provide customers with what they need in a scalable way. We can then pass those benefits onto the customer through faster service and better rates. Can you see yourself here? We're innovative and always evolving. We work together as one team and have big ambition. We're committed to creating a culture of inclusivity that celebrates our diverse backgrounds and supports the wellbeing of our people. We offer real opportunities for learning and career development. You can also drive change through our internal groups (including Manawa Whenua - our Māori group, the Rainbow Committee, Diversity & Inclusion Committee and our Green Team).

Diversity & Inclusion

At Heartland, we're proud to celebrate the many characteristics that make each of us different. We are committed to improving the inclusiveness of our workplace, enabling our people to be authentic and helping us better understand and respond to our customers. We're a Living Wage Employer, a Hearing Accredited Workplace, and have the Rainbow Tick. Heartland is an equal opportunity employer. We strongly encourage everyone to apply and we welcome everyone to the team. Please let us know if you need any adjustments throughout the application or interview process including a sign language interpreter or speech-to-text reporter.

Location

Auckland, New Zealand

Please note you must be eligible to work in New Zealand.

Across the Heartland group, we’re looking for people who will embrace the opportunities we provide to learn, contribute and make a difference. You’ll find meaningful work and an environment that is fast-paced, rewarding and supportive. The Heartland group is a digital financial services group of companies, which includes Heartland Bank in New Zealand and Heartland Bank in Australia (which includes our StockCo team).