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Quality Monitoring and Risk Officer

Kind Consultancy is working with a growing Challenger Bank which is currently seeking a Quality Monitoring and Risk Officer to join them in a full-time, permanent position with a hybrid work model based out of their West Midlands offices, paying up to £29,000.

The Quality Monitoring and Risk Officer will focus on conducting regular Quality and Compliance assessments for staff within the bank’s Motor Finance division, with other key responsibilities including:

  • Maintaining appropriate records of Motor Finance staff competency
  • Efficiently compiling and recording audit results and analysis to facilitate the production of monthly management information
  • Delivering constructive feedback on quality monitoring to promote a standard of excellence in all aspects of Motor Finance activity
  • Highlighting any risks identified while carrying out reviews immediately to line manager
  • Identifying and sharing best practice across Motor Finance to assist with the development of processes and procedures
  • Assisting the Motor Finance management team during Compliance Monitoring and Internal Audit reviews
  • Assisting with the development and delivery of robust quality monitoring processes where the customer journey is at the heart of everything we do
  • Preparation of Motor Finance monthly submissions to relevant committees, Annual Product Reviews, and other relevant reports and assessments for presentation both internally and externally
  • Supporting Motor Finance Operational Risk management, maintaining relationships with the Operational Risk team.
  • Maintaining of Motor Finance Business Continuity Plan
  • Acting as a point of liaison with the Bank’s data Protection Office for GDPR issues

Our ideal candidate for the Quality Monitoring and Risk Officer opportunity:

  • Has previous experience of Quality Assurance work within Motor Finance
  • Has excellent written and verbal communication skills
  • Has the confidence and credibility to challenge business policies, processes and procedures in a constructive manner
  • Has a track record in delivering outstanding customer service
  • Is capable of organising and prioritising workloads, ensuring deadlines are always met
  • Has a proactive approach and is self-motivated

If you’re interested in the Quality Monitoring and Risk Officer role, you have relevant skills, knowledge and experience, and you live in or can commute to the West Midlands.

Conduct Assurance Manager

Kind Consultancy is working with a successful Challenger Bank which is currently seeking a Conduct Assurance Manager to join them in a full-time, permanent role with a hybrid work model based in their West Midlands office, paying up to £51,000.

The Conduct Assurance Manager is a key role within the Operational Management team, with key responsibilities including:

  • Acting as a key business partner to support and challenge Operational Business Managers’ management of conduct risk across their areas.
  • Managing and supporting team leaders to promote a “customer first” culture and deliver our outcomes testing strategy.
  • Developing KPIs, SLAs, and metrics dashboards for use in assessing customer service and experience.
  • Using detailed MI to drive and develop internal control of regulatory and conduct risk, providing insight and support in addressing operational/conduct incidents and breaches.
  • Supporting key governance committees, support business change projects and lead working groups as required.

Our ideal candidate for the Conduct Assurance Manager opportunity:

  • The candidate should have experience in operational management and customer oversight strategies
  • Have a good working knowledge of FCA regulations in financial services and expertise in identifying and managing conduct risk
  • Ability to create MI and manipulate data for senior stakeholders
  • Be self-confident and highly organized with strong interpersonal and leadership skills
  • Proven track record in pragmatic solutions delivery and relationship management and able to apply professional judgment to identify, diagnose, and resolve regulatory and conduct-focused changes

If you’re interested in the Conduct Assurance Manager position, you have the necessary skills, knowledge and experience and you live in or can commute to the West Midlands, please apply with an up-to-date CV today.

Senior Underwriter

Kind Consultancy is working with a fast-growing alternative Financial Services business which is currently seeking a Senior Underwriter to join them in a permanent, full-time role with a hybrid work model based out of their Cardiff office, with a competitive annual salary.

Reporting to the Head of Underwriting, the Senior Underwriter will play a critical role in evaluating and assessing short-term mortgage applications and determining level of risk and adherence to credit policy, with key responsibilities including:

  • Reviewing and assessing short-term mortgage applications focussing on specialist lending, bridging, development and commercial loans.
  • Analysing data and other key financial indicators to assess level of risk involved.
  • Applying established underwriting guidelines, policies and procedures to evaluate applications and determine appropriate loan structures.
  • Identifying potential risks and challenges associated with loan applications, proposing appropriate risk mitigation strategies to minimise exposure & protect the organisations interests.
  • Performing comprehensive financial analysis to evaluate the financial health and stability of the individual, developer or businesses applying for short-term mortgage.
  • Ensuring all loan files and documentation are accurate and compliant with regulatory requirements.
  • Collaborating with cross functional teams to facilitate effective and efficient decision-making processes.
  • Building and maintaining relationships with internal stakeholders.
  • Staying updated on market trends, industry developments, and regulatory changes to inform underwriting decisions and mitigate potential risks.

Our ideal candidate for the Senior Underwriter opportunity:

  • Has good regulatory knowledge and a strong understanding of the compliance requirements related to Banking and underwriting eg: KYC, AML.
  • Demonstrates excellent attention to detail and accuracy in assessing loan applications and financial statements.
  • Has a proven ability to identify and assess risks associated with loan applications and propose effective risk mitigation strategies.
  • Has 5+ years of experience in Commercial/ Specialist Mortgage Underwriting, to include substantial exposure to bridging, Buy-to-Let and/or development loans.
  • Displays excellent verbal and written communication skills, with the ability to effectively communicate complex financial concepts and underwriting decisions to internal and external stakeholders.
  • Has experience of working in a regulated bank with a clear understanding of regulatory requirements including Consumer Duty.
  • Demonstrates strong analytical skills, risk evaluation and proficiency in financial modelling – strong Excel skills would be highly desirable.

If you’re interested in the Senior Underwriter opportunity, you have the necessary skills, knowledge and experience, and you live in or can commute to Cardiff, please apply with an updated CV today.

Regulatory Reporting Accountant

Kind Consultancy is working with a fast-growing Challenger Bank, which is currently seeking a Regulatory Reporting Accountant to join them in a full-time, permanent role with a hybrid work model requiring 2 days per week in their West Midlands offices, and paying up to £40,000.

The Regulatory Reporting Accountant will focus on delivering the regulatory reporting Policy Standard, including associated controls across the bank, with key responsibilities including:

  • Support the development and maintenance of the regulatory reporting framework for the Bank and wider Group, ensuring complete, accurate and timely submission of all regulatory returns.
  • Monitor the regulatory reporting requirement horizon to ensure that the suite of reporting is current and supports that development.
  • Provide support to the business in identifying the impact of new regulation on current and proposed activity
  • Report to relevant stakeholders on the performance of the regulatory reporting Policy Standard
  • Work collaboratively with Group stakeholders to ensure requirements and responsibilities are clearly understood
  • Maintain the procedures, interpretation documents and policies that support the regulatory reporting Policy Standard
  • Work with second and third line to ensure that the reporting framework is robust.
  • You will be required to develop and support the regulatory, treasury and financial reporting frameworks in accordance with emerging good practice and regulatory expectations.

Our ideal candidate for the Regulatory Reporting Accountant opportunity:

  • Must have previous Financial Services experience within a Regulatory Reporting team
  • Can effectively prioritise tasks to ensure delivery meets critical deadlines
  • Is confident and able to analyse and present complex information with internal and external customers
  • Is able to assimilate and utilise new information, processes and training
  • Possesses effective communication skills for written and verbal reporting, with the ability to present to group meetings
  • Is committed to delivering and maintaining high standards of customer satisfaction
  • Embrace change and influence and encourage others

If you’re interested in the Regulatory Reporting Accountant role, you’re based in or can commute to the West Midlands, and you have the necessary skills, knowledge and experience, please apply with an updated CV today.

Legal Counsel

Kind Consultancy is working with a well-established challenger bank which is currently seeking Legal Counsel to join them in a permanent, full-time role paying up to £75,000 with a hybrid work model requiring 2 days per week in their West Midlands offices.

The Legal Counsel position will focus on providing pragmatic and timely legal advice to the bank, supporting their legal and operational requirements, with key responsibilities including:

  • Drafting, reviewing, negotiating and advising on third party and customer agreements, including technology agreements, outsourcing, software licences, general terms and conditions etc.
  • Reviewing existing material contracts and other significant contracts affecting the business to confirm compliance with operational resilience requirements and requirements of managing third party outsourcing in a regulated context.
  • Engaging with stakeholders and consultants (Contract Owners), to draft and negotiate, direct or via the Contract Owners a variety of commercial, technology and software agreements pivotal to the safe and resilient operation of the Bank, improving the contractual production and embedding a culture of regulatory compliance underpinning commercially viable agreements
  • Advising and supporting internal stakeholders on BAU matters, providing support to General Counsel and representing the bank’s legal position on projects as and when required
  • Developing, implementing and updating legal policies, procedures and standard templates.
  • Supporting with data protection and privacy matters – including maintaining the Data Protection Policy, drafting privacy notices, managing data subject access requests, advising on and supporting responses to data breaches, supporting privacy impact assessments, and ensuring appropriate contractual protection in supplier agreements.
  • Instructing and managing effectively matters outsourced to external law firms, including budgetary control where necessary.
  • Supporting the MLRO and Deputy MLRO including where necessary assisting in the investigation and reporting of suspected money laundering or terrorist financing to the National Crime Agency.
  • Advising on and managing legal risk, including emerging risks and carrying out risk assessments and reviews of performance against assigned policies.
  • Attending committee and project meetings to give legal advice and support business initiatives.
  • Supporting the Chief Risk Officer and the Risk team with effective use of the firm’s risk management system.
  • Advising colleagues on complex or unusual complaints
  • Working with Customer and Product teams to assist and advise on the product design process as well as providing review and guidance towards the production of customer facing documents and communications
  • Maintaining up to date knowledge of any changes to law, regulation and industry codes of practice; reporting to senior management in a timely and proportionate manner to enable compliance.

Our ideal candidate for the Legal Counsel opportunity:

  • Must be a qualified Solicitor, Barrister or F.ILEX (Fellow of the Chartered Institute of Legal Executives) with at least 3 years post qualification experience
  • Has a current practising certificate without any restrictions imposed.
  • Possesses a strong understanding of PRA and FCA rules and the regulatory regime
  • Has good working knowledge of legal provisions relating to the banking sector
  • Has past experience in contract negotiation and drafting
  • Is able to recognise and appropriately deal with legal issues in a pragmatic manner
  • Demonstrates the ability to collaborate with others, and to think outside the box
  • Is skilled in legal research, critical thinking, and drafting
  • Has excellent communication skills, including the ability to persuade; especially upward.

If you’re interested in the Legal Counsel position, have the necessary skills, experience and qualification and live in or can commute to the West Midlands, please apply with an updated CV today.

Operational Risk & Governance Manager

Kind Consultancy is working with an already successful and fast-growing Fintech consumer credit firm which is currently seeking an Operational Risk & Governance Manager to join them in a full-time, permanent position paying circa £70,000 with a hybrid work model requiring 3 in-office days per week in London.

The Operational Risk & Governance Manager will develop and maintain a governance framework that ensures regulatory compliance and aligns with the firm’s strategic goals, with key responsibilities including:

  • Developing, implementing, and maintaining operational governance frameworks, policies, and procedures for the operations department.
  • Conducting risk assessments, identifying operational risks, and developing and implementing risk management strategies to mitigate those risks.
  • Monitoring compliance with lending regulations, internal policies, and procedures, and ensuring adherence to industry best practices.
  • Developing metrics and performance monitoring on operational risk performance.
  • Establishing and maintaining effective internal control systems to safeguard company assets, prevent fraud, and ensure data integrity.
  • Collaborating with cross-functional teams to streamline operational processes, enhance efficiency, and optimise the customer experience.
  • Leading and managing audits and reviews to assess operational compliance and identify areas for improvement.
  • Providing guidance and support to operational teams on governance matters, compliance requirements, and risk management practices.
  • Staying updated on industry trends, regulatory changes, and emerging risks in lending operations, and adapting governance strategies accordingly.
  • Fostering a culture of compliance, ethics, and operational excellence through training and education programs.
  • Serving as a liaison with regulatory bodies, auditors, and other external stakeholders to address operational governance matters and ensure regulatory compliance.

Our ideal candidate for the Operational Risk & Governance Manager opportunity:

  • Has a strong background in identifying, assessing, and managing risks within a financial services or fintech environment.
  • Has substantial experience in ensuring that operations comply with relevant regulations, standards, and internal policies.
  • Is familiar with internal and external audit processes, including designing and implementing control frameworks.
  • Has experience in developing and implementing risk and control frameworks, ideally with specific experience of tailoring these to a fintech environment.
  • Is skilled in drafting policies and procedures that govern operational activities.
  • Is experienced in designing and structuring governance models that support business objectives while ensuring compliance and risk mitigation.
  • Has experience with GRC tools and technologies that support risk and control management, preferably with specific experience in a fintech setting.
  • Is able to leverage data to monitor risk, ensure compliance, and optimise governance processes.
  • Demonstrates a deep knowledge of financial regulations (e.g., GDPR, AML, KYC, etc.) that impact fintech operations.
  • Is experienced in preparing and submitting regulatory reports, ensuring accuracy and timeliness.

If you’re interested in the Operational Risk & Governance Manager role, you have the skills, knowledge and experience we’re looking for and you live in or can commute to London, please apply with an updated CV today.

Head of Mortgage Servicing

Kind Consultancy is working with a well established Specialist Buy-to-Let lender which is currently seeking a Head of Mortgage Servicing to join them in a permanent, full-time role paying up to £75,000 with a hybrid work model requiring 4 in-office days per week in Kent.

The Head of Mortgage Servicing will oversee the daily operations of the team, ensuring compliance with industry standards and company policies while providing exceptional support to our customers, with key responsibilities including:

  • Leading and supervising a small team of customer servicing specialists, providing guidance and support to achieve team objectives.
  • Developing and maintaining effective relationships with internal stakeholders, including senior management and colleagues.
  • Collaborating with internal teams, including underwriting risk, compliance and finance, to address customer needs effectively.
  • Developing and maintaining effective and collaborative relationships with external parties such as brokers, valuers, third party servicing provider and solicitors.
  • Staying updated on industry best practices, regulatory changes, and market trends.
  • Identifying opportunities to improve processes, implementing changes to streamline workflows, and monitoring the effectiveness of new processes.
  • Developing and managing the team’s performance metrics and KPIs, ensuring targets are met or exceeded.
  • Attending monthly governance meetings with the business’s funders to discuss Servicing updates.
  • Assisting customers with inquiries about mortgage payments, account balances, payment history, and loan modifications.
  • Updating and reviewing internal processing guides and procedures.
  • Completing regular quality assurance checks on teams tasks.
  • Reviewing and actioning internal referrals and complex enquires from Solicitors and borrowers.
  • Assisting with monthly finance reporting – showing an understanding of how transactions impact various stakeholders (client, servicer and mortgage funder).
  • Liaising with the Finance and Data teams on non-standard transactions.

Our ideal candidate for the Head of Mortgage Servicing opportunity:

  • Has 3+ years of previous experience in loan servicing
  • Possesses in-depth knowledge of mortgage servicing processes and arrears management
  • Has strong leadership and team management skills, with the ability to coach, motivate, and develop team members
  • Demonstrates excellent communication abilities

If you’re interested in the Head of Mortgage Servicing role, you have the skills, experience and knowledge we’re looking for, and are based in or can commute to Kent, please apply with an updated CV today.

Buy-to-Let Underwriter

Kind Consultancy is working with a growing alternative Financial Services business which is currently seeking a Buy to Let Underwriter to join them in a full time, permanent position with a hybrid work model based out of their offices in the Birmingham area, paying up to £60,000.

The Buy-to-Let Underwriter will assess new BTL lending applications for risk and quality, whilst adhering to the firm’s policies and risk appetite, with key responsibilities including:

  • Analysing loan applications to support intermediaries and their customers, reviewing documentation for completeness and adherence to credit policy.
  • Ensuring compliance with legislation and regulatory requirements.
  • Making timely decisions, asking for further information where needed.
  • Acting as a primary point of contact for queries in relation to underwriting decisions, both with internal and external stakeholders.
  • Confidently providing feedback on the quality and wholeness of applications.
  • Consistently working in an efficient and productive manner, being curious and raising opportunities for process improvements, with perspective from a colleague and an intermediary viewpoint.
  • Producing clear and concise risk analysis and developing and maintaining underwriting procedures.
  • Providing an excellent standard of customer service, contributing effectively to Service Level Agreements (SLAs) and Objectives and Key Results (OKRs).

Our ideal candidate for the Buy-to-Let Underwriter opportunity:

  • Has 3 years of experience underwriting simple and complex BTL products, with a proven critical analysis of information pertaining to the financial standing of prospective borrowers.
  • Currently holds a Delegated Lending Authority (DLA) of at least £500,000.
  • Is able to underwrite manually across multiple BTL types i.e. portfolio landlords, HMO and MUB properties, limited company and LLP entities.
  • Has a strong understanding of regulatory requirements, including the Prudential Regulatory Authority (PRA) and the FCA Handbook.
  • Displays consistently high attention to detail, and sound and reasoned judgement, based on an independent and thorough analysis of facts and relevant factors, including internal policies and regulations.
  • Works well in a team environment and builds strong working relationships with peers to contribute to team goals.
  • Is an effective communicator and talented collaborator, who can bring colleagues together to reach the best way forward for the customer and the business.
  • Demonstrates strong numerical and time management skills
  • Is a confident user of Excel with an understanding of intermediate calculations.

If you’re interested in the Buy-to-Let Underwriter opportunity, you have the skills, knowledge and experience we’re looking for, and you’re based in or can commute to the West Midlands, please apply with an updated CV today.

Compliance Manager

Kind Consultancy is working with a well-established and successful alternative Financial Services business which is now seeking a Compliance Manager to join their Foreign Exchange division, working with their Asset Finance division. This is a full-time, permanent role, paying up to £65,000 plus a Car Allowance and up to 20% annual bonus. The position is predominantly remote, requiring travel to the organisation’s offices once per week – primarily the Leeds and Watford offices where their Compliance team are based.

The Compliance Manager will support and provide advice to senior management and the business on compliance, risk issues and regulatory trends (including horizon planning) for the FX business, with key responsibilities including:

  • Ensuring the FX business is fully compliant with PSR 2017 regulations and supporting Asset Finance in their compliance with the SMR.
  • Holding overall responsible for all regulatory aspects associated with BFX obligations
  • Supporting the UK Head of Financial Crime & Compliance with strategy for FX & Asset Finance.
  • Supporting FX & Asset Finance divisions in the implantation and maintenance of policies and procedures.
  • Supporting Compliance Monitoring, including lessons learnt exercises for all of the group’s businesses.
  • Supporting the business through pro-active regulatory compliance oversight, ensuring it meets regulatory obligations
  • Preparing and reporting all submissions to the FCA in line with licencing obligations
  • Supporting Foreign Exchange & Asset Finance regulatory obligations (anti-money laundering, sanctions and other financial crime matters) including the EWFCRA.
  • Supporting the Head of Financial Crime & Compliance in establishing the Compliance Framework for FX & Asset Finance, including composition of Incident Policies and Incident Register.
  • Providing expertise to the Operations team on the selection, requirements and testing of Financial Crime Transaction Monitoring.
  • Reporting on compliance metrics, business risks and regulatory risks
  • Monitoring Fraud Risk, including documenting and setting alert rules and reporting of key metrics and other relevant data
  • Acting as a central point of contact for Compliance issues, ensuring problems are dealt with appropriately and rectified within agreed SLA’s
  • Acting as the regulatory liaison with the FCA and HMRC

Our ideal candidate for the Compliance Manager:

  • Has a deep understanding of the industry risks and management of such risks for Foreign Exchange.
  • Is able to build professional and expert relationships with internal departments and external stakeholders, e.g. regulators, trade bodies, banks and partner organisations.
  • Has exceptional stakeholder management and communication skills
  • Has a track record of protecting businesses from exposure to regulatory breaches
  • Is highly numerate with strong Financial understanding
  • Is a problem-solver, able to make objective risk –based decisions balancing the needs of the business with relevant policies and procedures
  • Demonstrates an enquiring and analytical mindset, with the ability to explain the rationale behind decisions

If you have the necessary skills, knowledge and experience and you’re interested in the Compliance Manager opportunity, please apply with an updated CV today.

Customer Outcome Testing Analyst Lead

Kind Consultancy is working with a well-established challenger bank which is currently seeking a Customer Outcome Testing Analyst lead to join their Nottinghamshire offices in a permanent, full-time position paying £32,000 to £37,000, with a hybrid work model.

Reporting to the Customer Outcomes Manager, the Customer Outcome Testing Analyst Lead will, conduct outcome-based testing and share associated MI and controls findings with the Bank leadership. Key responsibilities will include:

  • Conducting end-to-end reviews and assess the overall outcome of the customer journey.
  • Identifying themes and trends by conducting root cause analysis for both good and poor outcomes.
  • Recommending subsequent actions for internal progression where applicable to the bank’s service offering or where the cause of a poor outcome is due to retailer or supplier defined elements of the service such as customer communication or website content
  • Recording and sharing MI, findings, and actions.
  • Supporting the production of governance packs and attending all relevant forums and committees to discuss holistic findings, themes, and suggested actions needed to improve on customer outcomes.
  • Ensuring Risk Events are reported as soon as identified and tracked to conclusion.
  • Contributing to the Customer Outcome Performance Dashboard that monitors key measures/KRI’s to evidence that good customer outcomes are being delivered.
  • Being a key stakeholder in the implementation and embedding of Consumer Duty regulations from a 1st line perspective
  • Contributing to the Conduct Risk Dashboard with appropriate KRI measures to assess exposure to conduct risk and compliance to regulations.
  • Working closely with the Customer Outcomes Manager in delivering against the regulatory requirements applicable to the bank to ensure that all changes are effectively implemented.
  • With Consumer Duty in mind, conducting Outcome Based Testing activity in line with the OBT plan.
  • Ensuring all customer related functions and processes are performed in line with the approved operating procedures as well as assessing that customer expectations are met, and good outcomes are achieved.
  • Managing OBT activity within OBT plan timescales and deliver KPI outputs
  • Establishing the root cause of failed OBT outputs to help minimise any re-occurrences and proactively recommend actions to drive service and product related improvements.
  • Conducting monthly progress meetings with direct reports, supporting them to achieve their KPIs.

Our ideal candidate for the Customer Outcoming Testing Analyst Lead opportunity:

  • Is a subject matter expert on regulatory compliance in delivering good customer outcomes within Consumer Finance
  • Has experience working in a Consumer Outcome Testing role within Financial Services.
  • Has knowledge and experience of the law and regulation of Consumer Lending and FCA policy and regulation of Retail Financial Services and products
  • Has a track record of developing and delivering processes in a Consumer Finance environment
  • Displays excellent written and verbal communication skills with the ability to provide structured and strategic legal advice to key stakeholders and translate issues for a variety of audiences
  • Has experience of working closely with operational teams, giving one to one pragmatic advice and guidance in a clear and understandable way.
  • Has experience of working with third parties and external stakeholders and of supporting business areas, providing challenge and guidance
  • Has very good knowledge of Outcome Based Testing and Complaint Handling policies and processes
  • Has a good understanding of FCA regulations and handbooks and Financial Services compliance generally
  • Demonstrates a good understanding of regulations in particular DISP, GDPR and Consumer Duty and of what good customer outcomes look like.
  • Has a sound understanding of legal and regulatory requirements impacting Retail/ Consumer Finance lending

If you’re interested in the Customer Outcome Testing Analyst Lead opportunity, you’re based in or can commute to Nottinghamshire and you have the skills, experience and knowledge we’re looking for, please apply with an updated CV today.

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