Retail Compliance Adviser (Lending) (10804)

The post-holder is the principal compliance adviser to the lending business in the Private Client segment. The role is within a team comprising colleagues with specialisms in other areas of the Bank's products and services (e.g. deposit accounts and payments) and regulatory principles (e.g. approach to vulnerability).

The post-holder will (working together with colleagues from the Retail Compliance team as necessary):

• Provide accurate, timely and practical regulatory compliance advice to the Private Client business on lending (regulated, unregulated and consumer credit)


• Ensure issues of potential regulatory risk (including potential regulatory breaches) are identified and managed (and/or escalated as required) promptly and appropriately, having regard to the need to treat clients fairly, help clients to achieve good outcomes, acting when clients achieve poor outcomes and manage IBP's Retail regulatory and conduct risks


• Represent Retail Compliance at governance forums when requested to do so (e.g. the Private Client Risk & Conduct Forum) and participate in the business' regular risk assessments from a 2^nd line 'check and challenge' perspective


• Support the business with the development of appropriate forms of remedial action to address any identified issues


• Assess regulatory developments to understand the impact on the business and disseminate practical summaries to the business directing them in relation to any action they may need to take


• Assist in the development of internal policies and procedures in the Private Client business from a 2^nd line 'check and challenge' perspective and help the Head of Retail Compliance to maintain the policies and procedures owned by the Retail Compliance team


• Review and approve relevant regulated training material for the Private Client business


• Represent the Bank at relevant industry meetings and groups (e.g. UK Finance)
  
  Do you have strong compliance advisory experience in regulated lending? Do you have a strong and proven working knowledge of FCA regulation with particular emphasis on MCOB, CONC, Consumer Duty + PRA BTL lending regulation and experience of providing advice on these regulations to a regulated firm?, A number of years' compliance advisory experience in regulated lending


• Strong and proven working knowledge of FCA regulation with particular emphasis on MCOB, CONC, Consumer Duty + PRA BTL lending regulation and experience of providing advice on these regulations to a regulated firm


• Sound knowledge of retail lending products for consumers, with experience working with lending to private banking clients welcomed


• Ability to think clearly and apply technical regulatory knowledge to commercial demands of business


• Adept at tracking changes in the market, products, legislation and regulation relevant to the business areas and communicating them out in a digestible manner


• Ability to read and interpret relevant changes in legislation with reference to Private Client's lending activities


• Ability to effectively help co-ordinate the introduction of operational and regulatory changes to the business via advisory activities always from a 2^nd line perspective, Maintains high levels of integrity and embraces the philosophy of treating our clients fairly and ensuring good client outcomes


• Excellent verbal and written communication skills in communicating with a wide audience - a clear, reasoned approach needs to be exhibited


• Highly motivated with emphasis on attention to detail


• Strong organisational and analytical skills


• Problem solving mentality


• A practical approach and the ability to make clear and concise decisions
  
  Investec offers a range of wellbeing benefits to make our people feel healthier, balanced and more fulfilled in their lives inside and outside of work., Embedded in our culture is a sense of belonging and inclusion. This creates an environment in which everyone is free to be themselves which helps to drive innovation, creativity and ultimately business performance. At Investec we want everyone to find it easy to be themselves, and to feel they belong. It's a responsibility we all share and is integral to our purpose and values as an organisation.
  
  Pension

Private Medical Cover
Virtual GP
Gym Discounts
Psychologist Service
Annual Leave
Life Assurance
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