Head of Compliance

🔥 18 hours ago

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Loan.co.uk

WebsiteLinkedInAll Job Openings

51 - 200 employees

🛡️ Insurance

💼 Consulting

📦 Logistics

Insurance • Consulting • Logistics

Loan. co. uk is a leading loan and mortgage brokerage service based in the UK. The company offers a wide range of financial products including secured loans, personal loans, mortgages, remortgages, buy-to-let mortgages, and bridging loans. Their service is characterised by the use of their AI-powered assistant, Albot, which helps customers find the most suitable financial solutions tailored to their specific needs by analyzing thousands of options in seconds. With a focus on transparency and customer satisfaction, Loan. co. uk aims to deliver the best-value loans and mortgages with quick and hassle-free processes while maintaining a high level of customer service as evidenced by their excellent ratings and multiple industry awards. Loan. co. uk serves as a broker, providing clients with access to favorable deals from a variety of lenders across the UK.

📋 Description

• Hold SMF16 (after probation sign-off — Compliance Oversight) as the FCA-accountable senior manager for compliance across secured loans, mortgages, bridging and protection. • Own and evolve the compliance framework, policies and procedures across all four verticals, with particular weight on secured loans given its scale and risk profile. • Take a pragmatic, risk-based approach — know the difference between what's a genuine regulatory requirement and what's an internal process choice, and don't gold-plate the latter. • Investigate and resolve compliance issues and complaints efficiently and proportionately — finding and fixing root causes rather than reacting to the problems. • Hold the line between first-line ownership and second-line oversight: coach brokers, underwriters and product teams to own their own controls, rather than compliance doing it for them. • Own delivery of Consumer Duty across all four verticals — fair value, consumer understanding and good outcomes evidenced end-to-end, not just implied through TCF and disclosures. • Use AI to actively redesign and speed up compliance processes — not just to monitor them after the fact — working with Product and Technology so new systems are compliant by design. • Build a tech-enabled compliance function — automating monitoring, reporting and controls without diluting regulatory standards. • Track regulatory change across CONC, MCOB and insurance distribution rules, and translate it into practical, product-specific action. • Act as the in-house expert on monitoring, conduct risk, Consumer Duty, Treating Customers Fairly, SM&CR and FCA reporting. • Use data and MI to proactively identify root causes and trends — rather than reacting to problems after they surface. • Partner with the leaders of each vertical and their teams to provide guidance, training and day-to-day compliance support. • Review documentation, disclosures and marketing across all product lines for clarity and fair outcomes. • Be the main point of contact with the FCA along with the CEO, owning regulatory submissions and ongoing communication.

🎯 Requirements

• 7+ years in a senior compliance role in financial services, ideally spanning more than one regulated lending product (secured/second-charge loans, first-charge mortgages, bridging) and/or protection or insurance distribution. • Currently SMF16-approved, or ready to be put forward for approval. • Strong working knowledge of the UK regulatory environment — FCA rules, CONC, MCOB, SM&CR. • A track record of scaling compliance capability without scaling headcount — using technology and better process to make a small team considerably more effective, in a fast-growing, multi-product regulated business. • A pragmatic, commercially-minded approach to compliance — you distinguish hard regulatory risk from internal process preference, and calibrate effort accordingly. • A clear grasp of the three lines of defence model, especially the boundary between first-line risk ownership (the business) and second-line oversight (compliance). • Experience leading or improving complaint oversight, root-cause analysis and fair customer outcomes. • Experience implementing tech-driven compliance controls, monitoring systems or automated reporting — with a genuine interest in using AI to optimise process, not just to police it. • Commercial awareness — you know how to hold the line on risk without becoming the reason things slow down. • Confident, plain-speaking communication — you can make complex regulation land with brokers and leadership alike. • Comfortable operating autonomously in a fast-paced, remote-first environment. • Professional compliance qualifications (e.g. CRCM or equivalent) desirable; CeMAP or similar a bonus, not essential.

🏖️ Benefits

• BUPA health cover • Perkbox rewards and discounts • company pension • Fully remote position • An opportunity to help shape and innovate the compliance function in a next-generation brokerage that's actively investing in growth.