Financial Crime Framework & MLRO Responsibilities:

• Fulfil the role of Money Laundering Reporting Officer (MLRO) and maintain responsibility for the firm's Financial Crime Framework.
• Oversee the management of Anti-Money Laundering (AML), Counter-Terrorist Financing (CTF), sanctions compliance, anti-bribery and corruption, fraud risk oversight and financial crime prevention arrangements.
• Ensure financial crime risk assessments, controls, training, monitoring and reporting programmes remain effective and proportionate to the firm's risk profile.
• Oversee suspicious activity reporting, financial crime investigations and regulatory notifications where required.

Monitoring, Assurance & Testing:

• Develop and maintain integrated Risk and Compliance Monitoring Plans using a risk-based methodology.
• Ensure sufficient monitoring, thematic reviews, assurance activity and testing is undertaken to assess the effectiveness of risk management, compliance and financial crime controls.
• Report findings, control weaknesses, breaches, incidents, emerging risks and thematic trends to appropriate governance forums.
• Ensure management actions are tracked through to satisfactory closure.

Corporate Compliance & Data Protection:

• Maintain and oversee the Corporate Compliance and Data Protection Frameworks, ensuring compliance with applicable legal, regulatory and ethical requirements.
• Lead oversight of Anti-Bribery & Corruption, Conflicts of Interest, Gifts & Hospitality, Whistleblowing, Competition Law, Policy Governance and Data Protection obligations, ensuring appropriate controls, governance, monitoring and reporting arrangements are maintained.
• Promote a culture of integrity, ethical behaviour and accountability through effective training, awareness and employee engagement programmes.

Horizon Scanning, Governance, Reporting & Regulatory Engagement:

• Maintain an effective horizon-scanning process to identify emerging regulatory, legislative, industry and risk developments and assess their potential impact on the business.
• Develop and maintain robust risk and compliance management information, key risk indicators and governance arrangements to support effective oversight and decision-making.
• Provide regular reporting to Executive Management, Risk Committees, Audit Committees and the Board, including annual Compliance, Risk and MLRO reports.
• Act as the primary liaison with the FCA and other relevant regulatory bodies, managing regulatory interactions, submissions, supervisory engagement, investigations, information requests and regulatory inspections.

About you:

Vital:

• Significant senior leadership experience within an FCA-regulated financial services organisation.
• Proven experience leading Non-Financial Risk, Compliance and/or Financial Crime functions.
• Experience operating under the Senior Managers & Certification Regime.
• Strong working knowledge of:
  • Risk Management Frameworks and Governance
  • FCA Handbook
  • Consumer Duty
  • SM&CR
  • Fraud risk management
  • Operational Resilience requirements
• Experience engaging directly with the FCA and other regulators.
• Strong influencing, communication and stakeholder management capabilities.
• Proven ability to provide independent challenge at Executive and Board level.

Desirable:

• Motor Finance industry experience.
• Professional qualifications such as ICA, ACAMS, FCII, ACII, IRM or equivalent.
• Experience leading enterprise-wide risk and compliance transformation programmes.

What you'll get in return:

• You'll receive a competitive salary and highly competitive discretionary bonus structure.
• You'll also have access to their colleague car schemes as well as a generous pension scheme and flexible benefit pot that can be used to find the benefits that are right for you.
• You'll also have access to colleague wellbeing resources, including an Employee Assistance Programme, Mental Health First Aiders and the Inclusion Advocates as well as flexible opportunities to support work life balance.