M&G
Legal Counsel - Individual Life & Pensions
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Retail Financial Services Lawyer – M&G Legal Team
About M&G Our purpose is to give everyone real confidence to put their money to work. With a heritage dating back more than 175 years, we combine asset management and insurance expertise to offer balanced, long-term investment and savings solutions. Our two distinct operating segments, Asset Management and Life, work closely to provide tailored products and advice.
We foster an inclusive culture built on honesty, accountability, and collaborative progress. Flexible working arrangements and workplace accommodations are available to support effective delivery in your role.
The Role
We are seeking an experienced retail financial services lawyer to permanently join the M&G Legal team, specialising in the Individual Life & Pensions business. The role will:
- Support the development, distribution, and ongoing management of retail savings and investment propositions, enabling business growth while ensuring good customer outcomes.
- Provide legal and regulatory guidance that balances commercial pragmatism with rigorous compliance.
Key Responsibilities
You will deliver timely, clear, and commercially pragmatic legal advice on all matters relating to:
- Retail savings and investment products
- Product structuring and design
- Customer communications and financial promotions
- Relevant legal and regulatory frameworks (interpretation, application, and practical guidance)
Obligations include:
- Identifying, managing, and mitigating legal, regulatory, and conduct risks for the business.
- Advising on product development, implementation, and lifecycle management.
- Overseeing product remediation and updates to terms, features, distribution, and servicing models.
- Drafting, reviewing, and advising on:
- Policy terms and conditions
- Customer communications
- Marketing materials and financial promotions
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Requirements
Technical Expertise
- Qualified solicitor (England & Wales or equivalent) with at least 4 years’ post-qualification experience (PQE).
- Specialised experience within one or more of the following sectors (essential):
- Life insurance
- Pensions
- Asset/wealth management
- Retail financial services.
- Proven working knowledge of legal and regulatory frameworks governing retail savings and investment products.
Commercial and Analytical Capability
- competencies:
- Strong ability to apply legal principles pragmatically in a commercial context.
- Sound judgement to balance legal risk with business objectives.
- Handling complex issuing and interpreting clear, actionable recommendations.
Stakeholder Management
- Strong interpersonal skills and proven ability to influence and engage effectively with senior stakeholders.
- Collaborative mindset; ability to work cohesively across diverse business functions.
Personal Attributes
- Proactive problem-solver with a solutions-oriented approach.
- High levels of ethical integrity and professional judgement.
- Ability to manage competing priorities and deliver high-quality, deadline-sensitive output.
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Position Classification: Manager/Expert
What We Offer
M&G is committed to your wellbeing, career development, and personal confidence. Our robust benefit package includes:
Financial Planning & Savings
-
18% pension scheme:
Comprising:
- 13% employer contributions
- 5% employee contributions
Complementary plans:
- Share Save
- Share Incentive Plan
Access to comprehensive financial wellbeing services – supporting you in realising your long-term goals.
Work-Life Balance
- 38 days annual leave (including bank holidays) + optional purchase of up to 5 extra days.
- A flexible Time Off When You Need It policy for added flexibility.
Family Support
- Inspiring Families Policy: Extensive support along with fully paid parental leave (covering maternity, adoption, surrogacy, and paternity).
Health & Protection
- Private Healthcare coverage
- Critical Illness cover + Life Assurance options
Culture & Inclusion
- Happy, inclusive workforce with policies protecting and celebrating diversity across gender, ethnicity, sexual orientation, neurodiversity, health conditions, and military backgrounds.
- Supporting employees at every stage, including those returning from career breaks.
- Disability Confident Leader Status – welcoming applications from those with long-term conditions or disabilities.
For more information about life at M&G and the full benefits suite, visit: Life at M&G
Contact for accommodation assistance: careers@mandg.com
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