Risk & Compliance Assurance Manager

ABOUT HOMEPROTECT Cover for Almost every Home We founded Homeprotect on a simple principle - to provide protection to people underserved by the home insurance industry. Since 2002, we've been combining smart technology with real human expertise to protect hundreds of thousands of unique homes across the UK, and we're just getting started. If you're someone who loves solving interesting problems, taking ownership and working with a team that aims high, speaks up and lifts each other, Homeprotect is a place where you can do meaningful work, grow your career and make a real difference for our customers. What It's Like to Work Here Our customers come from all walks of life and so do our people. We're a small but perfectly formed team of insurance specialists, technologists, data scientists and customer champions - all bringing individual expertise, an appetite for innovation and a shared ambition to protect the homes and things people love. We work at pace, but we trust our people to work in a way that brings out their best. You'll collaborate closely across teams, have real ownership from day one and see the impact you have first-hand with flexible working to help you balance the needs of your role with the rhythm of your life. We've been recognised as a Great Place to Work UK for seven consecutive years - most recently ranked 29th nationally, jumping 71 places in a single year. KEY RESPONSIBILITIES Compliance Monitoring & Assurance Design and deliver a high-quality dynamic risk and compliance assurance plan, including thematic reviews, control testing, and follow-up actions to assess compliance with regulations and the delivery of good customer outcomes. Conduct thematic reviews, sample testing, and deep-dive assessments of first line activities (e.g., sales, claims, complaints, financial promotions, fraud prevention, outsourcing). Identify control gaps, root causes, and regulatory risks; agree actions with business owners; track remediation to completion. Maintain up-to-date knowledge of regulatory rules, guidance, and best practice, ensuring monitoring activity is aligned with regulatory expectations. Produce clear, risk-based monitoring reports and dashboards for the CRCO and relevant committees. Support targeted reviews in response to incidents, regulatory developments, or emerging risks. Work closely with first line teams to provide constructive challenge and support, embedding a culture of compliance by design and proportional risk management. Enhance the monitoring methodology, templates, and reporting to ensure best practice, efficiency, and consistency. Use MI, analytics, and trend analysis to identify emerging risks and inform monitoring priorities. KNOWLEDGE, SKILLS & EXPERIENCE We would love to hear from people with the following skills and experience for this role: Skills & Experience Strong knowledge of FCA rules, particularly Consumer Duty, SYSC, PROD, ICOBS, and financial crime obligations. Experience in risk and compliance monitoring, testing, or assurance within insurance or wider financial services. Strong analytical and investigative skills, able to identify root causes and provide practical, risk-based recommendations. Excellent written and verbal communication skills, with the ability to draft clear reports for senior audiences. Collaborative and pragmatic approach to stakeholder engagement, able to balance regulatory compliance with commercial needs. Comfortable working independently without direct reports, managing priorities and deadlines effectively. Advantageous: Experience with Enhanced SMCR regime, outsourcing oversight, and use of data/MI in assurance work. Qualifications and Knowledge Prior experience in home insurance or personal lines insurance. Relevant professional compliance qualifications (e.g., ICA, CISI, ACII) preferred. Familiarity with Governance, Risk, and Compliance frameworks and controls. Exposure to regulatory implications of AI and machine learning (if relevant to pricing, underwriting, or claims). Experience with FCA or PRA thematic reviews or Skilled Person (s166) reviews. BENEFITS We want you to feel rewarded, supported and set up to thrive throughout your career with us. Learning and Growth: We invest in your development through structured learning, mentoring, buddying, on-the-job experience and cross-functional projects. We support role-relevant professional qualifications where they'll make the biggest difference, and our Lunch and Learn sessions to help you stay connected to what’s going on right across the business. Health and Wellbeing: Your wellbeing matters here. We offer private healthcare through BUPA, an Employee Assistance Programme covering legal, financial and counselling support for you, a Wellbeing Centre with online tools and resources, regular wellbeing seminars and workshops, annual flu jabs and an annual eye care voucher. Financial Security and Reward: We offer an annual discretionary bonus scheme upto 30% of your base pay, life insurance at four times your salary, and a pension with Aegon. You'll also receive a significant discount on Homeprotect home insurance - with a friends and family discount too, and a staff referral bonus when someone you recommend joins the team. Time Off: 25 days' annual leave plus bank holidays, with the option to buy or sell up to five additional days each year. Genuine Flexible Working We trust our people to work in a way that best suits them - with flexible working to balance the needs of your role with the rhythm of your life. We ask that everyone comes into the office at least once a week, as we believe in-person connection is important for collaboration, culture and building great relationships. You'll receive a homeworking starter kit from day one and can claim towards additional home office equipment within your first six months. Purpose and Community: We care about more than just the work. Through our charity partnership with Refuge, the UK's largest specialist domestic abuse charity and regular social, wellbeing and charitable events throughout the year, there are plenty of ways to connect, give back and feel part of something bigger. UNIQUE AS STANDARD We're proud to be an equal opportunity employer and actively encourage applications from all backgrounds. We believe in celebrating difference - everything that makes both our customers and our people unique. We consider visa sponsorship on a case by case basis for the right candidate, so please don't let that stop you from applying. We encourage you to let us know if you need any extra help with your application or have any requirements at any stage of the recruitment journey, we want the process to work for you. Your data will be maintained in line with our recruitment data privacy policy. Regulatory Responsibilities As an FCA regulated insurer, doing the right thing isn't a compliance requirement - it's simply how we work. All colleagues are expected to uphold the FCA Individual Conduct Rules (1–6) and act with integrity, due skill and care, openness with regulators and a genuine commitment to delivering good outcomes for our customers. You'll work within approved processes and authority limits, keep accurate and auditable records, protect data under UK GDPR and our information security policies, escalate risks and exceptions promptly, report incidents, breaches and any financial crime or sanctions concerns (including via whistleblowing), support vulnerable customers with reasonable adjustments, and complete all mandatory training to maintain competence. If the role falls within SM&CR, a supplementary document outlining the key regulatory responsibilities will be provided.