This role is accountable for delivering risk-based, pragmatic, and commercially aware compliance advice that enables first-line decision-makers to take informed, risk-based decisions. Working closely with the Head of Financial Services Compliance, the role contributes to the identification and oversight of key compliance risks, supports the development and maintenance of financial services policy and control frameworks, and helps ensure that regulatory obligations are embedded effectively into business operations. The role also supports proactive and constructive engagement with regulatory bodies, plays a key part in embedding Consumer Duty principles across strategic initiatives, governance, product design, and customer journeys, and contributes to compliance reporting (internal and external) that supports effective oversight, decision-making, and risk management.

The ideal candidate will bring a deep understanding of the FCA regulatory environment, supported by proven experience in providing high-quality and impactful compliance advice within a regulated financial services context. They will demonstrate excellent stakeholder engagement skills, with the confidence to provide constructive challenge while maintaining trusted relationships across commercial, operational, legal, and senior leadership teams. The ability to interpret complex regulatory requirements, and translate them into clear and actionable guidance, is essential.

Key Responsibilities:

• Provide clear, high-quality, risk-based, and commercially aware compliance advice to first-line business functions on financial services regulation and conduct risks, in support of the overall financial services compliance strategy.
• Interpret the FCA Handbook (with particular focus on CONC, ICOBS, PRIN, and SYSC) and translate regulatory requirements into clear, pragmatic, and actionable guidance that supports informed business decision-making and good customer outcomes.
• Act as a trusted second-line advisor, building strong relationships and influence across the business, and providing constructive challenge, oversight, and clear advice on business initiatives, product development, and change activity.
• Ensure compliance advice is delivered from a joined-up, VodafoneThree-wide perspective, taking account of differences and interdependencies between legacy Vodafone and Three businesses. This includes proactively consulting with compliance colleagues across the group to ensure advice is aligned, coherent, and complementary, and supporting consistency or otherwise respecting entity-specific obligations and risk profiles.
• Support first-line ownership of financial services compliance and conduct risks by assisting with risk identification and assessment, escalation of material or emerging risks, and the design of effective, proportionate controls aligned to regulatory expectations, risk appetite, and VodafoneThree’s Risk Management Framework.
• Maintain awareness of the firm’s regulatory permissions and scope of authorisation, and escalate potential permission or scope risks arising from new products or business changes.
• Provide second-line advice, challenge, and oversight in relation to financial services incidents, breaches, and issues, including supporting impact assessments, root cause analysis, and the development of appropriate and timely remediation that delivers fair customer and regulatory outcomes.
• Contribute to the development, review, and implementation of financial services compliance policies, standards, and guidance, ensuring they are clear, practical, proportionate, and aligned to both regulatory obligations and business needs.
• Provide compliance input into new and materially changed financial services products, services, and business activities, partnering with commercial and operational teams to embed regulatory considerations from design through to delivery, and championing compliance by design and good customer outcomes.
• Support the embedding of Consumer Duty principles across governance, product lifecycle activity, customer journeys, and strategic initiatives, providing advice in relation to fair value, customer understanding, and customer support.
• Working closely with the Head of Financial Services Compliance, support proactive and constructive regulatory engagement, including contributing to regulatory correspondence, supervisory interactions, and responses to information requests. This may include preparing technical content, evidence, and analysis for regulatory correspondence.
• Support horizon scanning and regulatory change activity, identifying emerging developments, assessing potential business impacts, and supporting the communication of clear, actionable insights to stakeholders.
• Prepare and contribute to high-quality compliance reporting and management information (internal and external) to support governance forums, senior management oversight, regulatory engagement, and effective risk management. This will include identifying themes, emerging risks, and trends arising from compliance advice, incidents, regulatory change, and business activity, to feed into compliance MI, dashboards, and governance reporting.
• Support the development and delivery of compliance training and awareness activities, including contributing to targeted training for business teams, Senior Managers, and certified individuals, to promote understanding of regulatory obligations, conduct expectations, and good customer outcomes.
• Work collaboratively with the wider Risk & Compliance Team to support delivery, continuous improvement, and ongoing maturity of the financial services compliance programme and wider risk and compliance framework.

Qualifications

• Second-line advisory experience in a UK regulated firm (c. 5+ years) with strong technical understanding of the FCA Handbook – ideally spanning CONC, ICOBS, PRIN (incl. Consumer Duty) and SYSC – and the ability to apply these to consumer credit and general insurance distribution propositions.
• Proven ability to interpret complex rules and translate them into clear, actionable guidance for non-technical audiences (e.g. product, commercial, digital, marketing, and operations), balancing regulatory expectations with risk appetite and commercial objectives.
• Track record of regulatory change delivery – from horizon scanning and impact assessment through to embedding new/updated FCA requirements (e.g. Consumer Duty enhancements) across processes, controls, and MI.
• Demonstrable experience embedding Consumer Duty across governance, product lifecycle, and customer journeys – advising on fair value, customer understanding, and customer support, and constructively challenging MI where outcomes deviate from tolerance or indicate increasing risk exposures.

Additional Information

We know that everyone is unique, with multiple aspects to their identity and different experiences behind them. We are passionate about Inclusion for All and creating a workplace where everyone can thrive, whatever their personal or professional background. If you’re excited about this role but your experience doesn’t align exactly with every part of the job description, we encourage you to apply as you may be the right candidate for this role or another role, and our recruitment team can help you see how your skills fit in.

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