Compliance Lead Officer

Overview

This is a rare opportunity to own and shape the entire compliance and regulatory strategy for a specific, innovative suite of credit products. As the Compliance Lead Officer for our embedded finance and invoice finance products, you will be the architect of the compliance framework for this business line. You will build upon the foundation of our established policies to create tailored, fit-for-purpose strategies for KYC, AML, transaction monitoring, and regulatory engagement that meet the unique needs of our products and customers.Reporting directly to the Head of Risk, you will be the key subject matter expert, ensuring our innovative products scale safely and in full alignment with both regulatory expectations and the risk appetite.Responsibilities

Architect, implement, and own the end-to-end Compliance and Financial Crime Framework specifically for our digital lending product suiteDesign and deploy sophisticated, risk-based approaches to customer due diligence (CDD/KYC), sanctions screening, and transaction monitoringAct as the primary compliance authority for the product team, providing expert guidance on regulatory requirements and risk mitigation for new product features and market expansionsOversee the day-to-day compliance operations for the product division, ensuring all activities meet the standards set by both regulators and the wider banking groupConduct regular product-specific compliance risk assessments and lead strategic initiatives to remediate any gapsManage the compliance monitoring programme for the product suite, ensuring all documentation is audit-readyServe as the crucial bridge between the innovative product team and the bank''s central compliance function, ensuring alignment and managing any regulatory variationsFoster a culture of compliance awareness within the product division through training and proactive engagementAct as a key point of contact for regulatory bodies on matters pertaining to the specific product suiteRequirements

5+ years of hands-on experience in a senior compliance role within fintech, digital lending, or a bankProven experience in building or significantly enhancing compliance frameworks for specific products, not just maintaining group-wide policiesDeep, practical knowledge of the UK regulatory landscapeExceptional analytical and problem-solving skills, with the ability to translate regulatory text into actionable business requirements for tech and product teamsA confident and influential communicator, able to engage and advise stakeholders at all levels, from engineers to the boardHigh integrity, strong organisational skills, and an unwavering attention to ..... full job details .....