Senior Risk & Compliance Manager

About the Role

Supporting the Compliance and Risk Director and other business units, you will contribute to developing a top-tier risk and compliance program at Quantum Mortgages. Your responsibilities will include the following:

• Ensure compliance with the FCA Handbook including SYSC, PRIN, MCOB, DISP and SMCR.
• Provide expert regulatory guidance to the business on various compliance topics, including Consumer Duty, relevant MCOB rules, Data Protection, and Information Security.
• Develop and implement a comprehensive risk assessment framework to identify, assess, and mitigate compliance and conduct risks. Regularly review and update risk assessments to reflect changes in the regulatory environment and business operations.
• Policy management - provide guidance on the development and implementation of internal policies and procedures related to QML’s products and services.
• Coordinate with internal reporting teams to ensure accurate and timely submission of regulatory reports through FCA’s RegData portal and manage other online services, including Connect.
• Design and deliver training programs to enhance employee awareness of compliance and regulatory risks across the business.
• Develop and maintain a comprehensive compliance reporting system to track and report on compliance metrics and trends.
• Manage and monitor relationships with third-party service providers to ensure compliance with regulatory requirements and internal policies including onboarding, due diligence and performance monitoring in line with our policies and SYSC requirements.
• Manage compliance with the Senior Managers and Certification Regime (SMCR), ensuring all relevant individuals are appropriately certified and that their responsibilities are clearly defined and documented.
• Management of the Firm’s Intermediaries, including onboarding, broker monitoring and audits.
• Provide regular updates to senior management and the board on regulatory changes and their potential impact on the business.
• Develop and execute an annual compliance plan in collaboration with the Compliance and Risk Director, including themed reviews and ad-hoc assessments as necessary.
• Foster a collaborative environment to ensure a cohesive approach to risk management and compliance across the business.
• Regularly review and update the Compliance Monitoring Plan to ensure it remains effective and aligned with regulatory expectations.
• Ensure all financial promotions are clear, fair, and not misleading, and comply with all relevant regulatory requirements.
• Conduct root cause analysis on complaints, breaches and incidents to identify themes and improve policies.
• Develop and maintain a comprehensive incident management framework to ensure timely and effective resolution of compliance breaches.
• Lead and manage the Compliance and Risk team providing mentorship and professional development as needed.

What we’re looking for

Skills and Competencies

• Analytical: Ability to analyse complex data and identify trends.
• Attention to Detail: High level of accuracy in work.
• Communication: Strong verbal and written communication skills.
• Leadership: Proven ability to lead and motivate a team.
• Influential: Proven ability to engage and influence stakeholders at all levels.
• Problem-Solving: Effective in identifying issues and developing solutions.
• Risk Management: Confidence and ability to assess risks and implement effective controls.
• Integrity: High level of ethical judgment and commitment to maintaining the highest standards of compliance.
• Autonomous: Ability to work independently in a fast-paced environment with a proactive and hands-on approach to problem-solving.

Qualifications and Experience

Essential

• Professional certification in Compliance and/or Risk (e.g., ICA).

Desirable

· Lending sector or similar experience

· Bachelor’s degree in finance, Law, Business Administration, or a related field.

· 5+ of Compliance & Risk experience, or able to demonstrate similar competency

Personal Attributes & Disposition

Customer-Centric Mindset

· Demonstrates a strong commitment to understanding and meeting customer needs.

· Proactively seeks customer feedback to improve services and products.

· Prioritises customer satisfaction in all decision-making processes.

Inclusivity and Respect

· Values diversity and actively promotes an inclusive work environment.

· Treats all colleagues with respect and openness.

· Encourages collaboration and values different perspectives.

· Values open, honest, and transparent communication.

Data-Driven and Risk-Focused

· Utilises data to inform decisions and improve processes.

· Adheres to established procedures and guidelines.

· Maintains a strong focus on risk management and mitigation.

Innovative and Bold Decision-Making

· Embraces new technologies and innovative solutions.

· Demonstrates a willingness to take calculated risks.

· Continuously seeks opportunities for growth and improvement.

Why Join Us?

• Company Bonus Scheme: Up to 10% in line with our policies, rewarding your hard work and dedication.
• Life Insurance: Coverage up to 4x your salary for peace of mind.
• Vitality Private Medical Insurance: Comprehensive coverage for you and your family.
• Hybrid Working: Enjoy the flexibility of working from home 3 days a week, with additional/alternative flexible arrangements considered upon request.
• Generous Leave: 23 days annual leave, 8 statutory holidays, plus 2 additional paid leave days over the Christmas period.
• Pension Scheme: Competitive contributions to secure your future.
• Fantastic Company Culture: We pride ourselves on our inclusive and supportive environment, reflected in our amazing team.
• Wellbeing Support: Access to resources and programs to support your mental and physical health.
• Professional Development: Opportunities for training and growth to help you advance your career.
• Career Progression: Clear pathways for advancement, with achievements recognised and celebrated.

About Us

At Quantum Mortgages Limited (QML), we are dedicated to revolutionising the mortgage industry with innovative solutions and exceptional customer service. Established with a vision to simplify the mortgage process, we have grown into a trusted name in the financial sector.

Our mission is to offer personalised mortgage solutions that cater to the unique needs of each client, ensuring a smooth and supportive journey from application to approval.

What Sets Us Apart

• Recognised Excellence: Recently recognised by Mortgage Introducer magazine as the overall top mortgage employer of 2023 and Buy to Let Lender of the Year.
• Specialist Lender: We specialise in providing finance to professional landlords who are underserved by high street lenders and even many existing specialist lenders.
• Personalised Service: We offer customised mortgage solutions tailored to individual needs, ensuring our clients receive the best possible support.

Join us at Quantum Mortgages Limited and be a part of a team that is shaping the future of the mortgage industry. Together, we can achieve great things.