Norwich or surrounding area
Remote working with onsite presence as and when required
Full-Time
Up to £55,000 per annum plus care depending upon experience
Our client is a technology-focused Mortgage Network, offering support services to Mortgage and Protection Advisers. Their goal is to continue to be the best home for Mortgage Advisers, Protection Specialists, Equity Release Experts and General Insurance Professionals, whatever their size or location, using market-leading technology.
The Role
They are seeking an experienced and commercially aware Senior Oversight Compliance Manager to provide dedicated oversight of the largest Appointed Representative (AR) within their network.
This is a senior role responsible for ensuring the AR operates in line with regulatory requirements, delivers good customer outcomes, and maintains robust governance frameworks in accordance with Financial Conduct Authority (FCA) expectations, including Consumer Duty.
Key Tasks
AR Oversight and Relationship Management:
Act as the lead compliance contact for the AR, representing the Principal.
Provide ongoing oversight and constructive challenge to ensure regulatory standards are maintained.
Maintain a consistent onsite presence to provide visible and accessible compliance support.
Operate as a trusted partner while maintaining independence and the ability to challenge where required.
Regulatory Compliance and Risk Management:
Ensure the AR operates in line with FCA requirements, including MCOB, ICOBS and Consumer Duty principles.
Identify, assess, and manage regulatory and conduct risks within the business.
Provide proactive, forward-looking compliance support to identify emerging risks and support early intervention.
Provide guidance on complex regulatory matters relating to mortgage and protection advice.
Monitoring, Assurance and Supervision:
Oversee monitoring activity, including file reviews, call assessments, thematic reviews, and audit outputs.
Review MI to identify trends, risks, and areas for improvement.
Support targeted and thematic reviews in response to identified risks or business changes.
Governance and Reporting:
Escalate risks, issues, and breaches through appropriate governance channels using independent judgement.
Provide clear, risk-based reporting to senior stakeholders, committees, and the Board where required.
Support regulatory visits, audits, and information requests.
Operational Support and Change Management:
Support the implementation of operational and process changes within the AR in embedding effective controls and improving adherence to agreed processes.
Provide compliance input on business change initiatives, growth, and new activities.
Support improvements to customer journeys, processes, and outcomes.
Training, Coaching and Culture:
Deliver and support on-site compliance training to advisers and AR leadership.
Provide ongoing coaching and guidance to support behavioural improvement and enhance advice quality.
Promote and embed a strong compliance culture across the AR business.
Experience
Essential:
Significant experience within a compliance role in financial services.
Strong knowledge of FCA regulation including MCOB, ICOBS and Consumer Duty.
Experience working with or overseeing Appointed Representatives.
Deep understanding of mortgage and protection advice processes.
Proven ability to manage complex stakeholder relationships at senior level.
Strong risk assessment, decision-making and regulatory judgement skills.
CeMAP or equivalent financial services qualification.
Desirable:
Experience within a network or AR oversight model.
Experience working with large, complex or high-risk AR firms.
Background in compliance monitoring, advisory, or consultancy.
Personal Qualities:
Strong stakeholder management and influencing skills.
Ability to provide constructive challenge while maintaining effective relationships.
Commercial awareness balanced with a strong risk and regulatory mindset.
Excellent analytical, problem-solving and report writing skills.
High level of integrity, independence, and professional judgement.
Benefits:
25 days plus bank holidays as standard with the option to buy more each year
Company pension
Health and wellbeing programme
Company Sick pay
As our client is a non-sponsoring organisation, you will need to have the right to work in the UK.
Regular travel and onsite presence are required to support an embedded and effective compliance approach. Home working is available when not on site
Salary description
£45000.00 - £55000.00 per year