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UK Compliance Manager

Experian is an Equal Opportunity Employer Including Disability/Veterans Job Number: 188667 United Kingdom

Description

We have a fantastic opportunity for a Compliance Manager (Consumer and Service) to join the team at Experian, a fast-moving, innovative financial services business developing new ways of delivering for its customers. The role offers the opportunity to work in a growing business which is expanding its range of products and services, and we are looking for an individual who is keen to be part of that growth, with a practical approach and a team-player attitude.
You will report into to the Compliance Advisory Manager, bringing subject matter expertise to the Experian business and playing a critical role in supporting the continued development and agile delivery of our products and services. Experian’s ambition is to improve the lives of consumers with our innovations in technology and data, and the Compliance manager will be part of the multi-functional team that brings this ambition to life.
The Compliance Manager is responsible for defining and delivering best in class compliance advisory support and oversight to our Consumer-facing business and our Service (client and consumer) function. They will work in partnership with 1LOD teams, offering pro-active training and support, constructive challenge and risk assessment, contributing to the key business activities and ensuring that regulatory requirements are understood and adhered to. The role holder will have line management responsibility for 2-3 direct reports (who may be based in a different location), and will be expected to coach and develop their team and provide technical oversight of their work. The Compliance Manager will work closely with the Compliance Advisory Manager to ensure consistent standards of compliance support are delivered across the Experian business and to collaborate on shared projects.
Key Result Areas
Accountability, Team Leadership & ManagementThe Compliance Manager will lead a team of 2-3FTE which is suitably skilled to perform its duties, and where all members understand their role in the team's success. They will drive high performance and lead by example, demonstrating the behaviours outlined in the Experian Leadership Standard. The Compliance Manager will:set team objectives and prioritiesinvest in the team’s growth by ensuring the Compliance Training and Competence Framework is embedded through the identification of training and development requirements and opportunities ensure succession planning through a programme of mentoring and coachingcontribute to the direction of the UK Compliance team, deputising for Compliance Advisory Manager or Head of Compliance where requiredinstil a culture of consumer-focussed thinking, ensuring Conduct risks are addressedbe responsible for delivering to the standards of Experian’s Compliance Management ProgrammeManage team resource to reflect the priorities of their stakeholders and wider compliance teamTake responsibility for their personal development and learning, ensuring their knowledge is up to date with developments in the business and in the regulatory environment
Business EngagementThe Compliance Manager will build a relationship of trust and deep knowledge of the business areas they are responsible for, enabling them to:Provide timely, expert and solution-focussed advice on a range of product, customer contact (including complaints handling) and technical regulatory matters;Support 1LOD on resolution of issues and events;Lead the delivery of tailored training and development to 1LOD colleagues to support a compliance culture and increase ability to self-serve andSupport the identification and implementation of regulatory changes relevant the ECS and Service activities.
Oversight and challenge
The Compliance Manager will ensure that compliance considerations are understood and addressed by:representing Compliance in 1LOD committee/governance meetings where product developments, risk issues and other relevant topics are considered;provide constructive challenge where regulatory requirements and/or conduct risks are outside appetite;being a trusted advisor to 1LOD teams, encouraging early engagement on key issues;escalating within Compliance or 1LOD management as appropriate when risks are not being appropriately managed andsharing practical ideas on how best to apply regulatory requirements.
Reporting and Risk IdentificationThe Compliance Manager is responsible for ensuring that management (compliance and 1LOD) is sighted on the key regulatory risks and challenges arising in their areas. To deliver this the role holder will:
Identify and address emerging risks and issues, escalating where necessary;Provide regular reporting to the Compliance Advisory Manager and Head of Compliance on team activity, areas of concern and business developments in their areas; Undertake risk-based oversight and assessment of key developments and risks, including sampling of financial promotions, testing of web journeys and follow up on the resolution of issues;Where an event or issue arises in their area, provide input to any notification to the regulators and oversee remediation.Key InteractionsExperian Customer Service business; Service Function1st Line of Defence management teams and operational risk teams.Legal TeamCompliance Assurance (UK&IRegulatory Relations Team (UK&I)Fraud investigationsGlobal Internal AuditGlobal Business ContinuityGlobal Compliance TeamsGlobal Security OfficeGlobal Risk Management

Knowledge, Experience & Qualifications

QualificationsDegree or equivalent in a relevant discipline is preferred.Appropriate professional qualification is preferred.
Required ExperienceExperience in providing practical compliance advice to a range of stakeholdersDeep Knowledge and experience of compliance in two or more of the following areas of regulated activity: Insurance (non investment); Mortgages; Credit Broking and Consumer Credit; Conduct risk management; Credit Referencing; Payment ServicesAbility to share knowledge and develop team members. Previous management experience preferred. Management of relationships with senior (MD level or above) stakeholders
Desirable:Knowledge of Data Privacy practices and GDPR regulationKnowledge of the generic operational functions and compliance requirements of a credit reference agencyGood understanding of industry best practice and guidance.Prior experience in a FinTech business
Required SkillsAbility to manage conflicting priorities and to deliver to tight deadlines and under pressureExcellent communicator at all levels and experience of working with management and senior stakeholdersStrong written communication skillsStrong risk based judgement skills including the ability to assess compliance risks appropriately with commercial needs.To be recognised as a role model who leads, inspires and drives the performance of their Team

Here at Experian, we believe that great work deserves great rewards. In return for your ideas, commitment and ambition, we'll give you a very competitive base salary and a range of benefits as soon as you join.
On top of your base salary, we offer:
Performance related bonus scheme25 days' annual leave (plus the ability to purchase 5 additional days)Car AllowanceGenerous contributory pensionOpportunity to buy shares with the company share-save schemeLife assuranceMedical and Dental coverRetail discount scheme and 3 Community involvement days per annum
We also work with our colleagues to understand their long term career aspirations to ensure they have the career development and growth they need to achieve these goals. Through personalised career objectives and performance plans, we open up conversations on progression whether this is achieved through mentoring and coaching or classroom learning environments, we offer rewarding ways in which to learn.