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Head of Compliance, Compliance Oversight & Money Laundering Reporting Officer Job Description Mphasis UK Ltd The Head of Compliance, Compliance Oversight & Money Laundering Reporting Officer (SMF16 & SMF17) is responsible for providing independent oversight of the firm's regulatory compliance framework and for establishing, maintaining and overseeing the firm's anti-money laundering and counter terrorist financing arrangements. Acting as both the firm's Compliance Oversight function and Money Laundering Reporting Officer, the individual ensures the business complies with FCA rules, the Consumer Duty, the Senior Managers & Certification Regime, the Money Laundering Regulations 2017 (as amended), the Proceeds of Crime Act 2002, the Terrorism Act 2000 and applicable financial sanctions legislation. The role provides independent second-line oversight across all regulated activities undertaken by both the Principal firm and its overseas Appointed Representative, ensuring that regulatory, financial crime and conduct risks are appropriately identified, managed and escalated. Reports to: Managing Director (SMF 3) Accountable to: The Board of Directors Key Internal Relationships: SMF 1/3 (Managing Director, Business lead, Delivery lead Key External Relationships: Appointed Representative (India) – senior management, lender clients, FCA (as directed by SMF 1/3), legal and professional advisers. Compliance Oversight, Financial Crime & Regulatory Assurance • Lead the firm's Compliance and Financial Crime function, providing independent oversight of regulatory compliance and ensuring the business continues to meet its obligations under FCA rules and applicable legislation., • Act as the firm's SMF16 (Compliance Oversight) and SMF17 (Money Laundering Reporting Officer), subject to FCA approval, taking personal responsibility for the firm's compliance and anti-money laundering frameworks., • Develop, implement and maintain an effective compliance framework, ensuring policies, procedures and controls remain appropriate, proportionate and aligned with regulatory requirements., • Design and deliver a risk-based Compliance Monitoring Programme, carrying out thematic reviews and monitoring activities to assess compliance, identify areas of improvement and ensure timely remediation., • Provide oversight of the firm's Anti-Money Laundering (AML), Counter-Terrorist Financing (CTF), sanctions and financial crime arrangements, including the Business-Wide Risk Assessment, customer due diligence and suspicious activity reporting processes., • Act as the firm's Nominated Officer, receiving and assessing internal suspicious activity reports and making external disclosures to the National Crime Agency where appropriate., • Provide independent oversight of the firm's Appointed Representative, ensuring appropriate governance, monitoring and regulatory control is maintained across all outsourced regulated activities., • Monitor changes to FCA rules, legislation and industry best practice, advising senior management and the Board on regulatory developments and ensuring appropriate implementation across the business., • Prepare and present regular compliance and financial crime reports to the Board, highlighting regulatory risks, monitoring outcomes, emerging issues and recommendations for improvement., • Support the business in embedding Consumer Duty, ensuring customer outcomes remain at the centre of decision-making and regulatory obligations are reflected in day-to-day operations., • Work collaboratively with the Managing Director and senior management, providing independent advice and constructive challenge while maintaining the integrity and independence of the Compliance function., • Promote a strong culture of compliance, ethical behaviour and regulatory awareness through training, guidance and ongoing engagement with colleagues across the business. SM&CR Responsibilities & Regulatory Accountabilities (SMF16 & SMF17) As the FCA-approved Senior Manager performing the SMF16 (Compliance Oversight) and SMF17 (Money Laundering Reporting Officer) functions, the post holder will be responsible for maintaining an effective compliance and financial crime framework, ensuring the firm meets its regulatory obligations and delivers good customer outcomes. The role includes responsibility for: • Providing independent oversight of the firm's compliance with FCA rules, legislation and regulatory requirements., • Establishing and maintaining effective compliance systems, controls and a risk-based Compliance Monitoring Programme., • Providing independent regulatory advice and challenge to senior management and the Board., • Overseeing the firm's Consumer Duty framework and monitoring customer outcomes., • Ensuring effective oversight of the firm's Appointed Representative and outsourced regulated activities., • Acting as the firm's Money Laundering Reporting Officer (MLRO), overseeing the AML, CTF, sanctions and financial crime framework, including customer due diligence, suspicious activity reporting and regulatory compliance., • Monitoring regulatory developments and ensuring appropriate implementation of legislative and regulatory changes., • Reporting material compliance and financial crime risks to the Board and, where required, the FCA and other relevant authorities., • Promoting a strong culture of compliance, integrity and ethical conduct throughout the organisation. Experience & Qualifications Essential • Significant experience within an FCA-regulated financial services environment, preferably consumer credit, debt collection, debt administration or a related sector., • Strong working knowledge of the FCA Handbook, including CONC, SYSC, DISP, Consumer Duty and SM&CR., • Experience of developing, implementing or monitoring compliance frameworks, policies and controls., • Experience of undertaking compliance monitoring, regulatory advice and risk assessments., • Good understanding of Anti-Money Laundering (AML), sanctions, customer due diligence and financial crime requirements., • Experience of preparing management information and presenting compliance matters to senior management., • Excellent communication, analytical and stakeholder management skills. Desirable • Previous experience operating within a Principal/Appointed Representative model., • Experience of working with outsourced or offshore operational teams., • Experience of FCA authorisations, supervisory engagement or regulatory change programmes., • Experience acting as an MLRO, Deputy MLRO or Compliance Manager., • Knowledge of debt collection or debt administration activities. Qualifications • Degree or equivalent professional experience., • Professional compliance qualification or working towards one., • AML or Financial Crime qualification desirable., • Eligibility to obtain FCA approval as an SMF16 and SMF17. Key Competencies • Commercial Awareness – Able to provide pragmatic, risk-based regulatory advice that supports business growth while ensuring compliance with FCA requirements., • Regulatory Expertise – Strong understanding of the FCA regulatory framework, Consumer Duty, SM&CR, AML and financial crime requirements, with the ability to interpret and apply regulatory change effectively., • Risk-Based Decision Making – Able to assess regulatory and financial crime risks, balancing customer outcomes, regulatory obligations and commercial objectives., • Independent Judgement & Integrity – Confident in providing objective advice and constructive challenge to senior management and the Board while maintaining professional independence., • Leadership & Influencing Skills – Able to build credibility, influence stakeholders at all levels and foster a positive culture of compliance and ethical behaviour., • Analytical Thinking – Strong ability to interpret data, identify trends, investigate issues and recommend practical, proportionate solutions., • Communication Skills – Excellent written and verbal communication skills with the ability to explain complex regulatory matters clearly to both technical and non-technical audiences., • Governance & Organisational Skills – Strong planning and organisational capability with the ability to manage multiple priorities, meet deadlines and maintain high standards of governance., • Relationship Management – Builds effective working relationships across the business, supporting collaboration while maintaining appropriate independence., • Continuous Improvement – Proactively identifies opportunities to strengthen governance, improve processes and enhance customer outcomes. The appointment to this role is conditional upon: • FCA approval of the candidate to perform the SMF 16/17 obtained by the firm via the submission of Form A prior to the commencement of the role;, • Submission to the FCA of an accurate and complete Statement of Responsibilities covering the SMF 16/17 function;, • Satisfactory completion of criminal record checks via the Disclosure and Barring Service (and any overseas equivalent as appropriate);, • Satisfactory regulatory reference checks going back six years, obtained in accordance with SYSC 22; and, • The firm's own fitness and propriety assessment confirming the candidate's suitability. #J-18808-Ljbffr

Credit Controller Want to make an application Make sure your CV is up to date, then read the following job specs carefully before applying. Temporary role for a minimum of 6 months Hybrid role Derbyshire based Eaton Syalon are seeking an organised and proactive Credit Controller to join our client on an on-going temporary basis. The role will be temporary for a minimum of 6-months. This is an excellent opportunity for someone who enjoys building relationships, resolving customer queries and playing a key role in maintaining healthy cash flow. You'll be responsible for managing a portfolio of customer accounts, reducing financial risk and supporting the wider business by ensuring timely collection of outstanding debt. Key Responsibilities: Manage a portfolio of approximately 400 - 500 customer accounts, ensuring outstanding balances are collected in line with agreed payment terms Maximise cash collection while maintaining positive customer relationships Record all customer interactions accurately using the company's credit management system Assess customer creditworthiness and support effective credit risk management Monitor customer accounts to identify and minimise the risk of bad debt Review customer trading activity and manage accounts that exceed agreed credit limits Work closely with Sales and Distribution teams to resolve account issues and support business growth Investigate, log and resolve customer account queries in a timely manner Reconcile customer accounts where required Process customer card payments and monitor daily banking receipts Person Profile: Previous experience within a credit control or accounts receivable environment Excellent communication and relationship-building skills Strong numerical accuracy and attention to detail Good negotiation and problem-solving abilities The ability to prioritise workload and meet challenging deadlines A proactive and adaptable approach to customer service Confidence working with finance systems and Microsoft Office applications As this role is a temporary position initially, we ask that candidates are available to start immediately or with a short notice period of no more than 1 week. xrnqpay Please apply to find out more information if you are available and have the required credit control experience.

Wesco in the United Kingdom is seeking a Credit & Collections Analyst to manage credit information, review overdue accounts, and contact customers to confirm payments.

D&B, Experian, Equifax, NACM, CreditSafe) to obtain credit information. As a Credit & Collections Analyst, you will be responsible for collecting and maintaining basic credit information. Maintain the appropriate levels of risk within the business by completing ongoing risk reviews of our current p

Build and improve credit risk, fraud and pricing models. Strong commercial experience in Credit Risk, Fraud Analytics or Data Science. Senior Data Scientist / Credit Risk Analyst.

ResponsibilitiesDesign and maintain underwriting policies and decisioning frameworks for sole traders, SMEs, and fleet/multi-vehicle segments, including credit line setting and utilization managementOversee credit risk across the dealer wholesale/fl

MERJE is hiring a Head of Credit to build and run the credit function for a growing start-up. You’ll lead a small team and report into senior leadership, balancing growth with prudent risk controls while driving credit strategy across consumer or salary-based lending. You will own policy, underwri

A leading UK bank is searching for an experienced Credit Risk Manager to join their Real Estate Finance team. Candidates must demonstrate a strong track record in making sound credit judgements and possess excellent communication skills. This role demands deep expertise in development and investment

A leading global technology partner is seeking an experienced Business Analyst for Credit Risk in Corporate & Investment Banking. Candidates should possess over 8 years of experience, strong analytical skills, and knowledge of credit risk frameworks.

You will provide recommendations on credit limits and terms, monitor accounts for risk, and produce regular credit risk reports for management. You will assess new and existing credit applications, conduct credit checks and analyse financial data to determine creditworthiness, while maintaining accu

Apply deep knowledge of Credit Risk concepts including counterparty risk, credit scoring, internal/external ratings, PD/LGD/EAD modeling, and credit exposure measurement. Support the design of risk systems and interfaces for credit risk data capture, aggregation, and reporting. Lead workshops and di

A leading financial services company in the UK is seeking a Credit Risk Analyst to conduct risk assessments and complete financial analyses.

You will also lead the implementation of approved changes to the credit decisioning systems, develop new management information (MI) reports, interpret MI to identify trends and opportunities, support cross-department projects with credit risk expertise, provide training for senior/credit risk analy

Provision of credit reporting to the Credit Risk Manager and CRO. Join to apply for the Credit Risk Analyst role at Lumon. Performing credit control activities in line with credit policy.

A large energy trading business in the North of England is expanding their Credit Risk department and is looking to hire an experienced Credit Risk Analyst to drive innovation and continuous improvement in their decision making capabilities, analysis and reporting. You will play a key role in the gr

You will manage a team of credit risk experts to oversee the setting of Credit Risk Strategy, ensuring alignment with Nationwide strategic direction and ensuring credit risk is being managed in line with Risk Appetite. As an experienced credit risk professional, with a working knowledge of all facet

Credit Risk Management Analyst. Analyzing and interpreting credit portfolio data to support asset quality monitoring and early warning indicators.

The successful candidate will focus on credit risk management and support liquidity risk monitoring and reporting. A financial services firm in the United Kingdom is seeking a proactive Analyst to join their growing Risk team. With a minimum of 3 years' experience, the Analyst will manage a portfoli

Develop and maintain the production of regular MI to support the monitoring and evaluation of credit risk KPIs, key drivers and performance of credit risk strategies. Work with internal colleagues and with suppliers to; define requirements, procure, build, test and implement new credit risk capabili

Process credit applications (including the use of financial spreads to risk rate client applications using the Moody’s Analytics model) and make recommendations, highlighting all risk issues pertinent to the credit decision. Justify credit decisions/recommendations (both verbally and in writing) a

Collaborate closely with the Head of Risk and Head of REF Risk on key strategic projects. Real Estate Finance credit risk with substantial experience across. Comprehensive understanding of credit risk principles, governance frameworks, and the regulatory landscape affecting Real Estate Finance.

Specialist Risk Group (SRG) is seeking a motivated professional to join its Credit & Political Risk team in delivering bespoke insurance solutions for complex, cross-border transactions. You’ll build technical expertise in structured credit and geopolitical risk while expanding your client exposur

As our Senior Credit Risk Analyst, you'll be responsible for ensuring the Society's credit risk models and credit risk management information are appropriately built, maintained and monitored. As one of the UK's fastest-growing building societies, with a proud heritage and ambitious plans for the fu

A prestigious financial services organization in London is seeking a Credit Risk Management Analyst. Responsibilities include preparing accurate technical documentation, analyzing credit portfolio data, and crafting insightful reports.

An international insurance firm is seeking a Senior Credit & Political Risk Underwriter based in London. This mid-senior level role involves underwriting credit and political risk insurance while fostering relationships with global brokers and clients.

You will manage a team of credit risk experts to oversee the setting of Credit Risk Strategy, ensuring alignment with Nationwide strategic direction and ensuring credit risk is being managed in line with Risk Appetite. As an experienced credit risk professional, with a working knowledge of all facet

I am exclusively partnering with a growing Financial Services business to recruit a newly created Credit Risk Manager for their mortgage portfolio. There is a strong risk culture with mature frameworks across credit, operational, compliance, and financial crime and they are currently undergoing digi

Credit or Financial Risk Analyst managing a portfolio of clients. In addition to credit risk responsibilities, the successful candidate will support. Share responsibility for daily, weekly, and monthly financial risk reporting, such as breach logs, early warning indicators, and key risk indicator up

A growing Financial Services firm in the United Kingdom is seeking a Credit Risk Manager to oversee its mortgage portfolio, focusing on risk modelling, MI enhancement, and ICAAP reporting. The ideal candidate will have experience in mortgage credit risk, strong knowledge of risk frameworks, and the

IDEX Consulting Ltd are seeking an experienced treasury professional to own counterparty credit risk and liquidity risk frameworks within a leading UK investment platform.

Leasing Life, located in Cheshire, is seeking a Junior Credit Underwriter focused on credit risk management. This role involves analyzing credit data, evaluating risks, and working within a team to assess financing applications.

Senior Credit & Political Risk Underwriter. The Senior Credit & Political Risk Underwriter position is ideal for someone with experience in structured and project finance looking for a strategic and senior underwriting role within a collegiate and dynamic global team. Underwrite the Credit and Polit

Dudley Building Society is seeking a Senior Credit Risk Analyst to support credit risk modelling and management information. This temporary 6-month contract will cover maternity leave, with responsibilities spanning ECL models, governance, and risk reporting. You will work with Product and Analytics

This role offers the chance to take real ownership of credit risk strategy within a fast-evolving consumer lending environment. Strong commercial experience in consumer credit risk within lending products such as cards, loans or mortgages. Strong opportunities for development, progression and moveme

A highly regarded financial services organisation in the UK is seeking an experienced Credit Risk Manager to lead senior underwriting efforts across various lending sectors. The successful candidate will handle complex credit assessments, provide oversight, and engage with the Credit Committee. With

Aimee Willow Connex in Chelmsford is seeking a dedicated Credit Controller to join our Operations team.

This hybrid role involves processing credit applications and supporting the Head of Credit Risk in strategic initiatives. The ideal candidate will have extensive credit risk experience, particularly with UK Mid-Corporates. A leading financial services firm seeks a Credit Risk Analyst for a 12-month

American Express is seeking a Portfolio Manager within Credit and Fraud Risk (CRU) to assess credit risk for large exposures across regions and business lines. You will underwrite, structure facilities, and collaborate with front office sales, risk partners, and credit administration to ensure sound

Michael Page is seeking a bookkeeping-focused credit risk analyst to assess and manage credit risk within a growing organisation in the United Kingdom. The role involves analysing financial data, monitoring existing credit accounts and preparing risk reports to support informed decision-making. The

Belinda Roberts Ltd in the Bury area is seeking a Credit Analyst to process credit applications and ensure the correct amount of credit insurance is in place. Responsibilities include assessing credit applications, providing feedback to Sales on credit decisions, maintaining credit insurance, identi

A large energy trading business in the North of England is expanding their Credit Risk department and is looking to hire an experienced Credit Risk Analyst to drive innovation and continuous improvement in their decision making capabilities, analysis and reporting. Develop and maintain the productio

Experience in programming languages SQL and Python in a credit risk environment. Experience in programming languages SQL and Python in a credit risk environment. This includes answering client queries related to data characteristics, scores and also involvement in analytical projects, for example, c

Oversight, responsibility and accountability for supporting the Head of Leveraged Finance, Mid-Market Direct Lending Credit for EMEA in guiding and developing a group of credit professionals within the Leveraged Finance, Mid-Market Direct Lending Credit Team. Responsible as a Director within CIB Cre

Set, review and continuously enhance underwriting standards, credit policies and risk frameworks. Assess transaction risk, borrower strength, leverage, exit strategy, security and risk-adjusted returns. Working closely with the CEO and senior management team, you will provide independent and commerc

As a Bank Care Assistant at a Barchester care home, you'll help residents enjoy each day by making sure they get the quality care and support they deserve.You'll assist with daily living, providing support and companionship and sharing great moments and memories too.It's a chance to bring your dedi

Fixed Term until 11 April 2027.Eastertoun Primary is a non-denominational school in Armadale, which benefits from a mixed catchment area in terms of socio-economic background.The school currently has 12 primary classes and a nursery class.The Senior Leadership team consists of a Head Teacher, an Act

This is a casual, part-time role offering flexible working.As a Bank Housekeeping Assistant at a Barchester care home, you'll help to create a warm and homely environment that enables us to meet each resident's unique needs.Keeping the home clean and safe is no small task, which is why the role of a