Compliance Advisory Manager
"Shape Better Outcomes. Deliver Trusted Compliance Advice."
At Castle Trust Bank, we believe doing the right thing for customers is fundamental to everything we do. As a specialist challenger bank, we provide mortgages, retail finance lending and savings products that help customers achieve their financial goals.
We're looking for an experienced Compliance Advisory Manager to join our Compliance Team and play a pivotal role in supporting the Bank's growth and strategic ambitions. This is a highly visible, business-facing role where you'll provide expert regulatory advice, constructive challenge and trusted guidance across products, customer journeys and business activities.
This role is based in Basingstoke on a hybrid basis, working 3 days in the office and 2 days from home.
The role and what you’ll deliver:
You will act as a trusted second line adviser to the business, helping to ensure regulatory requirements, conduct expectations and good customer outcomes remain at the heart of decision-making across the Bank.
Compliance Advisory & Regulatory Risk Management
- Provide expert Compliance advice and constructive challenge across our consumer credit, mortgage and savings businesses, including deposits and ISA products.
- Act as a trusted adviser on FCA regulatory requirements, Consumer Duty, conduct risk, product governance, complaints, vulnerable customers, financial promotions and customer communications.
- Interpret regulatory requirements and FCA guidance, translating expectations into practical, commercially aware solutions.
- Review and challenge policies, procedures, customer journeys, operational processes and controls to support regulatory compliance and positive customer outcomes.
- Identify emerging regulatory and conduct risks, agreeing proportionate mitigation actions and escalating material concerns where appropriate.
- Support stakeholders in making informed, risk-based decisions whilst maintaining compliance with regulatory expectations.
Financial Promotions & Customer Outcomes
- Review and approve financial promotions and customer communications, ensuring they are clear, fair, not misleading and compliant with applicable regulatory requirements.
- Provide specialist guidance on Consumer Duty, fair value, foreseeable harm and customer understanding considerations across products and services.
- Support the design and delivery of customer journeys, communications and processes that achieve positive customer outcomes.
- Challenge business proposals where regulatory or conduct risks are identified, helping stakeholders develop effective and compliant solutions.
Regulatory Advice & Business Change
- Provide Compliance subject matter expertise and regulatory guidance on business initiatives, projects and product developments.
- Assess regulatory implications of proposed changes and provide pragmatic advice to support compliant implementation.
- Review customer outcome assessments, risk assessments and governance documentation, providing independent challenge where required.
- Support stakeholders in understanding and applying regulatory requirements throughout the change lifecycle.
- Ensure Consumer Duty, conduct risk and customer outcome considerations are appropriately reflected in business decisions.
Governance & Stakeholder Management
- Prepare regulatory analysis, impact assessments, Compliance opinions, committee papers and management reporting.
- Support regulator-facing activities, including information requests, thematic reviews and remediation programmes.
- Maintain robust records of Compliance advice, approvals, challenge and decisions to support strong governance and auditability.
- Build effective and trusted relationships across the Bank, providing balanced, pragmatic and commercially aware challenge.
- Deliver Compliance training and awareness initiatives to enhance regulatory understanding across the business.
- Contribute to the continuous improvement and maturity of the Compliance function.
What you’ll bring:
We're looking for someone who combines strong regulatory knowledge with a pragmatic, solution-focused approach. You'll be confident influencing stakeholders at all levels, providing effective challenge where required whilst helping the business deliver good customer outcomes and achieve its strategic objectives.
In addition, you will have the following experience:
Essential
- Significant experience within a UK regulated financial services environment, ideally covering mortgages, consumer credit, savings, deposits and ISA products.
- Strong Compliance Advisory experience within a second line Compliance function.
- Detailed knowledge of FCA regulatory requirements and expectations, including Consumer Duty and conduct risk frameworks.
- Strong understanding of relevant FCA Handbook requirements, including MCOB, CONC, BCOBS, DISP, PRIN, PROD and financial promotions requirements.
- Experience supporting Product Governance, product development and customer outcome assessments.
- Ability to interpret complex regulatory requirements and apply them pragmatically to products, customer journeys, communications and operational activities.
- Experience reviewing and approving financial promotions.
- Experience providing effective challenge whilst maintaining strong stakeholder relationships.
- Strong written and verbal communication skills with the ability to influence at all levels.
- Excellent organisational skills with the ability to manage multiple priorities and deadlines.
Desirable
- Experience within a retail bank, specialist lender or consumer finance organisation.
- Knowledge of SM&CR and conduct risk management frameworks.
- Experience supporting interactions with the FCA, including thematic reviews, information requests or regulatory remediation activities.
- Experience preparing Board, Executive Committee or governance committee papers.
- Professional Compliance qualification (ICA, CISI or equivalent).
Why join Castle Trust Bank?
- Competitive salary
- Performance bonus (based on individual and company performance)
- Generous contributory pension through Hargreaves Lansdown
- Life Assurance
- 25 days’ holiday + option to buy/sell 5 days
- Additional paid volunteering day
- Private healthcare through Equipsme (includes cash back for Dental and Optical treatment)
- Free access to BHSF Rise EAP to support colleague health and wellbeing
- Gym discounts
- Season ticket travel loans (if applicable)
- A supportive, inclusive culture where your work has real impact
Caught your attention? If so, we'd love to talk to you and tell you more about what it's like to work at Castle Trust Bank, The Place To Work.
Castle Trust Bank is an equal opportunity employer where we celebrate diversity and are committed to creating an inclusive environment for all colleagues to thrive. We welcome applications from all backgrounds and will always make decisions based on merit, capability and potential.
We are proud to support people with disabilities and are committed to be a Disability Confident employer. If you are a person with a disability and meet the minimum criteria for the role you will be offered an interview. Should you require any reasonable adjustment to support you in your application for one of our opportunities, please contact [email protected]
https://www.castletrust.co.uk/careers/who-we-are
Skills Required
- Significant experience within a UK-regulated financial services environment, ideally covering mortgages, consumer credit, savings, deposits, and ISA products.
- Strong compliance advisory experience within a second-line compliance function.
- Detailed knowledge of FCA regulatory requirements and expectations, including Consumer Duty and conduct risk frameworks.
- Strong understanding of FCA Handbook requirements, including MCOB, CONC, BCOBS, DISP, PRIN, PROD, and financial promotions requirements.
- Experience supporting product governance, product development, and customer outcome assessments.
- Ability to interpret complex regulatory requirements and apply them pragmatically to products, customer journeys, communications, and operational activities.
- Experience reviewing and approving financial promotions.
- Experience providing effective challenge while maintaining strong stakeholder relationships.
- Strong written and verbal communication skills with the ability to influence stakeholders at all levels.
- Excellent organizational skills with the ability to manage multiple priorities and deadlines.
- Experience within a retail bank, specialist lender, or consumer finance organization.
- Knowledge of SM&CR and conduct risk management frameworks.
- Experience supporting FCA interactions, including thematic reviews, information requests, or regulatory remediation activities.
- Experience preparing Board, Executive Committee, or governance committee papers.
- Professional compliance qualification such as ICA, CISI, or equivalent.
What We Do
Traditional financial service providers are often burdened with costly overheads including expensive branch networks, inflexible technology and huge armies of people. At Castle Trust Bank, we keep our overheads to a minimum and we use savings proceeds to fund our lending solutions. In the past, we offered investment products to our customers which proved very popular. As a bank, we now offer savings accounts, giving our customers the added benefit of FSCS protection for their deposits. Our history means that we have a strong understanding of what our customers need and have built our savings range with those customers and their needs front of mind. In a complex world, we strive for openness and clarity. We place the highest importance on treating our customers fairly not just because it's the right thing to do but because we know that the trust of our customers is crucial to our future success. We recognise that for many mortgage customers, traditional solutions don't cut the mustard. These customers can often have high quality assets but unconventional income and so find it difficult to borrow at reasonable rates and on sensible terms. What experienced buy to let investors need is lending with imagination. They need a lender that recognises cash flow and net worth are not the same thing. They need a lender that is flexible in their approach and makes considered, logical decisions. Castle Trust Bank is that lender. We also offer point of sale finance through our Omni Capital Retail Finance arm. Partnering with retailers nationwide, we support their business by offering finance plans to their customers. OmniPort technology gives retailers paperless credit approval which fits seamlessly with their sales processes and customers can use our dedicated customer portal to keep up to date with their loans
