Director of Enterprise-Wide Risk
“Lead risk with clarity, challenge with purpose, and shape the bank’s future resilience.”
At Castle Trust Bank, we pride ourselves in being a fintech challenger bank, providing specialist property mortgages, retail finance lending and savings accounts to a variety of customers.
We are seeking an experienced and strategic Director of Enterprise-Wide Risk to lead our second-line risk oversight capability.
This role is based in Basingstoke, with some travel to London, on a hybrid capacity 3 days a week in the office and 2 days at home.
The role and what you’ll lead and deliver:
This is a senior leadership role responsible for delivering independent challenge, governance and enterprise-wide risk insight across Operational Risk, Financial Crime, Treasury Risk, Model Risk, Technology/Cyber and broader non-financial risk areas. You will play a pivotal role in ensuring robust risk frameworks, effective governance and clear visibility of emerging risks across the organisation.
Leading a focused and high-impact team, you will work closely with senior stakeholders, Executive Committees and the Board to shape and strengthen the Bank’s risk profile and resilience.
Enterprise Risk Oversight
- Lead the Bank’s second-line Enterprise-Wide Risk oversight capability
- Provide independent challenge across operational, financial crime, treasury, model and technology/cyber risk disciplines
- Drive the development and maturity of enterprise-wide risk frameworks and governance
- Ensure alignment with risk appetite and regulatory expectations
- Enable visibility and escalation of cross-functional and systemic risk themes
Treasury & Model Risk
- Oversee second-line Treasury and Model Risk governance frameworks
- Review and challenge risk appetite metrics, stress testing outputs and management information
- Oversee model governance processes including inventories, validation tracking and periodic reviews
- Escalate material risks, control weaknesses and governance deficiencies
Operational Risk & Financial Crime
- Lead oversight of Operational Risk and Financial Crime frameworks, deputising for the MLRO where required
- Challenge incident trends, control effectiveness and remediation activities
- Oversee operational resilience, outsourcing and cyber/technology risk themes from a second-line perspective
- Provide enterprise-wide insight into Financial Crime risks and control environments
- Drive identification and escalation of emerging risk themes
Governance & Reporting
- Deliver enterprise-wide risk reporting and thematic insight to Executive and Board committees
- Support effective governance through senior forum participation
- Oversee issue tracking, remediation monitoring and governance reporting processes
- Ensure timely escalation of material or systemic risks
Leadership
- Lead, develop and mentor a high-performing Enterprise-Wide Risk team
- Allocate oversight responsibilities across specialist and analytical resources
- Foster a culture of constructive challenge, collaboration and continuous improvement
- Contribute to broader Risk Division initiatives and regulatory engagement
What you’ll bring:
Essential
- Significant second-line risk leadership experience within financial services or banking
- Degree in a quantitative, finance or related discipline
- Strong understanding of enterprise and non-financial risk management frameworks
- Proven experience overseeing Operational Risk and wider enterprise risk disciplines
- Working knowledge of Treasury, Model Risk and Financial Crime governance frameworks
- Excellent stakeholder management and influencing skills at Executive and Board level
- Experience presenting to senior governance forums and committees
- Strong communication, strategic thinking and leadership capability
Why join Castle Trust Bank?
As well as taking on a high-profile leadership role with direct impact on the Bank’s risk strategy and working closely with Executive and Board-level stakeholders, you will get the opportunity to lead a broad evolving enterprise-wide risk agenda and be part of a progressive, specialist bank focused on growth and resilience.
In addition, you will receive:
- Competitive salary
- Performance bonus (based on individual and company performance)
- Generous contributory pension through Hargreaves Lansdown
- Life Assurance
- 28 days’ holiday + option to buy/sell 5 days
- Additional paid volunteering day
- Private healthcare through BUPA
- 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 our colleagues to thrive. We welcome applications from all and will not discriminate against any status/characteristic protected by law and will always base our decisions on merit.
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 second-line risk leadership experience within financial services or banking
- Degree in a quantitative, finance or related discipline
- Strong understanding of enterprise and non-financial risk management frameworks
- Proven experience overseeing Operational Risk and wider enterprise risk disciplines
- Working knowledge of Treasury, Model Risk and Financial Crime governance frameworks
- Excellent stakeholder management and influencing skills at Executive and Board level
- Experience presenting to senior governance forums and committees
- Strong communication, strategic thinking and leadership capability
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
