Compliance Manager, Love Finance

• Minimum 5 years’ experience in a compliance/regulatory role within a UK bank, lender, or FCA-regulated institution
• Strong working knowledge of the FCA Handbook (particularly SYSC, CONC, PRIN, DISP)
• Proven readiness to hold (or previously held) SMF16 approval
• Experience designing and embedding compliance frameworks and monitoring programmes
• Strong grasp of Consumer Duty, SMCR, and Conduct Risk requirements
• Excellent communication skills with the confidence to engage effectively at Board and regulator level
• Strong analytical and drafting abilities with exceptional attention to detail
• Integrity, independence, and strong ethical judgement
• Commercial pragmatism and balanced decision-making
• Credibility and influence at senior levels
• Strategic mindset with the ability to anticipate regulatory trends
• Collaborative and proactive approach

Desirable

• As we continue to scale, we are seeking an experienced Compliance Manager (SMF16) to take ownership of our compliance strategy, regulatory framework, and ongoing relationship with the FCA
• This is a pivotal leadership role, offering genuine influence over our governance, risk culture, and long-term strategic direction
• The Compliance Manager will take overall responsibility for the design, implementation, and oversight of Love Finance Limited’s compliance and regulatory framework
• Acting as the firm’s SMF16, they will serve as the primary liaison with the FCA, ensuring the business operates in full accordance with relevant regulations while enabling sustainable commercial growth
• The role covers SME lending, consumer credit, and future regulated propositions, including EMI/Payment Services, Retail Banking, and Credit Cards
• Hold overall responsibility for FCA compliance, including SYSC, CONC, PRIN, COCON, SMCR and DISP
• Maintain an open and cooperative regulatory relationship with the FCA
• Advise COO, CEO and Board on compliance risk and regulatory expectations
• Ensure senior management fit & proper requirements under SMCR
• Lead the Compliance Monitoring Plan and Risk Control Framework
• Design, maintain, and embed compliance policies across conduct, promotions, complaints, whistleblowing, ABC & data protection
• Ensure systems meet Consumer Duty, Treating Customers Fairly and fair value obligations
• Conduct regulatory horizon scanning and thematic reviews
• Develop governance for Credit, EMI & future banking permissions
• Deliver the Compliance Monitoring Plan and maintain the Breach Log
• Produce MI for Board/Audit & Risk Committee
• Liaise with internal/external audit and ensure remediation tracking
• File FCA notifications, returns and regulatory submissions
• Promote a strong conduct and compliance culture
• Deliver structured training to all staff
• Provide first‑line advisory support and ensure ownership of controls
• Act as the primary contact for the FCA and relevant authorities
• Manage regulatory notifications, returns, and correspondence
• Lead responses to regulatory requests and thematic reviews
• Represent the firm in appropriate external forums
• Training: Ongoing training will be provided for this role