Compliance Manager SMF16

Love Finance: New Vacancy - Compliance Manager (SMF16)Company: Love Finance LimitedLocation: Birmingham or London (Hybrid) - 2 days per week in the office, at least one day must be Birmingham-based per week Role Type: Full-Time - Permanent Salary: £65,000 to £85,000 per annum Training: Ongoing training will be provided for this roleAbout Love Finance: Love Finance is an ambitious, technology-driven lender dedicated to delivering fast, fair, and innovative finance solutions to SMEs across the UK. 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.About the Role of Compliance Manager SMF16: 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.Key Responsibilities of the Compliance Manager SMF16 Regulatory Oversight & GovernanceHold overall responsibility for FCA compliance, including SYSC, CONC, PRIN, COCON, SMCR and DISPMaintain an open and cooperative regulatory relationship with the FCAAdvise COO, CEO and Board on compliance risk and regulatory expectationsEnsure senior management fit & proper requirements under SMCRLead the Compliance Monitoring Plan and Risk Control FrameworkPolicy & Control FrameworkDesign, 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.Monitoring, MI & ReportingDeliver 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.Training & Cultural LeadershipPromote a strong conduct and compliance culture.Deliver structured training to all staff.Provide first‑line advisory support and ensure ownership of controls.External Regulatory LiaisonAct 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.About You as Compliance Manager SMF16:EssentialMinimum 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.DesirableExperience in a non-bank lender, fintech, or broker-lender environment.Understanding of credit risk, underwriting, and portfolio controls.Professional qualifications (ICA, CISI, or equivalent).Experience leading or mentoring compliance professionals.Personal QualitiesIntegrity, 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.What We OfferA key leadership role in a fast-growing, technology-led lender.Direct impact on our regulatory strategy and corporate governance.Competitive salary and benefits package.Hybrid working with a Birmingham HQ.A culture built on professionalism, accountability, innovation, and ambition. Love Finance: New Vacancy - Compliance Manager (SMF16)Company: Love Finance LimitedLocation: Birmingham or London (Hybrid) - 2 days per week in the office, at least one day must be Birmingham-based per week Role Type: Full-Time - Permanent Salary: £65,000 to £85,000 per annum Training: Ongoing training will be provided for this roleAbout Love Finance: Love Finance is an ambitious, technology-driven lender dedicated to delivering fast, fair, and innovative finance solutions to SMEs across the UK. 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.About the Role of Compliance Manager SMF16: 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.Key Responsibilities of the Compliance Manager SMF16 Regulatory Oversight & GovernanceHold overall responsibility for FCA compliance, including SYSC, CONC, PRIN, COCON, SMCR and DISPMaintain an open and cooperative regulatory relationship with the FCAAdvise COO, CEO and Board on compliance risk and regulatory expectationsEnsure senior management fit & proper requirements under SMCRLead the Compliance Monitoring Plan and Risk Control FrameworkPolicy & Control FrameworkDesign, 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.Monitoring, MI & ReportingDeliver 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.Training & Cultural LeadershipPromote a strong conduct and compliance culture.Deliver structured training to all staff.Provide first‑line advisory support and ensure ownership of controls.External Regulatory LiaisonAct 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.RequirementsAbout You as Compliance Manager SMF16:EssentialMinimum 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.DesirableExperience in a non-bank lender, fintech, or broker-lender environment.Understanding of credit risk, underwriting, and portfolio controls.Professional qualifications (ICA, CISI, or equivalent).Experience leading or mentoring compliance professionals.Personal QualitiesIntegrity, 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.What We OfferA key leadership role in a fast-growing, technology-led lender.Direct impact on our regulatory strategy and corporate governance.Competitive salary and benefits package.Hybrid working with a Birmingham HQ.A culture built on professionalism, accountability, innovation, and ambition. 

Created: 2025-12-13