Job Description We have a fantastic opportunity available for someone to join our Retail Division as a Technical & Regulatory Manager with a specific focus around our Retail Annuities product line. In this role you will perform First Line Governance activities based around Retail Annuities such as analysing and reviewing any regulatory / legislative changes and also HMRC requirements, to form a view on behalf of the business and lead with the adoption and implementation of any changes that need to occur based on this activity. You will also use your skills, knowledge and experience to provide guidance & support to individuals and teams across the division, including but not limited to taking ownership of process developments / improvements and leading any appropriate training that is needed to ensure compliance with regulatory and legislative changes to minimise our risk exposure. This a hybrid working opportunity, which means that you can work flexibly between our Offices and your home, to find a work-life balance that works for you. (whilst this role is advertised as a Cardiff based role, we would also be open to applications from candidates from other locations as long as they have the applicable skills/experience) What you'll be doing: Analysing and assessing the impacts of any changes to (or new) regulatory, legislative and practice requirements that are likely to affect Retail Annuities teams and business areas. This will include initiating changes to business processes and procedures in response to relevant changes, ensuring that teams consistently follow correct and compliant procedures post-implementation. Providing strategic regulatory guidance and information to projects, including providing technical advice to define system, process and literature design. As well as reviewing project documentation and making recommendations to ensure compliance with applicable regulatory guidelines is met. Taking responsibility for the relationship with Group Tax, Conduct Risk, Operational Risk and other areas within L&G which provide legislative and regulatory updates and contributing to the response to consultation/discussion papers on behalf of Retail Annuities. Undertaking reviews of current protocols, processes and procedures to ensure compliance with regulation and legislation and leading on the appropriate activities / recommendations where remedial action is required to restore appropriate controls. Delivering advice on technical queries, complex issues and complaints, which may include liaising with Group Tax and Conduct Risk as necessary and providing detailed analysis and recommendations on how to proceed particularly in relation to one-off situations, as well as drafting the content of suitable replies to internal and external enquiries which meet appropriate service standards. Communicating effectively with senior managers, colleagues and third parties to explain complex information and ensure that there is an understanding and awareness of the issues and options available. As well as securing agreement to appropriate courses of action. Ensuring that the principles of Conduct Risk are embedded into day-to-day operations to deliver good customer outcomes at all times. This includes ensuring that all business processes and internal controls within the role are designed and performed in a way that delivers good customer outcomes and demonstrates effective management of Conduct Risk. Supporting local business leadership and staff to operate in accordance with regulatory and legislative compliance for the benefit of all customers, in line with the Consumer Duty.