Job Description
Why this role is important to us
As a Risk & Control Subject Matter Expert with a Commercial Risk Specialism, you will be part of a core group providing specialised knowledge to solve complex risk and control issues across the business. Your expertise will facilitate risk-based decision-making and ensure consistency in the control environment, applying best practices and shared controls.
This is hybrid role reporting into our Head of Risk & Control SMEs
Work that matters - What you'll be doing
General Risk Expertise – 70%
* Risk Identification & Management: Collaborate with business partners to manage risks, conducting periodic risk assessments to address vulnerabilities.
* Regulatory Compliance: Ensure compliance with internal policies and external regulations, supporting FCA/ICO notifications and policy gap analyses.
* Customer Outcomes: Challenge the business to ensure customer outcomes are central to all propositions.
* Exposure Management: Manage complex risk-related loss events, conducting root cause analysis and coordinating response plans.
* Collaboration & Stakeholder Management: Work with Risk & Control Business Partners, 2LoD teams, and BU Control Specialists to maintain risk and control environment.
* Risk-Based Decision Making: Ensure centralised control strategies are deployed and controls are designed using industry best practices.
* Problem Solving & Analytical Skills: Analyse risk data to identify trends and conduct risk scenario analysis and enhance operational resilience.
Consumer Regulations & Payments Risk Specialism – 30%
* Consumer Protection & Regulatory Compliance: Provide expertise in consumer regulatory compliance, ensuring understanding of enterprise risk management frameworks and consumer duty requirements.
* Payment Risk & Fraud: Assess risks associated with payment processing, including fraud, money laundering, and operational failures. Develop fraud detection and prevention strategies.
* Regulatory & Compliance Focus: Ensure adherence to key regulatory frameworks such as PSD2, FCA Consumer Duty, and AML regulations. Support internal audits and regulatory reviews.
* Emerging Risk & Industry Trends: Maintain visibility on industry trends and latest risks in payments and consumer regulations. Provide insights on new payment technologies.
Qualifications
What you'll need to bring to the role & Experian
* Risk Management Frameworks & Methodologies: Comprehensive understanding of risk management principles and frameworks (COSO ERM, COBIT, SOX, ISO 31000).
* Regulatory & Internal Policy Compliance: Experience in monitoring and adapting to regulatory changes, interpreting policies, and defining business procedures.
* Communication & Collaboration: Ability to work with different teams and communicate requirements to non-technical colleagues.
* Consumer Regulations & Payments Risk Skills: Expertise in consumer regulatory compliance, payment fraud prevention, and adherence to key regulatory frameworks.
More about you
* Experience with risk management principles and practices.
* Proficiency in conducting risk assessments and developing mitigation strategies.
* Experience in identifying and mitigating enterprise-wide risks.
* Deploy centralised control strategies and design controls.
Additional Information
Benefits package includes:
* Flexible work environment, working hybrid or in the office if you prefer.
* Great compensation package and discretionary bonus plan
* Core benefits include pension, bupa healthcare, sharesave scheme and more
* 25 days annual leave with 8 bank holidays and 3 volunteering days. You can purchase additional annual leave.
Internal Grade EB8/D
Closing Date:18th April 2025
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