Compliance Expert

Habito; United Kingdom; On-site; GBP 60,000 - 80,000; Full time

Job summary

A fintech company in the UK is seeking a Compliance Expert to ensure adherence to regulatory standards in the mortgage process. The role involves evaluating compliance journeys, providing technical advice to multiple teams, and conducting compliance monitoring. Ideal candidates will have a strong understanding of compliance disciplines and excellent communication skills, demonstrating meticulous attention to detail. Join us to help make mortgages easier for customers!

Benefits

Competitive salary with bonus

Flexible holiday

Enhanced maternity & paternity leave

Life assurance

Contributory pension scheme

International remote working

Paid volunteering days

Sick pay

Give As You Earn scheme

Qualifications

• Strong understanding of compliance disciplines and FCA principles.
• Experience in operating within compliance frameworks.
• Ability to work independently and as part of a team.

Responsibilities

• Evaluate mortgage and protection journeys for compliance.
• Provide compliance advice to various teams.
• Conduct compliance monitoring and case specific feedback.

Skills

Attention to detail

Good communication skills

Stakeholder management

Ability to prioritize

Self-motivation

Job description

Habito is making it easier than ever to get a mortgage, with cutting-edge technology and a straightforward service that puts customers in control.

We’re looking for a Compliance Expert with excellent attention to detail, as part of our Compliance team. Our Compliance team are responsible for providing oversight to the Habito business and customer mortgage journey, ensuring adherence with Habito’s and the FCA’s regulatory standards. The successful candidate will be able to combine their existing compliance experience with the best technology and great teamwork to ensure mortgage advice regulations and fair outcomes for our customers are met.

More about what you’ll do:

• Evaluating mortgage and protection journeys in line with Habito policy and external regulations to ensure appropriate compliance
• Providing technical compliance advice and guidance to our Mortgage Expert, Case Management, Lending and Insurance teams
• Providing regular support and guidance to the wider business
• Providing case specific feedback to the Mortgage & Protection Expert teams around file review findings
• Providing independent and accurate reporting of Habito’s compliance landscape
• Conducting compliance monitoring of the first line and second line
• Supporting risk and compliance assessments including thematic reviews and targeted deep dives
• Assist with the documentation, implementation and streamlining of procedures and processes
• Conduct due diligence on customers, partners, and suppliers, ensuring robust oversight of both regulatory and data protection risks.
• Monitor third-party data processors and ensure contracts include appropriate data protection clauses.
• Developing and maintaining a communication programme to ensure all stakeholders are fully trained and aware of relevant risks and related requirements and responsibilities
• Conducting root cause analysis of compliance issues that arise, considering the regulatory, commercial and reputational impacts
• Support projects and change initiatives relating to SMCR, Consumer Duty, conflicts of interest, regulatory reporting, data protection compliance, and records retention.

You’ll have:

• A strong understanding of the compliance disciplines, FCA principles and data protection
• A good working knowledge of the end-to-end mortgage process is preferred, but not essential.
• Demonstrable experience in operating in environments where compliance frameworks are followed
• Able to deliver in a fast paced and demanding environment
• An attention to detail, with a methodical and organised approach
• Good communication and stakeholder management skills
• Self-motivation and prepared to take responsibility and ownership of tasks
• The ability to prioritise to meet tight deadlines
• Hard working, tenacity and a focused mind set
• The ability to work independently, using their initiative and work as part of a wider team
• The ability to comfortably handle change and in a fast-evolving environment

The stated experience level is a guide and does not preclude applications from candidates with more or less experience, provided the requisite skills can be demonstrated

If you want to be part of a team whose driving purpose is to make mortgages easier, we’d love to hear from you

The benefits

• Competitive basic salary (experience dependent) + discretionary bonus (company performance dependent)
• Flexible holiday - 25 days holiday and more if you need it! (this is team dependent)
• Enhanced maternity & paternity leave - for when you plan to start a family
• Life assurance - 4 x your annual salary
• Contributory pension scheme - We have an ethical pension fund, but you can decide where you put your money
• International remote working for up to 20 days a year
• Volunteering - 2 days paid volunteering each year for charity of your choice
• Sick pay - up to 5 days sick covered each year
• GAYE - Give As You Earn - donate to a charity of your choice via payroll.

More about Habito

Obtaining a mortgage shouldn’t be stressful. That’s why we built Habito.

We use breakthrough technology and top tier experts to deliver the most personalised, fast and convenient way to get a mortgage today. All for free.

We don’t stop at mortgages, either. Together we’re building whole new ways of buying and owning your home. At Habito, you’ll be a vital part of that future.

We want to hear from everyone

The creative brilliance and ingenuity at Habito wouldn’t be possible without a diverse team bringing different perspectives, experience and skills together.

If you feel you can do the job, we’d like to hear from you, no matter what your background or qualifications.

We want to foster a culture where everybody feels included, heard, and equal – regardless of age, disability, gender, marital or parental status, race, religion or belief, sex or sexual orientation.

Seniority level

Associate

Employment type

Full-time

Job function

Administrative, Finance, and Quality Assurance