Investigator, Finance & Banking, Banking & Finance

Investigator, Banking – Cardiff.

Contract:

Permanent.

Working hours:

full time (35 hours pw) and part time (28 hours pw). Salary: £32,577 pa (full time), £26,061.60 pa (part time). Reporting to:
Ombudsman Manager.

Start date:

25th January 2027. Our current hybrid policy requires four days per fortnight in the Cardiff office. As part of your induction, you’ll need to spend your first week in our London office. We will cover your expenses for your time in London.

The Financial Ombudsman Service is an independent, not-for-profit organisation that plays a vital role in UK financial services. Every day we help resolve disputes between consumers, or small businesses, and their financial service providers. The complaints we deal with vary. A customer might be having trouble with their bank account, struggling with payday loans, think an insurance pay out isn’t fair, or be worried about their mortgage.

If we believe a customer hasn’t been treated fairly, we’ll ask the business to put things right. If we think the business isn’t at fault, we’ll explain why. The decisions we make have a huge impact: they can be life-changing for individuals, and they provide insights which are useful for financial businesses. By joining us as an Investigator, you’ll play a key role in Banking products.

Each case and each customer are different. No two days are ever the same and sometimes the work is demanding, but it’s a job that makes a real difference and you’ll be rewarded with generous benefits as well as job satisfaction.

• Investigating complaints about Banking products
• Managing your caseload effectively to reach targets
• Managing relationships with our customers – both consumers and financial businesses
• Examining evidence to get to the heart of each complaint
• Weighing up all sides of a story and assessing the relevant rules and regulations to make fair and reasonable decisions
• Communicating with empathy – listening carefully to both sides, asking the right questions and using sound judgement, and
• Communicating your findings clearly, explaining what you think and why through a clear and structured written response

• Expertise making fair and balanced decisions, where you must articulate your thinking clearly
• Excellent communication skills, including a talent for listening and explaining things in clear language as well as good written English
• Experience providing excellent customer service with people who may be angry or upset
• Critical thinking, problem solving and finding constructive solutions
• Strong administrative skills and the ability to prioritise your workload
• History of working to meet targets or service level agreements
• An interest in developing knowledge of Banking products

• Knowledge of Banking financial products
• Relevant qualifications within Banking
• Experience in decision making or investigative roles for example, legal, paralegal, casework or claims

We’re a UK-wide service, with strong values and a diverse workforce, where you can be your authentic self. We’re committed to being a great place to work and to recruiting people from all backgrounds. So, as well as a competitive salary, we offer a great package of benefits, including:

• Core benefits including generous pension, life assurance, critical illness cover, income protection, personal accident cover, private medical insurance, virtual GP
• Optional benefits including travel insurance, technology scheme, cycle to work scheme, dining and lifestyle memberships, dental cover
• Holiday entitlement of 25 days, with the option to buy or sell extra days (full time equivalent)
• Discounts on your everyday shopping, from groceries and petrol to household goods and gift vouchers
• An…