Head of Banking Compliance, CCOR

Job Title

Head of Everyday Banking Compliance, CCOR

Cardiff, Birmingham, Edinburgh, Bristol, Leeds

Full time

Hybrid – spend two days per week, or 40% of your time, at one of our Risk Hubs.

The Head of Everyday Banking Compliance leads a team of banking and payments compliance specialists to support the Everyday Banking business and millions of customers, ensuring adherence to all core regulatory requirements including BCOBS, PSR, PROD and the Consumer Duty.

• Act as the Group’s risk lead on Everyday Banking compliance, including current‑account and savings products; build strong relationships with leadership and support engagement with regulators.
• Interpret new and existing regulations accurately, forethink the direction of travel and anticipate the impact of proposed changes on the Group.
• Support risk‑based decision making in line with risk appetite and ensure Conduct & Compliance Risks are measured, monitored, controlled, and reported on a timely basis.
• Provide independent challenge to risk decisions and lead the development and implementation of a risk and control oversight plan to assess compliance to relevant laws and regulations.
• Provide broader leadership to the Conduct, Compliance and Operational Risk function as part of the Extended Leadership Team, with a career aspiration to undertake an Executive‑level role.

• 15+ years’ experience in financial services, predominantly in retail banking, with the majority spent in risk and control functions (Legal, Compliance, Risk, Control).
• 5+ years in a Senior Leadership role in compliance or a similar function at head of or director level.
• Demonstrable ability to provide oversight, including testing, and to give credible advice on regulatory obligations and strategic issues.
• Expert knowledge of BCOBS, PSR, PROD and the Consumer Duty.
• Excellent communication skills and the ability to provide risk‑based, commercial and actionable advice to senior business leaders.
• Strong relationship management and experience engaging directly with senior business leaders; prior experience managing teams.
• Ability to challenge risk decisions, handle conflict, and develop organisational alignment.
• Future‑focused mindset with the ability to conceptualise and articulate a customer‑centric desired end state.
• Inspirational leadership and commitment to creating an environment that delivers at pace.
• Legal qualifications (desirable).
• Experience in a large retail bank (desirable).
• Experience deploying AI in compliance or similar functions (desirable).
• Experience delivering compliance and conduct advice through innovation and change (desirable).
• Experience in digital wallets, digital assets, or customer‑facing AI agents (desirable).
• Experience in acquisition activity and integration in a scaled bank (desirable).