Head of Banking Compliance, CCOR

JOB TITLE
:
Head of Everyday Banking Compliance, CCOR

LOCATION(S):
Cardiff, Birmingham, Edinburgh, Bristol, Leeds

HOURS
:
Full time

WORKING PATTERN
:
Our work style is hybrid, which involves spending two days per week, or 40% of our time at one of our Risk Hubs.

We have a fresh operating model for non‑financial risk management across the Group, empowering people to take end‑to‑end accountability for handling risks. The role leads a team of experienced banking and payments compliance specialists supporting Everyday Banking business and the millions of customers who bank and save with Lloyds Banking Group (including Lloyds, Halifax and Bank of Scotland) in adhering to 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, building strong relationships with leadership and supporting engagement with regulators.

Interpret new and existing regulations accurately and adeptly, forethinking the direction of travel and anticipating the impact of proposed changes on the Group.

Support risk‑based decision making in line with risk appetite.

Ensure Conduct & Compliance Risks are measured, monitored, controlled, and reported on a timely basis and provide independent challenge to risk decisions.

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 career aspirations to undertake an Executive‑level role.

15+ years’ experience in financial services, including 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, as well as advice.

Expert knowledge of BCOBS, PSR, PROD and the Consumer Duty, able to provide credible advice and opinions on compliance with regulatory obligations and strategic issues that impact Group strategy.

Able to communicate complex concepts simply and to provide risk‑based, commercial and actionable advice to inform risk appetite decisions by senior business leaders, skilfully balancing difficult trade‑offs.

Strong relationship management skills and experience engaging directly with senior business leaders and previous experience managing teams.

Demonstrates bravery and conviction when providing independent challenge to risk decisions, handling conflict and differing opinions to develop organisational alignment.

Future‑focused by conceptualising and articulating a customer‑centric desired end state.

Inspires others through personal integrity and collaboration to gain followership and commitment to future action.

Coaches to accelerate performance by creating an environment that encourages teams to deliver faster and better.

• Experience in a large retail bank.
• Experience deploying AI in Compliance or similar functions.
• Experience delivering compliance and conduct advice through innovation and change.
• Experience of advice and oversight of digital wallets, digital assets and/or customer‑facing AI agents.
• Experience of acquisition activity and integration in a scaled bank.

• A generous pension contribution of up to 15%
• An annual performance‑related bonus
• Share schemes including free shares
• Benefits you can adapt to your lifestyle, such as discounted shopping
• 30 days’ holiday, with bank holidays on top
• A range of wellbeing initiatives and generous parental leave policies