Suitability QC Reviewer

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At Rathbones, we help people invest their money well, so they can live well. That means more than financial returns – it’s about helping people feel confident in their decisions and supported in their future. We don’t just manage money, we guide people through life’s big moments, helping them stay on track and focus on what matters most.
We’re proud to be one of the UK’s leading wealth managers, with £113.6bn in assets under management (as of March 2026) and 20+ offices across the UK and Channel Islands. We’re a FTSE 250 company with national reach and a local feel – and we’re growing.

These are exciting roles based within the Quality Control (QC) team working with the Front Office helping to ensure Rathbones fulfils its suitability obligations set out by the Financial Conduct Authority (FCA) in its regulations and Rathbones internal guidance.

In accordance with our ongoing duty of care and obligations, we are required to demonstrate the suitability of our recommendations to our clients have been appropriately considered and justified at both the initial time of application and throughout the client lifecycle, and our clients are receiving suitable outcomes. To demonstrate suitability for posterity and provide evidence when subject to challenge, we need to document our suitability assessment i.e. what we have done, why we did it and when we did it.

This is documented in the form of the Your Investment Mandate (YIM) for existing clients and the initial Your Investment Mandate (Welcome Letter) for new clients.

• Understand how client records evidence suitability and be able to assess whether the advice given is suitable for our clients.
• Ensure the YIM/Client file provides enough justification of the suitability of any recommendations made to our clients to ensure it can stand up to any future challenge.
• Engage with colleagues to aid and support in helping files reach the standard required and report the findings accordingly.
• Provide technically appropriate answers to Front Office queries.
• Provide challenge to the Front Office on suitability judgements when appropriate,
• Follow up on past feedback to ensure any required actions are taken.
• Escalate issues detected in the file reviews, such as potential conduct risk issues.
• Provide support and training in respect of Suitability to the Front Office and other parts of Rathbones as required.

• High attention to detail
• Good written and numerical skills
• Strong IT literacy and able to navigate new systems
• Able to communicate effectively
• An ability to provide written feedback to colleagues
• Good understanding of the UK Regulatory Framework
• Knowledge of Suitability requirements
• Good understanding of Client Vulnerability
• Good understanding of different types of ‘tax wrappers’ such as ISA’S. GIAs and SIPPs etc
• Have an awareness of Rathbones’ approach to responsible investment.

We want everyone at Rathbones to fulfil their potential, in an environment where you are proud to work and feel like you belong.

We offer a comprehensive remuneration package, which we review regularly, and benefits include:

• A company pension - 9% non-contributory or 10% if you contribute 5%
• Private medical insurance – Individual on joining, family after 1 year’s service
• Life assurance - 8 x salary
• Company share scheme
• Discretionary bonus
• Flexible holidays – purchase up to 5 additional days
• Green Car Scheme
• Family friendly policies – enhanced family leave for parents & carers
• Study support – study days and funding for courses and qualifications
• Season travel ticket loans
• Other voluntary benefits you can choose to suit you

Our employees can choose to take part in various social groups and communities to support their wellbeing, growth, development and sense of community.

These include:

• Sports & Social Committees
  , such as cricket, football, netball, running, yoga, quiz nights, charity bake sales and much more.
• Inclusion Networks that help us drive change within the organisation such as Gender Balance, Multicultural,…