Compliance Specialist, Finance & Banking

Hi, we’re Penfold - We are on a mission to build the pension of the future!

At Penfold, we’re dragging pensions out of the dark ages with a modern, tech-first platform that makes pensions engaging, accessible, and rewarding.

We’re a growing team across London and Tallinn, backed by top Fin Tech investors, helping more people and businesses save for their future.

As part of a growing business, you’ll have the opportunity to make a real impact, work across a broad range of compliance and risk topics, and develop quickly as the company grows.

We’re looking for a Compliance Specialist to join our Risk & Compliance team.

This is a hands-on role for someone with a good grounding in financial services compliance who is ready to work independently across a number of areas.

You’ll own defined compliance processes and work streams, provide practical day-to-day advice to colleagues, support good customer outcomes and help us identify where our processes, controls and ways of working could be better.

You’ll work across areas including pensions regulation, Consumer Duty, financial crime, complaints, data protection, incidents, regulatory change and assurance.

You’ll have support from more senior members of the team on more complex or unfamiliar issues, but we’ll expect you to take ownership of your work, manage your priorities and know when something needs escalating.

• Provide practical and proportionate compliance advice to teams across Penfold, including owning and responding to Risk & Compliance queries raised through Jira.
• Research regulatory questions, form a clear initial view and translate requirements into practical options for the business.
• Own the day-to-day logging and management of incidents, making sure they are properly recorded, investigated and progressed through to resolution.
• Carry out compliance monitoring and assurance reviews across areas such as complaints, financial crime, marketing, pension regulations and GDPR.
• Support regulatory change by assessing the impact on Penfold and helping implement changes to policies, processes and controls.
• Review, analyse and compile compliance and risk MI, identifying trends and contributing to Risk Committee and other governance reporting.
• Work collaboratively across the business, providing constructive challenge and helping colleagues find compliant ways to deliver at pace.
• Contribute to improvements across the Risk & Compliance function and share knowledge with more junior colleagues.

• Around 2–3 years’ experience in financial services/pensions compliance or a closely related role.
• Good working knowledge of FCA rules and how regulatory requirements apply in practice.
• Experience providing compliance advice to business teams.
• Experience of compliance monitoring, assurance, incident management, and regulatory change.
• Strong written and verbal communication skills.
• Ability to manage multiple priorities and deliver work without close supervision.
• Good analytical skills and confidence researching regulatory issues.
• Experience with in pensions or workplace pensions would be helpful but isn’t essential.
• Knowledge of Consumer Duty, anti-money laundering, data protection and pensions regulation would be beneficial.
• A relevant professional qualification, or willingness to work towards one, would be welcome.

• You take ownership of your work and follow things through to completion.
• You’re comfortable working independently within established processes and frameworks.
• You use good judgement on day-to-day issues and know when something needs to be escalated.
• You take a practical approach to compliance and focus on what actually matters rather than getting lost in technical detail.
• You can explain regulatory…