[Hiring] Compliance Manager @LemFi

Role Description

Pillar Labs Ltd is LemFi's regulated credit entity, and this is its core compliance hire. You'll sit inside a small, growing second-line function, reporting directly to the Compliance Lead and MLRO (SMF16/SMF17). The role spans the full width of a consumer credit business:

• Day-to-day conduct oversight
• Financial crime
• Consumer Duty
• Financial promotions
• FCA returns
• Deputy MLRO cover

This is a hands-on role with real visibility. You'll give practical regulatory advice to Customer Support, Collections and Complaints, review and approve customer-facing content before it goes live, carry out first review of financial crime escalations and internal SARs, and prepare the MI that lands in front of the Board and ExCo. You'll also work directly with the SMF16/17 on new product launches, regulatory change and FCA engagement.

What you'll build and own

• Deliver day-to-day second-line oversight across complaints handling (DISP), collections and arrears (CONC 7) and customer support, reporting findings and themes to the SMF16/17
• Review and approve all customer-facing content before it goes live: marketing, app journeys, servicing emails, arrears communications and partner promotions, assessed against the financial promotions rules, Consumer Duty and the CAP Code
• Act as deputy MLRO: carry out first review of financial crime alerts, escalations and internal SARs, prepare them for MLRO decision, and cover MLRO duties when needed
• Run Consumer Duty outcomes monitoring and testing, including vulnerable customer identification and support, and prepare the Board and ExCo MI pack
• Prepare scheduled FCA returns and ad hoc data requests ready for sign-off, and maintain the compliance breach log, issues log and actions tracker
• Carry out day-to-day oversight of third parties, including vendor due diligence and ongoing monitoring (IARs)
• Support the SMF16/17 on new product and product change reviews, regulatory change projects and the firm's financial crime framework, using AI tooling to move faster on drafting, analysis and QA

Qualifications

• 3 or more years in a compliance role at an FCA-regulated firm, with direct exposure to consumer credit products
• Hands-on financial crime experience: reviewing alerts and escalations, drafting or reviewing internal SARs, and solid working knowledge of POCA and the Money Laundering Regulations
• Practical experience reviewing and approving financial promotions and customer-facing communications against the FCA rules
• Working knowledge of Consumer Duty and DISP complaints handling, with experience running second-line oversight or QA of complaints, collections or customer support
• Comfortable preparing written reports and MI for senior stakeholders, and giving clear, practical regulatory advice to first-line teams under time pressure
• At ease working in a lean team where you pick up the brief early, work through ambiguity and get things done without a large support structure around you

Nice to have

• Experience acting as deputy MLRO or nominated officer cover, and familiarity with vulnerable customer frameworks and Consumer Duty outcomes testing
• Experience of FCA regulatory returns, outsourcing oversight (IARs) and CONC in a fintech or fast-growing credit business
• A relevant qualification such as the ICA Certificate or Diploma in Compliance or Anti Money Laundering

Benefits

• Your work here puts money back into families' pockets.
• You'll take on some of the hardest problems in finance alongside people who do their best work when the stakes are real.
• In return you get room to own real problems, global impact you can see, and a team that won't slow you down.