Overview
As the Head of Compliance & Conduct Risk you\'ll lead Metro Bank\'s second-line oversight of compliance and conduct, ensuring strong governance, effective compliance monitoring, and a clear focus on delivering great customer outcomes. You\'ll work closely with colleagues across the Bank to enable sustainable growth, turning regulatory expectations into practical, proportionate controls and offering credible challenge that protects both our customers and the Bank. You will also drive and continuously enhance our compliance oversight and conduct risk framework—making sure we meet UK regulatory obligations, deliver fair value, embed a strong risk culture, and ensure our products, services and distribution models remain compliant and customer-centric.
Responsibilities
* Develop the Compliance & Conduct Risk strategy for Metro Bank aligned to the bank\'s risk appetite, regulatory priorities, and business strategy.
* Maintain an effective conduct risk framework that covers identification, assessment, monitoring, control design, assurance and reporting.
* Ensure regulatory and conduct risks are identified early through horizon scanning, MI, complaints trends, monitoring results and thematic insights.
* Provide independent compliance and conduct risk advice and assurance to the Executive Leadership team that the Bank is operating within agreed risk appetite in relation to Compliance and Conduct risks, and engage with regulators and industry bodies as needed.
* Provide credible, commercial, risk-based advice to business areas (Products, Brand & Marketing, Banking, Banking Operations, Banking teams) across the product lifecycle and support new product approvals and material change governance.
* Lead compliance impact assessment of regulatory change with business stakeholders to ensure practical implementation of new requirements with ongoing oversight of the delivery of regulatory change.
* Support Senior Managers and business leaders on cases involving serious misconduct, including advice on the Individual and Senior Management Conduct Rules, impact on Fitness and Propriety, and any regulatory notifications/updates required.
* Provide effective governance through regular conduct and compliance risk reporting to ExCo/Board risk committees, clear articulation of risk positions, emerging risks and forward-looking indicators and oversight of issues management and remediation.
* Build and lead a high performing Compliance Team.
Qualifications and Experience
* You must have significant experience in a Compliance, Conduct Risk, or Regulatory Advisory senior leadership role within a UK financial services organisation.
* You must have deep subject matter expertise of the UK regulatory framework (FCA/PRA Handbook, SYSC, CONC, DISP, COBS, PROD, SM&CR) as well as knowledge or experience of Payment Services Regulations and Consumer Credit Legislation.
* Strong expertise around Senior Manager and Certification Regime.
* Expertise in retail banking products (e.g., loans, mortgages, savings, payments, credit cards).
* Demonstrable experience engaging with regulators and supporting supervisory reviews.
* Ability to interpret regulatory rules and translate them into practical business requirements.
* Experience of providing robust, risk-based advice to senior stakeholders.
* Understand the risks associated with your job and what that means for you, Metro Bank and all our stakeholders.
Additional Information
At Metro Bank, we believe the best banking experience starts with people who genuinely care. We\'re not just delivering banking services - we\'re building trust through authentic connections. Here, our people come first; our colleagues are part of a team that values individuality, collaboration, and long-standing relationships. We are also all about balance so most of our jobs offer the opportunity for hybrid working built around your role and home life, wherever possible.
We will make sure that you are well-rewarded by providing you with a competitive salary, discretionary annual bonus, and a wide range of benefits, including generous holiday allowance, attractive pension scheme, healthcare, life assurance, and a number of colleague discounts.
We will give you the training to ensure you succeed in your role and plenty of internal opportunities to progress your career (around 40% of our recruitment comes from internal promotions!).
This role is regulated by the Financial Conduct Authority (FCA) under the Senior Managers and Certification Regime. If you are successful in your application, we are required to carry out additional checks that will be repeated annually while you are in this role. For more information you can visit the FCA website or ask your recruiter who can explain further.
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