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Job description

Hello, we’re Starling. We built a new kind of bank because we knew technology had the power to help people save, spend and manage their money in a new and transformative way. We’re a fully licensed UK bank with the culture and spirit of a fast-moving, disruptive tech company.
We’re a bank, but better: fairer, easier to use and designed to demystify money for everyone. Since our launch in 2014, we’ve opened over three million accounts and we've been voted Best Current Account Provider five years in a row. We employ more than 2,300 people across our London, Southampton and Cardiff offices and will open our Manchester office in 2023.
This is a brand new role, created to support our SME Servicing & Collections functions. The role will work to create, deliver and lead on operational Governance, Policy and Risk to ensure all SME Servicing & Collections activities are accurate, fair, compliant and customer-centric and are conducted in line with legal and regulatory requirements, within Starling's risk appetite.
Working arrangements: This is a hybrid role, based from either our London or Cardiff office. This first 6 weeks will be spent full time in the office followed by 2 days per week after this period.

Responsibilities:

• Provide strategic direction and support to drive performance in line with appropriate policies and regulatory requirements.
• Balance priorities with risk appetite to ensure growth is sustainable and compliant.
• Lead and coordinate responses to regulatory queries, updates, requests for information and changes.
• Support delivery of new processes which reflect a deep understanding of both customer and regulatory requirements.
• Create and maintain accurate and up-to-date policies and guidelines for the department.
• Work collaboratively with the wider bank to ensure the best outcomes for our customers and our business.
• Drive and set the governance agenda for SME Servicing.
• Ensure sufficient and effective tools, processes and controls are in place to manage, identify and mitigate risks.
• Understand and adhere to all laws, regulations and regulatory guidance, monitoring and escalating as necessary on legal and regulatory breaches that may be caused by or impacting SME Servicing functions, in line with applicable regulatory requirements and Starling policies.
• Support the First and Second Line of Defence in the establishment and maintenance of a Regulatory Horizon Scanning approach that allows Starling to proactively prepare for compliance.
• Participate in First Line of Defence assurance reviews of processes owned by Operations’ Functions and respective controls applicable to those processes. Identify and support improvement opportunities to make processes and controls more effective and efficient.

Requirements:
Behaviours & Competencies:

• Excellent communicator - both written and verbal.
• Ability to collaborate and establish strong relationships with a multitude of colleagues across multiple lines of defence, lines of business, and functions at varied leadership seniority.
• Listen, challenge the status quo/ speak up, and drive continuous improvement as a people leader, stakeholder, and member of the Operations organisation.
• Exhibit and drive ethical and morally acceptable behaviours in line with the Starling Bank’s values and contribute to increased diversity and inclusion in the workplace.
• Ability to thrive in a fast-paced remote environment.

Skills:

• Detailed expert knowledge and understanding of key regulatory requirements for Banking Services - in the UK ie CONC/DISP/MCOB etc as well as insight on Consumer Duty
• Technical understanding of SME Banking processes and policies.
• Knowledge and experience in Governance, Controls and Risk environment management related functions
• Knowledge and understanding of key regulatory requirements for Banking Services - in the UK and Internationally
• Track record of delivery both individually and collaboratively.
• Related bachelor’s level degree or relevant and equivalent experience required
• Professional Risk or Regulatory risk management function related qualification and membership of a recognised professional body would be advantageous, but not a prerequisite

Benefits:

• 25 days holiday (plus take your public holiday allowance whenever works best for you)
• An extra day’s holiday for your birthday
• Annual leave is increased with length of service, and you can choose to buy or sell up to five extra days off
• 16 hours paid volunteering time a year
• Salary sacrifice, company enhanced pension scheme
• Life insurance at 4x your salary
• Private Medical Insurance with VitalityHealth including mental health support and cancer care. Partner benefits include discounts with Waitrose, Mr&Mrs Smith and Peloton
• Generous family-friendly policies
• Perkbox membership giving access to retail discounts, a wellness platform for physical and mental health, and weekly free and boosted perks
• Access to initiatives like Cycle to Work and Salary Sacrificed Gym partnerships

About Us:
You may be put off applying for a role because you don't tick every box. Forget that! While we can’t accommodate every flexible working request, we're always open to discussion. So, if you're excited about working with us, but aren’t sure if you're 100% there yet, get in touch anyway.We’re on a mission to radically reshape banking – and that starts with our brilliant team. Whatever came before, we’re proud to bring together people of all backgrounds and experiences who love working together to solve problems.Starling Bank is an equal opportunity employer, and we’re proud of our ongoing efforts to foster diversity & inclusion in the workplace. Individuals seeking employment at Starling Bank are considered without regard to race, religion, national origin, age, sex, gender, gender identity, gender expression, sexual orientation, marital status, medical condition, ancestry, physical or mental disability, military or veteran status, or any other characteristic protected by applicable law.

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