Manager, CMA, Customer & Product Risk Specialist
| Posting date: | 22 August 2025 |
|---|---|
| Salary: | £65,385 to £72,650 per year |
| Hours: | Full time |
| Closing date: | 05 September 2025 |
| Location: | Bristol, Bristol, BS1 5LF |
| Remote working: | Hybrid - work remotely up to 3 days per week |
| Company: | Lloyds Banking Group |
| Job type: | Permanent |
| Job reference: | 140995_1755876687 |
Summary
JOB TITLE: Manager Financial Promotions & CMA Risk Specialist
SALARY: £65,385 - £72,650
LOCATION(S): Bristol, Glasgow, Leeds, Halifax, Chester, Birmingham, Edinburgh, Cardiff
HOURS: Full-time
WORKING PATTERN: Our work style is hybrid, which involves spending at least
two days per week, or 40% of our time, at one of our office sites
About this opportunity
We're on an exciting journey and there couldn't be a better time to join us. We've put in place a fresh operating model for Non-Financial risk management across the Group, empowering our people to take end-to-end accountability for managing the risks that they face.
We changed how we approach risk management, and in second line we created a team of risk specialists within 'Customer & Product' to support the Group in how it manages its conduct risks so that we deliver great customer outcomes.
We're looking for an individual to join a second-line team of compliance risk specialists that will support and challenge the Group in adhering with regulatory requirements in relation to financial promotions, as well as a centre of excellence for compliance advice for Competition and Markets Authority rules and guidance.
Not only will you bring second-line compliance or legal experience, but we're looking for candidates who are innovative and transformational who love proactively working with the business (including the first-line financial promotions and CMA teams) to develop new opportunities to better meet customers' needs.
The perfect candidate will have second-line experience in both Financial Promotions and CMA, however, that perfect candidate may not exist so if you have strong second-line compliance or legal experience in either Financial Promotions or CMA then we would love to hear from you. Don't discount yourself if you don't meet all the criteria.
Key accountabilities:
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Responsible for defining, developing and implementing a clear and comprehensive risk appetite that outlines risk tolerances and risk limits, defining guardrails and control objectives.
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Providing regulatory advice to first-line (particularly the first-line CMA and Financial Promotions teams) and supporting with regulatory engagement
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Change Oversight of material/significant projects and associated execution/delivery risks.
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Oversight and challenge of risk data.
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Rectification/Remediation oversight - ensuring timely action taken to address control weaknesses and customer detriment.
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Deep dives into specific problems, making and agreeing recommendations for improvement.
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Writing reports which are succinct and impactful.
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Staying abreast of external environment and regulatory developments and Inputting to regulatory consultations and supporting first-line CMA and Financial Promotions teams to introduce vital changes.
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Working across the broader Compliance, Conduct & Operational Risk team collaborating to achieve strategic priorities for the function.
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Continuously monitor the risk landscape for changes to existing risks and identification of new, emerging risks.
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Whilst working at pace, juggling multiple activities concurrently and being responsible for proactively developing self and supporting others across the team.
Why Lloyds Banking Group
Like the modern Britain we serve, we're evolving. Investing billions in our people, data and tech to transform the way we meet the ever-changing needs of our 26 million customers. We're growing with purpose. Join us on our journey and you will too!
What you'll need:
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Experience of working in a second-line compliance or legal environment.
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Knowledge of Financial Promotion rules, advertising standards and the Consumer Duty Sourcebook with the ability to provide challenge and advice and with the ability to present clear and practical examples of application of these regulations in an increasing digital and agile world.
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Knowledge of CMA rules and guidance, specifically around the Retail Banking Order, including interpretation and traceability, regulatory engagement, and delivery of compliance advice.
We also offer a wide-ranging benefits package, which includes:
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A generous pension contribution of up to 15%
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An annual performance-related bonus
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Share schemes including free shares
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Benefits you can adapt to your lifestyle, such as discounted shopping
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30 days' holiday, with bank holidays on top
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A range of wellbeing initiatives and generous parental leave policies
Want to do amazing work, that's interesting and makes a difference to millions of people? Join our journey!
Proud member of the Disability Confident employer scheme