Experience

Knoma

• United Kingdom
• Financial Services
• 1 - 100 Employee

• Compliance Manager

  • Apr 2022 - Present



Oakam Ltd

• United Kingdom
• Financial Services
• 1 - 100 Employee

• Junior Compliance Officer

  • Aug 2017 - Present

  • Identifying, tracking and escalating regulatory risks throughout the business• Monitoring regulatory publications to ensure the business is aware of any regulatory landscape changes throughout the industry and giving monthly updates. Using horizon scanning to update policies and procedures in line with regulatory changes and updates.• Managing the Complaints Department ensuring all disputes are managed within internal and external SLAs.• Providing ad-hoc advice to all business functions. This included reviewing financial promotions.

• Senior Complaints Officer

  • Sep 2014 - Present

  Supervising the effective management of all official complaints and major disputes. These include disputes from The Financial Ombudsman Service and the Credit Reference Agencies. Supervising and editing written correspondence to both customers and external companies to ensure the information is succinct and compliant with both internal policies and wider regulations.Providing wider support to other departments and sharing best practice to drive overall business improvement. This has led to several changes in the company’s policies and procedures and reduced the number of overall complaints received.

• Compliance Manager

  • Jun 2019 - Apr 2022

  Acting as deputy to The Chief Operating Officer (SMF16 & 17) managing the compliance needs of the business as well as Managing the Complaints Department and deputising for the MLRO.• Proactively monitoring regulatory publications, for horizon scanning, and updating policies and procedures in line with regulatory updates and guidelines• Identifying, tracking and escalating regulatory risks throughout the business and assisting in the mitigation and resolution of these risks.• Deputising for the MLRO with AML and CTF risk management. This includes reviewing triggers based on JMLSG recommendations, escalating high-risk cases to the MLRO, reporting to the National Crime Agency (NCA) and drafting the annual MLRO report.• Providing guidance, challenge and advice to all business functions on best practice. This includes informing Risk departments on Credit Risk, required updates to affordability assessments (CONC) and screening Financial Promotions to ensure compliance with industry standards and requirements.• Managing and monitoring the Complaints Department (3 Individuals) to ensure all disputes are managed within internal and external SLAs whilst upkeeping TCF principles and delivering positive customer outcomes. Efforts resulted in an industry-leading 25% upheld rate with FOS (H1.2021).• Assisted in the design and execution of the compliance monitoring and testing plan. This included conducting departmental audits, gap analysis after regulatory updates and 2nd line checks on audits to ensure quality assurance.

• Underwriter

  • Sep 2013 - Sep 2014



N. Bolton Finance

• Account Manager

  • Jun 2012 - Aug 2013

  Underwriting loans. This included reviewing customer affordability to manage risk and return of investment. Also helped with general management of all customer accounts and records. Underwriting loans. This included reviewing customer affordability to manage risk and return of investment. Also helped with general management of all customer accounts and records.