Job Purpose

The Project Manager will be part of the Bank’s Change Management team, delivering projects and business change that support our strategic objectives. The role is responsible for planning and delivering projects in line with the Change Management Framework, ensuring clear objectives, scope and outcomes are achieved.

Working closely with colleagues across the Bank and third-party suppliers, the Project Manager will manage multiple projects of varying size and complexity, providing effective oversight, governance and delivery throughout the change lifecycle.

This role is suited to a proactive individual who is comfortable working with stakeholders at all levels, making informed decisions, and taking ownership of project delivery. A strong focus on service excellence and building effective relationships, both internally and externally, is essential.

Key responsibilities:

• Manage the delivery of multiple concurrent projects of varying size to agreed timescales and quality.
• Prepare and take ownership of project plans, milestones, project resource demand and project reporting in alignment with organisational standards.
• Identify, track, manage and mitigate any project risks, assumptions, issues and dependencies, working with the 3 lines of defence.
• Analyse problem and opportunity statements and work with stakeholders to seek solutions.
• Facilitation of workshops, clear documentation of the outcomes ensuring the project scope has been clearly defined, this will require working with key business SMEs to ensure the business problem has been thought through and is well understood.
• Complete all project and governance documentation to the required standards.
• Ensure that services or products required for project delivery are delivered to schedule and are of high quality.
• Track and report on project costs and ensure the project is completed within allotted budgets.
• Track, report and realise project benefits and take the necessary actions required using a consistent approach.
• Build and maintain a positive working relationship with stakeholders across the organisation at all levels and including external partners.
• Work collaboratively with 3rd party suppliers tasked with delivering the joint implementation project outcomes.
• Challenge key stakeholders, third parties, vendors and business functions to deliver what is agreed.
• Chair Project Meetings to extract / share key information.
• Support the Test Lead, with the management and co-ordination of testing (incl. non-functional testing).

Required skills, knowledge & experience:

• An appropriate project management qualification and/or proven change management experience OR demonstrable experience in Business Analysis and managing workstreams and is looking to make the next step in their career.
• Experience of working in a SCRUM / AGILE environment and prioritising items for SPRINT deliveries would be beneficial due to scope of projects aligned to this role.
• Flexible and adaptable attitude.
• Highly developed analytical skills and the ability to analyse and interpret complex information to identify and manage resolution of key issues.
• Experienced user of MS Office Products including a good working knowledge of Excel (data organisation, pivot tables, basic formulae).
• Excellent organisational and action planning skills.

Job Purpose

To lead and oversee the Bank’s 2LoD Financial Crime Team, responsible for owning, updating, and overseeing compliance with, the Financial Crime Risk Framework to ensure all regulatory obligations are met.

Accountable as the Bank’s MLRO and Nominated Officer, with responsibility for Anti-Money Laundering (AML) / Counter Terrorist Financing (CTF) oversight and acting as the regulatory contact for all financial crime matters.

Provides expert leadership across all areas of Financial Crime Risk, including AML / CTF, Sanctions, Fraud Prevention, Anti Bribery and Corruption, and Tax Evasion, driving a strong control environment and culture of integrity across the Bank.

Key Responsibilities:

Leadership & strategy

• Lead and evolve the Bank’s Financial Crime Strategy, ensuring alignment with regulatory expectations and business priorities.
• Provide clear, credible insight to Executive leadership and the Board on Financial Crime Risks, emerging threats and Key Control Effectiveness.
• Provide expert, pragmatic advice on Financial Crime Risk, supporting informed decision-making across the business.
• Oversee 1LoD teams to ensure effective Financial Crime controls are embedded which support good client outcomes and help drive sustainable business growth.
• Promote and embed a strong Financial Crime Risk Culture, ensuring Policy, Policy Standards, and obligations are clearly communicated and understood across the Bank.
• Support the design and delivery of role based Financial Crime training.

MLRO & regulatory oversight

• Act as the Bank’s MLRO and Nominated Officer, fulfilling all statutory responsibilities.
• Oversee Suspicious Activity Reporting and ensure robust systems and controls are in place to detect and prevent Financial Crime.
• Act as the primary point of contact for regulators and law enforcement (including FCA and NCA), maintaining strong, transparent relationships.
• Responsible for the production of an MLRO Report, at least annually.

Financial Crime Framework, Risks & Key Controls

• Own and continuously enhance the Bank’s Financial Crime Framework, Policies and Policy Standards, ensuring they remain effective, proportionate and aligned to regulatory and legislative requirements.
• Lead Financial Crime Risk & Control Assessments, ensuring risks are identified, understood and managed in line with Board-approved Risk Appetite.
• Ensure Key Controls are designed and operating effectively to mitigate the Financial Crime Risks the Bank is exposed to.
• Oversee breach identification and escalation, ensuring issues are managed, reported and resolved appropriately.
• Monitor regulatory developments, industry guidance and emerging risks, leading timely implementation of enhancements.
• Ensure constant focus is placed on the Key Control environment required to mitigate evolving fraud threats.

Governance, reporting &external engagement

• Deliver clear, insightful MI and reporting to the CRO, Executive and Board Risk Committees, supporting strong oversight.
• Establish and maintain effective governance forums and ensure audit and regulatory readiness.
• Contribute to key Risk Committees and represent Financial Crime in strategic projects and change initiatives.
• Build and maintain relationships with external bodies (e.g. UK Finance, CIFAS), regulators, and key third-party providers.

Team Leadership & capability

• Lead, coach and develop the 2LoD Financial Crime team, ensuring a high-quality, professional service to the business.
• Foster a culture of continuous improvement, collaboration and accountability.
• Build strong internal relationships while maintaining appropriate independence and objectivity to protect the Bank and its clients.

• Proven senior leadership experience in Financial Crime Risk within financial services, with a recognised Financial Crime qualification.
• Previous experience as, or supporting, an MLRO, with strong understanding of regulatory accountability.
• Experience shaping and enhancing Financial Crime Frameworks, Key Controls and operating models.
• Deep knowledge of UK Financial Crime regulation, including POCA, Money Laundering Regulations, FCA requirements and JMLSG guidance.
• Broad expertise across core Financial Crime risk areas.
• Strong understanding of Private Banking Risks, including high-net-worth clients, complex ownership structures and cross-border activity.
• Sound commercial judgement, with the ability to balance regulatory requirements with client and business needs.
• Ability to work independently, accurately and calmly under pressure to meet tight deadlines, with a genuine desire to keep learning and improving.
• Proven ability to lead, motivate and develop a small specialist team (around 5+ years’ leadership experience preferred).
• Confident communicator, able to engage and influence at all levels of the organisation.
• Experienced in managing and challenging senior stakeholders constructively.
• Resilient, solutions‑focused and comfortable providing independent challenge when needed.

JOB PURPOSE

The Head of Credit plays a critical role in managing the credit risk in the Bank and ensuring sound credit stewardship within the Banking team. Reporting directly to the Chief Banking Officer, this leadership role is responsible for first line risk management of the Bank’s lending, authorising delegated credit discretion to Bankers and the overall quality and compliance of the credit book. The role is designated a Material Risk Taker for the Bank.

MAIN RESPONSIBILITIES / KEY DUTIES

Leadership and Management

• As a member of the Banking Senior Management Team, contribute to the leadership of the function driving the Bank’s strategy and business objectives.
• Supported by two Senior Sanctioning Officers oversee the quality of lending analysis and decision making of the Banking team.
• Work closely with the Heads of Banking to ensure positive development of credit skills and capability.
• Approve credit proposals above delegated discretion levels and below Credit Committee levels.
• Member of the Bank’s Credit Committee.

Operational Excellence

• Head of Credit, along with first and second line colleagues, will take part in a project to rework of the Bank’s lending policy and procedures with the objective of enabling easier decision making, streamlining processes, report writing, and improving the quality of output.
• Assure the quality of credit decisions with ongoing feedback and development training with banking team.
• Assure the quality of “in life” credit management including early identification of financial difficulties. E.g. Annual reviews, refer list management, etc.
• Ensure clients displaying early signs of distress/deterioration in credit quality are added to the ‘Watchlist’ and afforded the appropriate support and attention.
• Work with Credit Risk team on all relevant areas of credit management e.g. health of the credit portfolio, risk appetite, policy and distress/arrears management.
• Drive ongoing standardisation of efficient processes, workflows, and ways of working across all aspects of the credit process.
• Ongoing execution and management of credit function controls in relation to the Bank’s lending, and documenting this using the Bank’s Risk and Control Self-Assessment system.

Training and Competency

• Provide regular and relevant training to Banking team.
• Along with the Head of Credit Risk determine and deliver thematic and specialised training to help the Bank fulfil its strategy.

Collaboration and Continuous Improvement

• Work with the Credit Risk Team to identify opportunities for improvement and issues that need addressing
• Present the status of the credit portfolio and ongoing risk management to relevant committees
• Work with the Heads of Banking teams to provide feedback on Banker’s performance with lending
• Support organisational projects and strategic initiatives, ensuring the team’s alignment and contribution to broader business goals.
• Build and maintain constructive and effective relationships across the business in line with the Bank’s culture and behaviours.
• Work closely with the Head of Product for lending to develop the bank’s proposition and policies.

REQUIRED QUALIFCATIONS, KNOWLEDGE, & SKILLS

• Proven leadership and team management experience.
• Experience of working with all levels of seniority within Banking and specifically credit risk.
• Strong understanding of lending and credit risk management including arrears and distressed credits.
• Ability to manage workload planning and project capacity effectively.
• Strong interpersonal and communication skills, with the ability to influence and collaborate with stakeholders at all levels.
• Commitment to fostering a high-performance culture and developing team capabilities and competence.
• Knowledge of relevant regulatory and compliance requirements within the banking industry. MCOB would be helpful. Ideally CeMAP qualified.
• Technical specialist and strong ability to apply knowledge of credit risk control systems, processes and reporting.

Job Purpose

To assist Banking Directors and Associate Banking Directors to manage their defined Client Portfolios, and to be responsible for handling day-to-day administrative matters for those clients, providing exceptional levels of service.

Key responsibilities:

• To establish and maintain strong working relationships with clients, which will involve in person as well as online meetings.
• To handle day-to-day administrative matters (e.g. payment processing, account opening, foreign exchange, deposit requirements) with a particular emphasis on retail and commercial clients.
• To assist with the preparation of internal credit applications and with regular monitoring of existing borrowings in accordance with Company Credit policies and procedures. This requires gaining good skills in using the bank’s internal systems.
• To undertake or support any ad-hoc business projects as required including new product launches.
• Using effective questioning and listening skills to establish client and potential client needs.
• Maintaining accurate and relevant client records in accordance with the Bank’s procedures and data protection requirements. Assisting with all Anti Money Laundering requirements for a variety of client types.
• Working effectively with colleagues within Credit Risk, Client Operations, Financial Crime and other departments to provide exceptional client service and to meet the Bank’s objectives.
• Timeously completing mandatory eLearning and reading and any other assigned training.

Required skills, knowledge & experience:

• Preferably educated to a UK degree level or equivalent.
• Foundation awareness of how a bank operates and its commercial environment, as well as with issues likely to affect the Bank’s client base.
• A strong commitment to excellent client service and teamwork and a desire to develop their career within a progressive bank.
• Strong relationship building skills.
• Excellent interpersonal and communication skills (both written and oral).
• Good organisational and administrative skills
• Good knowledge of Microsoft Office applications.
• People leader experience is desirable.

JOB PURPOSE

The Senior Product Owner for Lending Products is responsible for the strategic ownership, development, governance and continuous improvement of the Bank’s non‑regulated lending propositions, including commercial lending, bespoke lending solutions and associate client journeys. The role ensures products deliver strong client outcomes, operate efficiently, manage risk effectively, and achieve sustainable commercial performance across their full lifecycle.

Operating within a regulated environment, the role is responsible for compliance with all relevant regulatory and governance requirements, including Consumer Duty, financial crime, and risk frameworks. Working cross-functionally, the Senior Product Owner translates strategic goals into clear product roadmaps, process enhancements, and scalable lending capabilities aligned to the Bank’s growth objectives.

MAIN RESPONSIBILITIES / KEY DUTIES

• Lead the development, enhancement and optimisation of lending propositions, operational processes, and digital capabilities.
• Ensure lending products remain competitive and commercially viable, operationally efficient and aligned to client and intermediary needs.
• Drive delivery of strategic, regulatory and technology change initiatives through RUN and Change projects through the appropriate governance frameworks.
• Oversee product governance activities including product approvals, product reviews, pricing changes, policy alignment and product withdrawal considerations.
• Monitor product performance through MI, client insight, pipeline performance, utilisation trends, complaints data, operational metrics and commercial performance measures.
• Partner closely with Credit Risk to ensure alignment between product design, underwriting appetite, portfolio performance, and operational execution.
• Support optimisation of onboarding, credit assessment, fulfilment, servicing and client management journeys to improve efficiency and client experience.
• Ensure supporting operational processes and controls, and systems remain robust, scalable, resilient and aligned to regulatory risk expectations.
• Manage relationships with third party providers, intermediaries, technology partners, legal suppliers, and operational vendors supporting lending activities.
• Support the Bank’s digital agenda through workflow optimisation, automation, data led decision making, and enhanced client servicing capability.
• Maintain training and competence (T&C) arrangements relevant to lending activities, ensuring colleagues involved in lending journeys maintain appropriate knowledge, capability and understanding of products, policy, conduct expectations and operational processes.
• Work in partnership with Compliance, Risk and operational leadership teams to support effective T&C frameworks, quality assurance activity, coaching outcomes and continuous improvement initiatives.
• Monitor conduct indicators, client outcomes, quality assurance findings, complaint trends, and operational risk events and identify training needs and drive improvements in colleague capability and client experience.
• Act as a senior subject matter expert for lending products across commercial, operational, conduct, client and governance.

REQUIRED QUALIFCATIONS, KNOWLEDGE, & SKILLS

• Requires strong commercial awareness, regulatory understanding, and stakeholder management capability.
• Experience operating within lending environments is essential.
• Ability to balance client outcomes, risk management, and operational effectiveness.
• Ensures colleague competence while supporting delivery across teams.
• Aligns delivery with strategic growth objectives.
• Influences and collaborates effectively across multidisciplinary teams.

Job Purpose

The Senior Product Owner for Mortgages & Regulated Lending is responsible for the strategic ownership, development, governance and continuous improvement of the Bank’s mortgage and regulated lending propositions, including regulated lending products and associate client journeys. The role ensures products and services deliver strong client outcomes, regulatory compliance, operational efficiency and sustainable commercial performance across the full product design lifecycle.

Operating within a regulated banking environment, the role ensures adherence to all applicable regulatory obligations, including MCOB, Consumer Duty affordability and vulnerability expectations, training and competence (T&C) requirements, financial crime obligations, complaints handling standards and conduct risk frameworks. Working cross-functionally, the Senior Product Owner translates strategic goals into clear product roadmaps, process enhancements, and scalable lending capabilities aligned to the Bank’s growth objectives.

Key responsibilities:

• Own the strategic roadmap for mortgage and regulated lending products and associated client journeys.
• Lead the design enhancement and optimisation of lending propositions, processes and digital capabilities.
• Ensure products and lending journeys deliver fair value, good client outcomes and appropriate client support throughout the lifecycle.
• Drive delivery of regulatory, operational and strategic change initiatives through agile and governance frameworks.
• Oversee product governance activities including new product approvals, product reviews, pricing changes, policy alignment and product withdrawal considerations.
• Monitor product performance through MI, customer insight, arrears trends, complaints data, conduct indicators, operational metrics, and commercial performance measures.
• Partner with Credit Risk and underwriting to ensure alignment between risk appetite, lending policy, operational execution and customer experience.
• Support optimisation of onboarding, affordability assessment, servicing, retention, and collections processes to improve efficiency and client outcomes.
• Ensure operational processes and supporting systems remain robust, scalable, resilient and compliant with regulatory expectations.
• Manage relationships with third party providers, intermediaries, valuation partners, legal suppliers and technology vendors supporting the lending proposition.
• Support the Bank’s technology and digital agenda through automation, workflow optimisation, and improved client self service capability.
• Maintain oversight of Training and Competence (T&C) arrangements relevant to regulated lending activities, ensuring colleagues operating within mortgage and lending journeys maintain appropriate accreditation and regulatory competence.
• Work in partnership with Compliance, Risk and operational leadership teams to effectively support T&C frameworks, quality assurance activity, coaching outcomes and continuous improvement initiatives.
• Monitor conduct, client outcomes, quality assurance findings, complaints trends and regulatory developments to identify training needs and drive enhancements to colleague capability and client experience.
• Act as a senior subject matter expert for mortgage and regulated lending products across regulatory, operational, conduct, customer and competency dimensions.

Required skills, knowledge & experience:

• Requires strong commercial awareness, regulatory understanding, and stakeholder management capability.
• Experience operating within regulated lending environments is essential.
• Ability to balance client outcomes, risk management, and operational effectiveness.
• Ensures colleague competence while supporting delivery across teams.
• Aligns delivery with strategic growth objectives.
• Influences and collaborates effectively across multidisciplinary teams.