Risk Manager

Moneybox

. Establish and operate MBSCL’s independent Compliance function as it progresses through FCA authorisation .

Posted 10/5/2026full-timeLondon • United KingdomMid-LevelSeniorWebsite

Core Competencies

Role fit

Core Competencies

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Demonstrates expertise in establishing and operating compliance functions within FCA-regulated environments, with a strong focus on risk management frameworks, compliance oversight, and regulatory engagement. Proficient in producing risk management information and conducting assessments that meet Board and regulatory standards.

Highest-signal resume keywords

FCA Compliance OversightRisk Management Framework ImplementationOperational Resilience KnowledgeRisk Reporting and MI ProductionRecognised Risk Qualification

ATS Keywords

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Applicant Tracking System Keywords

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Hard Skills

Risk TaxonomyRisk Appetite DevelopmentKey Risk Indicators (KRIs)Risk Control Self-Assessments (RCSAs)Risk Event ManagementFCA Prudential Regime KnowledgeConduct Risk AssessmentAI and Model Risk ExperienceScenario AnalysisStress Testing

Soft Skills

Clear CommunicationStakeholder EngagementAnalytical ThinkingProblem SolvingTraining and Awareness Building

Tools & Technologies

Governance ToolsRisk Management SoftwareCompliance Management SystemsData Analysis ToolsBusiness Continuity Planning Tools

Certifications & Qualifications

IRM CertificateDiploma in Enterprise Risk Management

Industry Keywords

FCA RegulationInvestment Firm ComplianceWealth ManagementFintech Risk ManagementOperational Resilience (SYSC 15A)Outsourcing and Third-Party Risk (SYSC 8)Consumer DutyCOBSSM&CRFinancial Crime Oversight

About the role

Key responsibilities & impact

Establish and operate MBSCL’s independent Compliance function as it progresses through FCA authorisation
Hold the SMF16 Compliance Oversight and SMF17 Money Laundering Reporting Officer functions for MBSCL
Report to the MBSCL SMF1, with direct accountability to the MBSCL Board and a dotted line to the Moneybox Group VP of Risk and Compliance
Oversee the intra-group agreement with Digital Moneybox Limited and provide compliance advisory support to the advice business
Implement MBSCL’s risk management framework, adapting taxonomy, policies, governance and tooling for an advice business
Develop and maintain risk appetite statements, tolerances and KRIs with the executive and Board
Support risk and control self-assessments and independently challenge results
Design and embed go-live controls for the advice journey and AI advice engine
Lead capital and liquidity adequacy assessments, wind-down planning, scenario analysis and stress testing
Provide independent oversight across conduct, operational, financial, model and AI, data and third-party risks
Produce risk management information for the Board, Advice Oversight Committee and executive
Establish and run risk event, incident and breach processes, including root-cause analysis and remediation tracking
Design and deliver second-line control testing and assurance plans
Oversee operational resilience and business continuity
Assess and challenge risks from dependencies on DML and other third parties
Provide second-line risk opinions on new propositions, advice engine and House Rules changes
Support Board, committee and FCA engagement and build risk awareness through training and business partnering
In the first six to twelve months, stand up the compliance function, establish DML oversight and build relationships with co-sourced financial crime and outsourced internal audit providers

Requirements

What you’ll need

Substantial experience in a second line risk role within an FCA-regulated investment, wealth, platform or fintech firm
Hands-on experience implementing or running a risk management framework, including risk taxonomy, risk appetite, KRIs, RCSAs, risk event management and risk reporting
Working knowledge of the FCA prudential regime for exempt CAD firms, including the wind down process, own funds and liquid assets requirements
Working knowledge of operational resilience (SYSC 15A) and outsourcing and third-party risk (SYSC 8)
Understanding of the FCA conduct framework (Consumer Duty, COBS, SM&CR) sufficient to assess conduct risk in an advice context
Experience supporting a new regulated service launch, an FCA authorisation or similar build environment is highly desirable
Technology, platform or model risk experience, including automated or AI-driven decisioning, is beneficial but not essential
Experience of group structures, including relying on or overseeing a group supplier, is advantageous
Ability to produce clear risk MI and papers that stand up to Board and regulator scrutiny
Recognised risk qualification, such as an IRM Certificate or Diploma in Enterprise Risk Management, is desirable
Ability to work within the UK
No visa sponsorship is available; overseas applications cannot be considered
Satisfactory pre-employment checks, including criminal record and adverse credit history checks

Benefits

Comp & perks

Company pension scheme
Company bonus scheme
Hybrid working environment
Home office furniture allowance
Personal Annual Learning and Development budget
Private Medical Insurance
Health Cash Plan - cashback on everyday healthcare like dental and opticians
Cycle to work scheme - spread the cost of a new bike and accessories
CycleSaver - save on bike-share subscriptions and have a more sustainable commute
Wellhub subscription to a variety of gyms and wellbeing apps
Enhanced parental pay & leave
25 days holiday + bank holidays with additional days added with length of service
Opportunity to join a fast-growing, award-winning and ambitious startup
Collaborative and inclusive company culture