Compliance and Risk Officer

Genistar is one of the fastest growing financial services companies in the UK. We are dedicated to educating families about their financial choices. Genistar is a professional company regulated by the Financial Conduct Authority (FCA). We do not offer advice, but instead we offer education and guidance for individuals to make the right choices.

The Compliance & Risk Analyst supports Genistar’s Governance, Risk and Compliance (GRC) framework through high‑quality investigative support, MI reporting, data analysis and Field monitoring. The role enhances our regulatory oversight, conduct, supervision and fraud‑related risks, with a strong focus on Consumer Duty, sales conduct and customer outcomes. You will provide insight that enables effective decision‑making, early risk identification, and strong assurance to senior management and the Board.

Key Responsibilities

• Risk Monitoring & Control Support
• Interpret data to support the Compliance Monitoring Plan, including sampling and thematic reviews.
• Assist in identifying conduct, operational and emerging risks across representative and customer journeys.
• Liaise with Representative field liaison to gather insight information.
• Provide training and remediation support for Field members.
• Track key risk indicators (KRIs) linked to risk appetite, escalating breaches or concerning trends.
• Support third party investigation/review requests.
• Issue Management & Root‑Cause Support
• Analyse breach/incident patterns to identify themes and contributing factors.
• Provide statistical insights on materiality, frequency and potential regulatory impact.
• Support development and monitoring of action plans and remediation activity.
• Regulatory & Assurance Support
• Support preparation of risk and assurance reports.
• Assist in assessing adherence to internal policies, regulatory requirements and industry standards.
• Provide data for regulatory reporting, FCA requests, thematic reviews and Consumer Duty MI.
• Fraud & Misconduct Investigations
• Conduct investigations into potential misconduct, fraud, data manipulation or process failures.
• Perform pattern detection, outlier and behavioural analytics to identify high‑risk activity.
• Prepare clear investigation summaries including findings, evidence and recommended actions.
• Monitoring and Field Supervision
• Source, clean and validated data from multiple systems (CRM, policy data, complaints, training, commission data, activity logs).
• Work with IT and relevant teams to address data quality issues at root cause.
• Support Field with performance metric reviews and development requirements.
• Work with third parties to review contractual performance metrics.
• MI Reporting & Insight Generation
• Produce accurate, timely Compliance MI for Senior Management.
• Develop and maintain dashboards covering: Sales conduct indicators; Persistency and cancellation trends; Consumer Duty outcomes; Complaints and breach metrics; Representative performance and risk indicators; Training and competency data.
• Identify trends, exceptions and emerging risks and elevate appropriately.

Skills & Attributes

• Technical Skills
• Strong analytical skills; proficiency in Excel essential; SQL/Power BI desirable.
• Ability to interpret complex datasets and identify anomalies.
• Understanding of FCA frameworks including Consumer Duty, Conduct Risk, Financial Promotions, SYSC and complaints handling.
• Behavioural Skills
• High integrity and commitment to confidentiality.
• Strong attention to detail and accuracy.
• Curious, analytical mindset with strong problem‑solving capability.
• Clear communication skills, able to present findings to non‑technical audiences.
• Comfortable providing constructive challenge.
• Compliance Mindset
• Awareness of customer outcomes within a non‑advised model.
• Understanding of how data informs governance, culture, conduct and risk oversight.
• Sound judgement with appropriate escalation.

Experience & Qualifications

• Experience in compliance, risk, MI reporting or data analysis within financial services (protection/insurance desirable).
• Exposure to fraud or misconduct investigations beneficial.
• Working knowledge of FCA expectations and GRC frameworks.
• Risk or compliance‑related qualifications (or willingness to work towards them) advantageous.

Working Arrangements

Professional office environment in Caterham. Genistar is an equal opportunities employer. We welcome applications from all suitably qualified individuals and are committed to creating an inclusive environment for all employees.

Qualifications & Experience

• Essential
• Must be a team player but also demonstrate an ability to work on their own.
• Demonstrable evidence of experience working for a regulatory business.
• A clear understanding and ability to deal with information that is confidential in line with data protection laws.
• Excellent IT skills (MS Outlook, Word, Excel, PowerPoint).
• Assertive, polite and articulate with an excellent command of English.
• Ability to plan and organise tasks effectively to prioritise and manage time efficiently.
• A proactive individual who works well under pressure and consistently meets deadlines whilst handling multiple tasks.
• Ability to act on own initiative to resolve issues and identify areas for development.
• Displays a strong work ethic and demonstrates extra effort when required.
• Desirable
• While around 4-5 years of relevant experience provides helpful preparation for this role, we value diverse career paths and welcome applications from those who can demonstrate equivalent skills through alternative experience.
• Relevant experience working in a regulatory role for a similar business e.g. a background working for a general insurer, insurance broker, product provider or financial protection.
• R05 or ICA Certificate in Compliance.