Compliance Officer (2 to 4 years\' experience, hybrid role) in City of London

LiveMore is a specialist later life mortgage lender dedicated to challenging unfair NOs in the mortgage market. Our mission is to help more people say YES to affordable borrowing, empowering mortgage brokers and supporting customers to live more fully. We offer mortgages ‘up to’, ‘into’, and ‘in’ retirement—serving customers and brokers where others won’t.

LiveMore stands out as a forward-thinking and dynamic organisation with clear ambitions for growth and innovation. In recognition of our progress, we were proudly named in June 2025 as one of the Top 100 Fastest Growing Companies in the UK by the Business Leaders 500. This achievement is a testament to our vision and the dedication of our talented teams. We firmly believe that our people are the driving force behind our success, which is why we invest in our colleagues across both our central London headquarter and our office in Glasgow. By fostering a collaborative and high-performing environment, we continue to reach new milestones together.

Our Compliance team is expanding and you’ll report directly to the Head of Compliance. This is a fantastic opportunity to grow your career, learn, and make a real difference in a business that’s going places. The position offers clear potential for progression, enabling you to develop your skills and advance through increasing levels of seniority as you demonstrate success and commitment within the business.

We live by four core behaviours that shape our culture and guide our success:

• Commitment – going the extra mile for brokers, customers, and colleagues.
• Agility – adapting quickly, embracing innovation, and staying ahead in a dynamic market.
• Humility – valuing collaboration, listening actively, and learning continuously.
• Openness – communicating transparently and welcoming diverse perspectives.

If these behaviours resonate with you, you’ll thrive here.

The role involves working closely with the Head of Compliance, based in either London or Glasgow, as part of a small, collaborative team. Your ability to work effectively with colleagues is paramount. The role also involves cross-functional tasks, requiring you to engage with different departments and adapt to a variety of business needs. You will ensure robust compliance management to a high standard. As a young and fast-evolving business, the role is dynamic and involves regular evolution, testing, and feedback. This position is particularly attractive due to its broad scope of responsibilities, offering excellent opportunities for personal and professional growth as you gain exposure to a wide range of business activities and challenges.

We are looking for someone commercially minded, who can balance regulatory obligations with practical business considerations, ensuring compliance supports growth and customer outcomes.

Responsibilities

• Deliver compliance monitoring and quality assurance across key business areas, including Mortgage Advice, Underwriting, and the outsourced loan servicer, and maintain the compliance events diary, with findings reported and tracked to resolution.
• Manage and investigate financial-crime referrals, including review of PEP, sanctions, and higher-risk cases, and provide cover for escalation when the Head of Compliance is unavailable.
• Provide clear, pragmatic compliance advice and guidance to business areas, supporting informed decision-making while maintaining regulatory standards.
• Prepare, maintain, and contribute to committee packs and governance reporting, including clear MI, emerging risks, and recommended actions.
• Support and monitor the firm’s implementation and ongoing compliance with the Consumer Duty, providing assurance that processes, behaviours, and outcomes remain aligned with regulatory expectations.
• Coordinate policy and procedure reviews, chasing annual updates and supporting the delivery and tracking of mandatory compliance training.
• Provide AML/CTF support to the MLRO, including case reviews, MI, and assistance with regulatory submissions where required.
• Assist with compliance reporting to senior management, highlighting key risks, themes, and remediation progress.
• Assist with regulatory horizon scanning, assessing the impact of upcoming regulatory changes and communicating relevant developments to stakeholders.
• Actively promote a strong conduct and compliance culture, reinforcing accountability and behaviours consistent with LiveMore’s values.

Experience and Competencies

• 2-4 years experience in a compliance role within an FCA-regulated mortgage lender or closely aligned financial-services firm.
• CeMAP-qualified (or equivalent mortgage compliance qualification).
• Strong working knowledge of the FCA regulatory framework, with particular emphasis on MCOB, DISP, SYSC, GDPR, and Financial Crime requirements.
• Sound understanding of mortgage advice and distribution models, from a compliance and conduct-risk perspective.
• Experience working cross-functionally across sales, marketing, and operations, providing compliance input throughout the product and customer lifecycle.
• Demonstrable capability in compliance monitoring, oversight, MI production, and regulatory reporting.
• Ability to investigate and manage complaints, conduct issues, and financial-crime referrals, including root-cause analysis and remedial actions.
• Strong commercial awareness, with the ability to deliver pragmatic, proportionate compliance advice that supports business objectives while meeting regulatory expectations.

Benefits

• 30 days holiday plus bank holidays
• Health cash plan
• Growth Shares
• Salary Sacrifice pension scheme
• Employee assistance programme
• A supportive and collaborative working environment with a Wellbeing Calendar focused on supporting mental, physical and financial wellbeing
• Structured quarterly career planning meetings with your Line Manager to support you with opportunities for professional development and promotion