Who is Charity Bank?

Charity Bank is a savings and loans bank with a mission to use money for good. We use the money our savers entrust to us to make loans to charities, social enterprises and organisations with charitable purposes. Our community of borrowers, savers, shareholders and staff are all working towards one goal – helping to create lasting social change in our communities. If you believe that banks have a vital role to play in creating a world, we all want to live in and you want to live your values at work, apply for this vacancy today.

Charity Bank Recruitment Process

At Charity Bank, we prioritise inclusion and fairness in our recruitment process. Our use of recruitment software helps mitigate unconscious bias by incorporating skill-based questions alongside CVs. Responses and CVs are anonymised and reviewed in random order by our hiring team to ensure an equal chance for all candidates, regardless of background. Demographic questions are strictly for statistical purposes, ensuring a balanced candidate pool. Opting out of these questions is an option.

The use of AI tools (e.g., ChatGPT or similar) is permitted in the application process. However, we advise against copying and pasting answers from AI tools, as this often results in generic responses. We encourage you to showcase your own experiences, voice, and style in your answers

We review all applications within two weeks after the closing date, so expect feedback shortly thereafter. If you require reasonable adjustments during the application process, please email us at recruitment@charitybank.org.

Disability Confident Scheme

Under the Equality Act 2010, a person with a disability is someone who has – or has had in the past – a physical or mental impairment which has a substantial and long-term adverse effect on that person’s ability to carry out normal day-to-day activities.

As an Equal Opportunities and Disability Confident Committed employer, we actively encourage applications from people who consider themselves to have a disability falling within this broad definition. To access the Disability Confident Scheme, as an applicant with a disability/long term health condition/mental health condition, you are simply required to:

• Show that you meet the essential criteria described in the person specification.

• Answer ‘yes’ to both the following questions on the Bank’s application form, ‘according to the definition of disability do you consider yourself to have a disability?’ and ‘do you wish to be considered under the Disability Confident Scheme?’

You are not required to share the name or nature of your condition; you are simply stating the fact that you have a disability or long-term health condition/mental health condition. If you do not answer ‘yes’, your application will not be considered under the Disability Confident Scheme.

Adjustments for the application process and interview can be made if needed, so please contact us at recruitment@charitybank.org if you require this.

We are keen to recruit from as diverse a talent pool of applicants as possible, so the scheme gives you not a guaranteed job offer but an opportunity to be fairly and equally assessed in interview along with other candidates who meet the criteria for the role.

Hiring managers do not automatically know the details of your condition(s), they are allowed only to ask what adjustments you may need before the interview or when you are in receipt of a job offer.

Be reassured that any adjustments you require will be treated in the strictest confidence and will not form part of any aspect of the assessment.

If a job offer is made to you, we will discuss with you any adjustments that you may need in the workplace to enable you to perform the duties required. These will not be discussed at the interview.

In your application, please ensure you demonstrate clearly how you meet the essential criteria.

If you have any questions about the process, please contact us recruitment@charitybank.org.

Four-Day Week with Full-Time Pay 

Charity Bank's Four-Day Week initiative, open to all employees from day one, champions work-life balance by providing four days of work with full-time pay. This innovative approach underscores productivity, equal compensation, and the creation of an inclusive workplace in line with Charity Bank's social mission. The 32-hour workweek typically spans four eight-hour days, offering flexibility to typically choose Friday or Monday as the day off. Days off are protected and treated like weekends, ensuring uninterrupted personal time. The arrangement is flexible, adapting to part-time employees on a pro rata basis. 

JOB PROFILE                    

Job Title:  Head of Regulatory Reporting

Contract: Permanent, Full Time

Location:  Tonbridge Head Office / Hybrid (possibility for Remote)

Responsible to: Treasurer

Direct Reports:  1 direct report

Date: Apr 2026

Overall Purpose of the Role:

As a key member of the Treasury team, the primary purpose of the role is the day-to-day management of regulatory reporting for Charity Bank, encompassing capital and structural returns (COREP, FINREP, PRA/FCA), liquidity returns (LCR, PRA110, ALMM), and IRRBB returns (FSA017, Basis Risk) and other regular and ad hoc regulatory reports.

Reporting into the Treasurer, the role holder will have responsibility for the preparation and submission of Charity Bank’s key regulatory returns. This will include interpreting and documenting relevant applicable regulation and translating regulatory rules (CRR, Basel 3.1 etc) into internal processes, in addition to holding responsibility for regulatory data lineage, controls and audit trails.

In addition, the role holder will be responsible for maintaining key Treasury systems and processes. This includes the running and maintenance of the ALMIS system to produce regulatory returns, as well as the production, monitoring and calibration of supporting metrics at Charity Bank. Supplemental responsibilities include owning and maintaining model governance documentation and undertaking audit and regulatory findings remediation.

The role holder will be a member of ALCO and required to present at relevant Board committees (e.g. RiskCo) when required. The role holder will also be required to engage with external stakeholders including regulatory supervisors, auditors and consultants during reviews or remediation work.

This role may involve cross-functional and cross-disciplinary activities (projects). The role holder will need to manage their time effectively and work on a number of separate tasks concurrently, prioritising activity in an appropriate manner.

The role holder will also liaise closely with the Finance and business team to ensure consistency of policies with regulatory reporting outputs. This may involve supporting ad hoc requests from the Treasurer and CFO.

There may be opportunities to support other aspects of the Treasury and Finance team’s work from time-to-time.

 Key Accountabilities:

Regulatory

•        Ensuring that the bank adheres to both regulatory and internal limits at all times.

•        Keep up to date with the ongoing regulatory changes, highlighting to management where appropriate.

•        Ensure internal and regulatory approaches are cohesive and consistent.

•        Ownership of the regulatory returns mentioned in ‘Overall Purpose of the Role’ above.

•        Maintaining processes and regulatory interpretation documentation.

•        Engaging in relevant audit, second line and regulatory reviews and leading on closing points raised.

 Systems, Models and Data

•        Responsible for the running and maintenance of the ALMIS system.

•        Ownership of model governance procedures and documentation.

•        Data sourcing and transformation/processing.

•        Leading impact assessments, defining data mapping and governance, ensuring regulatory intent is correctly reflected in systems (e.g. ALMIS, core banking platforms).

•        Oversight of daily, monthly and quarterly management information production e.g. daily cash, ALCo Pack etc.         

Other

•        Involvement in the annual budgeting cycle.

•        Involvement in the ICAAP and ILAAP cycles.

•        Other ad-hoc tasks.

 Key Contacts

Internally:

·        All members of the Finance and Treasury teams, including the CFO.

·        Executive Committee: Executive Director of Risk Management, Director of Risk and Compliance, Director of Operations and Savings, Director of Business Development and Director of Impact Lending

·        Other colleagues: Lending Services, Savings Team, IT, Risk, Change, Internal Audit

Externally:

·        Regulatory and Audit contacts

 Other Requirements:

·        Flexibility to work extended hours on occasion to meet critical delivery deadlines or regulatory reporting cycles.

PERSON PROFILE                           

Experience & Attainments

·        Working knowledge of treasury and regulatory practices relating to Financial Position, Capital and Liquidity reporting.

·        Graduate or equivalent experience.

·        Qualified accountant or Treasury/Risk Management qualification or similar.

·        Previous experience of FINREP/COREP reporting.

·        Experience in systems implementation and management (desirable).

·        Voluntary/Charity/Community Group financial experience (desirable).

·        Experience of writing Board Committee level papers/reports (desirable).

Skills

·        Advanced Excel skills.

·        Excellent written and oral communication skills.

·        Strong attention to detail.

·        High level of numerical and analytical skills.

·        Ability to interpret complex information and apply to a real-world business setting.

·        Comfortable manipulating and processing data.

·        Ability to prioritise workload and deliver to deadlines.

·        Programming languages e.g. SQL (desirable).

Knowledge

·        An in depth understanding of banking regulations and a willingness to keep up to date.

·        An understanding of data transformation, data platforms and cloud-first architecture (desirable).

Disposition

·        Self-starter.

·        Focused, methodical, organised, calm under pressure, questioning and deadline driven.

·        Aptitude for self-development and ongoing learning.

·        Personable and non-judgemental.

·        Punctual and reliable.

·        Discreet, confident and resilient.

·        Committed and enthusiastic to personal development and looking for opportunities to learn and develop others.

·        Excited and driven by the opportunity to work for a social impact-oriented organisation.

·        Logical, analytical mind set.

·        Ability to present various possible solutions to problems.

·        Organised and systematic in approach.

·        Confidence to challenge and question existing procedures and processes.

·        Creative and innovative - focused on automation/finding efficiencies and enacting them.