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 Title:           Senior Compliance Manager 

Contract:          Permanent (1.0)

Location:           Tonbridge

Responsible to: Head of Compliance & MLRO

Date:                August 2026

Overall Purpose

To manage the Compliance function and support the Head of Compliance & MLRO in delivering an effective, proportionate and risk-based compliance framework for Charity Bank. The role operates under delegated authority from the Head of Compliance, providing day-to-day management of the Compliance team and oversight of key conduct, financial promotions and operational risk matters, supporting the bank in meeting its regulatory obligations on an ongoing basis.

Provide professional regulatory advice to the business, helping to ensure that regulatory requirements and operational risk controls are monitored effectively.

 Dimensions of the role

• 2 x direct reports

 Key Contacts

 Internal:

• All staff

External:

• PRA; FCA; FSCS; FOS; HMRC;

• Bank of England; Companies House

• UK Finance and other industry bodies

• Auditors and legal advisors

• Law enforcement agencies

Other Requirements

• Occasional extended hours, as required

Key Accountabilities

Regulatory relationship: Act under delegated authority, from the Head of Compliance, as contact point for regulators and law enforcement, coordinating the flow of information and ensuring requests are responded to in a timely and appropriate manner. Support the preparation and submission of regulatory reports, monitoring the delivery and resulting action plans, reporting progress to the Head of Compliance.

Regulatory change: Monitor regulatory change, assess its impact on the bank, and assist in timely implementation of required changes.

Business support: Provide practical compliance advice to business areas on regulatory obligations, policies, procedures and process changes. Support the business in assessing conduct impacts, implementing compliant controls and preparing for regulatory visits or inspections.

Compliance Strategy: Assist in the development, maintenance and enhancement of the bank’s compliance strategy, ensuring regulatory change, financial promotions, complaints, product governance, operational risk events and related compliance risks are appropriately identified.

Monitoring/Conduct: Assist in delivering a risk-based compliance monitoring programme encompassing key processes, policies and procedures with material conduct, TCF or Consumer Duty risks. Report findings, agree proportionate remedial actions with the business and deliver improvements to support fair customer outcomes.

Training: Ensure appropriate arrangements are in place for all staff training on reviewing and supporting delivery of mandatory regulatory training across the bank.

External engagement: Act under delegated authority, regulatory engagement, specific information requests, regulatory visits and related action tracking.

Financial Promotions: Develop and oversee the Financial Promotions/Communications process with the Head of Communications, including review and sign-off of BCOM financial promotions where delegated. Monitor related processes to ensure they remain compliant and provide recommendations on approvals, changes or withdrawal of promotions where required.

Products: Review the Product Risk Framework and facilitate product risk reviews, including product performance, operational effectiveness, customer outcomes and compliance with regulatory requirements.

Policies, Procedures and Records: Maintain appropriate compliance records and ensure compliance-related policies and procedures are reviewed, updated and aligned to prevailing legal and regulatory standards.

Compliance reporting: Prepare and deliver accurate, timely and proportionate Compliance MI. Report key findings, emerging risks, breaches, control weaknesses and instances of non-compliance with policies, procedures or regulatory requirements to senior management and relevant governance forums, ensuring appropriate actions are tracked to completion.

Complaints oversight: Oversee monitoring of the complaints register and provide advice and guidance to business areas supporting timely, fair and appropriate responses to complainants on behalf of Charity Bank. Monitor complaint themes, root causes and actions, and escalate material issues or conduct risks where appropriate.

Senior Managers and Certification Regime and Code of Conduct: Support the bank’s ongoing compliance with the Senior Managers and Certification Regime and Conduct Rules.

PERSON PROFILE

Job Title: Senior Compliance Manager 

Experience - Essential

• Significant experience in compliance within a retail financial services environment, including managing compliance activities, prioritising workloads, overseeing deliverables and supporting colleagues or direct reports.

• Implementation of compliance monitoring programmes.

• Excellent knowledge of PRA/FCA rules and guidance, with experience of liaising effectively with regulators or supporting regulatory engagement.

• Understanding of the key risks and controls within the principal operational areas of a small bank.

• Previous experience reviewing or approving financial promotions within a regulated financial services environment.

• Experience of supporting the MLRO or financial crime oversight.

Experience - Desirable

•  Legal experience

• Understanding of the needs of, and issues facing the third sector

• Knowledge of the general tools and techniques of risk management

• Financial promotions approval.

• Economic Financial crime exposure.

Attainments - Essential

• Graduate calibre

• Industry qualifications

 Attainments - Desirable

Special Aptitudes - Essential

•  Further industry specific qualifications

•  Special Aptitudes

•  Ability to deliver good quality outcomes and supporting the compliance team, setting clear priorities and high professional standards.

• Sound judgement and decision-making skills, with the ability to assess regulatory risk, recommend proportionate solutions and work credibly with senior management, committees, regulators and other key stakeholders.

• Excellent presentation skills & effective verbal/written communication skills

• Good planning and delivery capability, with the ability to manage competing priorities, delegate appropriately and maintain oversight of key compliance deliverables.

• Ability to interpret legislation, regulation and regulatory guidance and translate requirements into practical business actions.

• Good influencing and challenge skills, with the confidence to provide compliance advice and escalate concerns where appropriate.

• High standards of accuracy, organisation and professional integrity.

• Persistence, an eye for detail and ability to complete projects and keep to deadlines.

Special Aptitudes - Desirable

• Good networking skills

  Disposition

• Good interpersonal skills

• Trustworthiness and confidentiality

• Support the principles of equality of opportunity, showing respect for diversity and difference.

• Values-led, with a strong commitment to the mission and values of Charity Bank.

• Able to provide constructive challenge to existing practices, where appropriate.

Thinking Style

• A high degree of personal integrity

• Flexible in style and approach, with the ability to adapt to new situations, changing priorities and evolving requirements.

• Analytical and proactive in identifying and resolving issues.

• Pragmatic and practical

• Tenacious and solutions-focused

• Numerically competent

• Data analytical

 Circumstances

•  Able to work occasional extended hours to meet business deadlines.