Compliance and Risk Officer Apprentice (Finclusion Limited)

The Compliance Officer will support the business in ensuring it meets its regulatory obligations under the FCA’s consumer credit regime and other applicable legislation. The role involves day-to-day monitoring, oversight, and reporting activity to help maintain a culture of compliance and effective risk management across Finclusion Ltd. This is a hands-on role suited to an individual with strong attention to detail and a proactive approach to regulatory compliance in a customer-focused lending business.

Key Responsibilities

Regulatory Compliance

Assist in ensuring ongoing compliance with FCA rules, including CONC and the Consumer Duty Monitor regulatory developments and maintain up-to-date awareness of FCA expectations Support with regulatory reporting and data submissions, and maintain compliance registers Log, track, and escalate any breaches, complaints, or regulatory issues

Monitoring & Oversight

Conduct regular compliance monitoring in line with the compliance monitoring plan Support root cause analysis of any customer complaints, process failures or breaches Work with operational teams to ensure actions are implemented and embedded

Policies, Procedures & Controls

Maintain and review internal policies and procedures to ensure alignment with FCA rules and Finclusion’s risk appetite Assist in drafting new policies and updating existing ones as required Ensure documentation is well-maintained, version-controlled, and consistently applied

Training & Awareness

Support the delivery of compliance and conduct training to staff across the business Help maintain training records and ensure individuals meet relevant competency requirements under the Senior Managers & Certification Regime (SMCR)

Risk Management Support

Work with the CEO to support Finclusion’s approach to operational, conduct, and regulatory risks Assist in identifying new and emerging risks and capturing them in the firm’s risk register

Financial Promotions & Customer Communications

Support the review of marketing materials and customer-facing documentation to ensure regulatory compliance and fair treatment of customers Ensure that communications meet the requirements of the Consumer Duty, particularly the requirement to deliver clear, fair and not misleading outcomes

Training Outcome:

Early stage company so opportunity to grow with the business taking on increased responsibility around financial crime prevention and credit risk ultimately becoming Chief Risk Officer.

Employer Description:
At Finclusion, we empower individuals and families with economic opportunity, connectedness and the freedom to choose where they live and work. We believe that credit is more than money, it can be a lifeline offering stability to those that would otherwise be locked out of the financial system. We deliver fast, transparent lending solutions that empower customers and support dealers in getting more financially excluded customers into safe, reliable cars. We are - Driven to Include.

Working Hours :
Monday to Friday. Shifts to be confirmed.

Skills:
Organisation skills,Team working,Written communication skills,Familiarity with FCA rules,Ability to work independently,High level of integrity,Professional ethics