A specialist recruitment consultancy operating within Compliance, Credit Risk & Analytics, Customer Contact, Finance & Audit, ​Financial Crime & Fraud, Procurement and Risk Management

Head of Claims Fraud

East Sussex

£100,000 + Excellent Benefits

Our client, a leading insurance provider, is looking for a Head of Claims Fraud to join the business in this senior leadership role to provide the ownership of the claims fraud defence strategy, process and operation. You will need to utilise your expert claims knowledge, coupled with technology, analytics and industry data to identify and remedy all types of claims fraud, as well as demonstrating the impact that counter fraud initiatives have on peril spend and loss ratio. Key responsibilities include: Oversee the businesses functions and operations of c.120 colleagues & 4 direct reports across two locations Implement an analytical approach to claims fraud identification, utilising current and new technologies to identify all instances of fraud Continually strive to evolving our claims fraud defence tactics to stay ahead of the competition and fraudsters, with specific peril led strategies Working with both internal and external stakeholders to build a proactive fraud avoidance strategy, to reduce fraud frequency Development of a market leading Credit Hire fraud defence capability, including skills and technology / data enhancement Leadership of the claims fraud defence operation to repudiations of c.£52m (in 2020) Maintain strong and effective relationships with the special investigations unit to optimise the effectiveness of systems and tools The Person: Effective communication, verbal, written and presentation abilities Demonstrated willingness to be flexible and adaptable to changing priorities Showing integrity, fairness and consistency in decision making Qualifications/Key Skills: Essential: Highly analytical, using data to deliver fraud defence tactics Understanding of how fraud impacts the insurance industry, with in depth knowledge claims fraud Delivery of excellent customer service through large operational teams Strong leadership and operations management Ability to deliver through others (team and stakeholders) An entrepreneurial mind-set and the desire to make a difference Proven ability to interact efficiently with other teams Desirable: In depth knowledge of claims counter fraud systems Thorough understanding of the end to end claims management journey Please note, should you not receive feedback 28 days, unfortunately your application has been unsuccessful. However, we may be in touch with similar relevant opportunities.

Accounts Assistant

Nelson

Up to £21,000 pa

A fantastic role has become available for an enthusiastic, hands on Accounts Assistant to join an enviable, multi-national business that is constantly evolving, based in Nelson. Due to continued success, this business needs an all rounded and ambitious individual to help support the business on aspects of Purchase Ledger, Sales Ledger as well as month end. Key Responsibilities: Timely and accurate processing of purchase invoices onto SAP for all aspects of the business. Preparation of weekly payment runs, and ensuring supplier payments are processed to credit terms. End to end process of ensuring there are PO’s on SAP for invoices and that invoices are only processed if the PO’s have been authorised and receipted. Management of company expense process, ensuring adherence to the company policy. Monthly management and updates on fixed asset register. Support Finance Manager in preparation of the month end board pack where required. Key Requirements: Must have previous experience in a similar capacity and an eagerness to learn Must have solid Transactional finance experience, mainly in Accounts Payable Excellent attention to detail with a hands on approach Detail orientated and able to think outside the box. This is an excellent opportunity for an ambitious individual with a desire to succeed in an environment where opportunities are endless. In return, you will be supported by the senior managers for your personal development.

Management Accountant

Nelson

£35,000 - £40,000 pa

MERJE Ltd are recruiting a fantastic Management Accountant position for an exciting business based in Nelson. Working closely with the Finance Manager, this is a great opportunity for an experienced individual to join a growing business. Key Responsibilities: Working closely with Finance Manager to provide monthly reports. Review and challenge project and operational Preparation of annual budgets and forecasts Presentation of financial analysis and KPIs at monthly Leadership meetings to support monitoring and enhancement of performance Review resourcing plans, utilisation and revenue forecasts, highlighting and challenging areas of concern to improve performance Management of regional costs Preparing financial and project reports and presentations when required Monthly sales reporting Compilation of any ad hoc reports and information requests Meeting financial deadlines for your region Key Requirements: Must have experience working in a similar role My client will consider those still studying/ qualified or QBE You must have experience of working on SAP You will be very analytical with demonstrable experience of challenging numbers. Confident and able to communicate on all levels including senior stakeholders his is an excellent opportunity for a driven professional to progress their career in a leading organisation. In return, you will have great exposure working with a dynamic team, have autonomy and responsibility in your role with opportunities to progress longer term.

Compliance Officer - Consumer Credit / Insurance

London

£28,000 - £30,000

Job Description: Large car dealership offering car finance and insurance from an FCA regulatory perspective. Responsibilities: Ensuring the procedures and policies of the company are up to date, appropriate and in line with the regulatory and legal requirements, i.e. FCA (consumer credit, insurance), Data Protection and Consumer Rights Law. Auditing departments and procedures to ensure company policy is being adhered to Identification of risk and putting in place preventative measures Escalating high level complaints Advise the business on regulatory requirements Monitoring compliance processes and procedures when required Ensure an appropriate level of compliance knowledge is within the firm through updating staff, training etc. Key Competencies: Excellent communication skills Compliance experience – preferably within consumer credit / insurance Good organisational skills Methodical with excellent attention to detail Strong decision making ability

Head of Application Fraud

East Sussex

£100,000 + Excellent Benefits

Our client, a leading insurance provider, is looking for a Head of Application Fraud to join the business in this senior leadership role to provide the ownership of the application fraud defence strategy, process and operation. Working with technology & data analytics to detect and remedy fraud on an ‘individual opportunistic’ level and on a ‘deliberate organised crime’ level. To optimise commercial benefit, including; maximising additional fee and premium income at new business and renewal; removal of poor risk from cover; minimising downstream indemnity spend and loss ratio impacts of retaining poor risk on cover Key responsibilities include: Oversee the businesses functions and operations of c.160 colleagues & 5 direct reports across multiple locations Implement an analytical approach to policy validation to ensure we identify and act on all instances of incorrect information being used at policy inception and renewal Provide strong leadership of the application fraud defence operation in order to deliver additional premium and fee income of c£11m (in 2020) Minimise business exposure to ghost broking, working with industry on preventative measures and working with data and colleagues internally to identify and remove ghost broker policies Continuous development of tactics to stay ahead of fraudster behaviour and maximise business revenue / minimise claims risk Maintain strong and effective relationships with the special investigations unit to optimise the effectiveness of systems and tools The Person: Effective communication, verbal, written and presentation abilities Demonstrated willingness to be flexible and adaptable to changing priorities Showing integrity, fairness and consistency in decision making Qualifications/Key Skills: Essential: Highly analytical, using data to deliver fraud defence tactics Understanding of how fraud impacts the insurance industry, with in depth knowledge of Ghost broking and strategies to prevent / detect defence breaches Delivery of excellent customer service through large operational teams Strong leadership and operations management Ability to deliver through others (team and stakeholders) An entrepreneurial mind-set and the desire to make a difference Proven ability to interact efficiently with other teams Desirable: In depth knowledge of application counter fraud systems Thorough understanding of the end to end quote to sale journey Please note, should you not receive feedback 28 days, unfortunately your application has been unsuccessful. However, we may be in touch with similar relevant opportunities.

Financial Controller

London

£50,000 - £60,000

Job Description: The Client - Our client is an independent not for profit private company established to increase public sector investment in energy efficiency technologies. The business is funded by the government and works with public sector bodies throughout the UK helping them to make progress towards achieving their carbon reduction targets. As the Financial Controller, the main responsibility is to oversee the operational running of the finance department including the day to day transactional activities and to provide technical and business support to staff, the Head of Finance & other members of the senior management team. Role involves managing a team of 3/4. Duties: Accounting Operations Management of accounts payable/receivable functions including expenses. Management of the company’s loan programmes including payments and repayments. Overseeing payroll, including pension submissions. Responsible for VAT returns and other HMRC submissions. Financial Management Preparation of detailed administration cost budget and monthly forecasts working closely with departmental managers. Preparation of monthly management accounts including balance sheet. Management of monthly cash flow and forecasts including regular review of the Company’s treasury arrangements. Management of funding claims to external funders. Annual Financial Statements and External Audit Preparation of annual financial statements and management of the external audit process. Oversee preparation and submission of the Company’s corporation tax return by company’s external tax consultants. Other Responsible for establishing internal controls over accounting and financial processes and implementing improvements where necessary. Lead on the development of new systems and controls as the business grows. Management of third party relations with bankers, key suppliers and collection bureau. Preparation of ad-hoc reports including reports for the Company’s funders. Key Requirements- Qualified accountant with strong technical background Strong numerical and analytical skills Understanding of company law and regulation

Dialler Manager

Manchester

£35,000 - £40,000

Job Description: My client is looking for a Dialler Manager who will be responsible for the end to end process of creating, maintaining and maximizing the dialler within telephony operations. This includes the running of campaigns, agent availability, blending in and outbound and maintaining appropriate cover to maximize the ability of the dialler. Responsibilities Manage the day to day running of the dialler Optimize the new technology Help remove the dependency on the current telephony platform Ensure forecasts, schedules and real time support for the Contact Centre’s in Customer Intake to appropriately manage the dialler across all business hours Build and change campaigns Create bespoke agent productivity reporting via daily dashboards Produce and analyse dialler management information (daily/weekly/monthly) and ensure the MI is accurate and timely Produce ad-hoc reporting as and when required Proactively identify performance challenges and propose remedial action Work with the dialler supplier to ensure complete optimisation of dialler functionality as well as best use of data provided Ensure that all processes and procedural documentation is kept in good working order to ensure that faults are reported and system down time is kept to a minimum Ensure campaigns are compliant and meet all regulatory requirements, including but not limited to OFCOM, DPA Own the MI and reporting to advise how the dialler is working and real time changes required Support in providing real time, weekly, and monthly reporting for the business to understand resource planning effectiveness Skills & Experience Previous Dialler Campaign Management experience essential Proven experience of capacity/resource planning Statistical, problem solving and analytic skills Accuracy and attention to detail Strong organisational and time management skills Ability to communicate in a professional and effective manner at all levels in the business An analytical and strategic thinker Excellent team player with strong influencing skills Ability to work under pressure Excellent understanding of Microsoft, inclusive of Word, PowerPoint, Outlook Strong Excel skills Good understanding of OFCOM, FCA and other Regulatory Bodies Experience of SAS, SQL - desirable

Head of Credit Risk

Altrincham

£80,000 - £115,000

MERJE is looking for a Head of Credit Risk to join an established FS company to provide leadership and direction as well as support in reviewing and implementing the business strategy to ensure the effective management of credit risk within Retail Mortgages. You will be joining a specialist bank that provides personal and business financial products and solutions across a range of markets in the UK – homeowners, SMEs, landlords, etc. This company is unable to provide sponsorship Key Responsibilities of the Head of Credit Risk: Investigate and deliver new Mortgages products or initiatives to support business strategy Undertake strategic analysis of the portfolio, summarising results/conclusions and making recommendations Support with development of portfolio management strategies based on regular portfolio monitoring, reporting and analysis Liaise with the model analytics team to manage the development and delivery of automated decisioning models for Retail Mortgages Review, challenge and provide recommendations of current credit risk controls, processes, documentation, etc. Ideal knowledge and experience for the Head of Credit Risk role: In depth knowledge of the Residential & Private Rental Sector mortgage markets in the UK Experience of delivering continuous improvement within a credit risk environment Excellent organisational and time management skills First class engagement, communication, stakeholder management and influencing skills Please note, should feedback not be received within 28 days due to the large volume of applications, unfortunately your application has been unsuccessful. However, we may be in touch with similar relevant opportunities.

Head of Credit Risk

Manchester

£80,000 - £115,000

MERJE is looking for a Head of Credit Risk to join an established FS company to provide leadership and direction as well as support in reviewing and implementing the business strategy to ensure the effective management of credit risk within Retail Mortgages. You will be joining a specialist bank that provides personal and business financial products and solutions across a range of markets in the UK – homeowners, SMEs, landlords, etc. This company is unable to provide sponsorship Key Responsibilities of the Head of Credit Risk: Investigate and deliver new Mortgages products or initiatives to support business strategy Undertake strategic analysis of the portfolio, summarising results/conclusions and making recommendations Support with development of portfolio management strategies based on regular portfolio monitoring, reporting and analysis Liaise with the model analytics team to manage the development and delivery of automated decisioning models for Retail Mortgages Review, challenge and provide recommendations of current credit risk controls, processes, documentation, etc. Ideal knowledge and experience for the Head of Credit Risk role: In depth knowledge of the Residential & Private Rental Sector mortgage markets in the UK Experience of delivering continuous improvement within a credit risk environment Excellent organisational and time management skills First class engagement, communication, stakeholder management and influencing skills Please note, should feedback not be received within 28 days due to the large volume of applications, unfortunately your application has been unsuccessful. However, we may be in touch with similar relevant opportunities.

Regulatory Reporting Manager

Manchester

Up to £70k plus Benefits

MERJE are delighted to be working with one of the UK’s leading Investment Firms. Supporting the Head of CASS & Regulatory Reporting the Regulatory Reporting Manager will be responsible for the oversight of all Prudential reporting in compliance with all aspects of regulatory reporting. Taking ownership of Regulatory / Prudential reporting including CO-REP, FIN-REP, you will be supervising treasury back office and reviewing trade reconciliations to ensuring compliance with regulatory & treasury limits, taking ownership of the ICAAP process of the firm and presenting to the Board Being a subject matter expert for Prudential/Regulatory requirements you will have demonstrable experience ideally gained within an Investment or Banking Environment. With advanced Excel skills and numeric ability with strong Financial reporting and analysis experience you will have advanced problem solving skills and the ability to perform route cause analysis. Importantly you will have excellent interpersonal skills with the gravitas to operate up to board level with both internal colleagues and external advisers. Please note, should feedback not be received within 28 days due to the large volume of applications, unfortunately your application has been unsuccessful. However, we may be in touch with similar relevant opportunities.

Risk & Compliance Director – Consumer Credit

Wiltshire

£100,000 - £110,000

Job Description: The primary purpose of this role is to ensure the business operates in accordance with all Legal and Regulatory requirements. This key hire will work closely with the Exec in regards to the day to day business activities. Key responsibilities include: Working closely with other members of the Exco to deliver the Corporate Plan and in the development of the Company Strategy Develop, implement and review appropriate strategies for the Risk & Compliance function Develop, implement and review the Compliance Monitoring Plan Identify and interpret key developments in regulation and legislation and ensure it is clear how these will impact the business Work with the senior management team to review the risks identified at strategic and operational levels and ensure all identified risks are being managed appropriately Establish a team in Operational Risk and Compliance who are well skilled, motivated and of the highest integrity Support the business in the design of new products / markets Perform the role of MLRO for the business Form effective relationships with the key regulators for the business (FCA and FOS) Ensure Exco is informed about and understands the company’s GDPR compliance risk in line with Exco’s accountability for data protection – including holding the role of the Data Protection Officer for the company The Person Experience from consumer credit / lending markets People Management and good leadership skills More than 5 years’ experience in running Operational Risk and Compliance functions in a financial services organisation Previous approved person experience would be desirable Previous experience of engaging with the FCA Strong stakeholder management skills

Financial Crime & Risk Analyst

Derbyshire

£28,000 + Excellent benefits

Our clients are looking for a Financial Crime & Risk Analyst to support the FC function manage and reduce the risk of financial crime being committed by customers, advisers or firms by appropriate activity. Suitable candidates will also have strong previous experience of undertaking a risk, fraud or financial crime related role within a FCA regulated business. Experience in investigative interviewing and presenting would be beneficial. Key responsibilities include: Conduct investigations including potential financial crime cases, as required by the business Produce reports on investigations Liaise with the Risk & Resolutions Manager on risk and financial crime related issues with advisers and AR firms Be a point of contact for advisers, firms, lenders, providers and authorities to answer queries and make reports on financial crime related issues and cases Develop and maintain relevant Management Information on financial crime and related risks for the Compliance team and others Able to confidently present to advisers and firms to improve fraud awareness and reduce the risk of financial crime Identify areas for improvement to reduce the risk of financial crime and recommend changes to procedures and standards where appropriate Assess regulatory, business model, environmental and other changes and recommend appropriate actions and solutions Design and update financial crime related material published by the business Assist R&R Manager with other projects/tasks as required/agreed The Person: Effective communication, verbal, written and presentation abilities Demonstrated willingness to be flexible and adaptable to changing priorities Qualifications/Key Skills: Effective interviewing skills and the ability to write high quality reports Analytical, critical reasoning and decision-making skills Proven expertise and experience of risk, fraud prevention and financial crime investigation within a regulated environment Previous exposure to and understanding of anti-financial crime systems & controls The ability to build strong relationships within the business’s distribution including the key Third Party Supplier contacts Meticulous attention to detail in all aspects of work Proven ability to work effectively both independently and in a team-based environment working towards tight deadlines Strong multi-tasking and organisational skills An excellent working knowledge of Excel, Word and PowerPoint Desirable: Previous experience of conducting investigations would be highly advantageous Professional qualifications regarding Financial Crime, AML or Risk Any Mortgage/Insurance Advice e.g. CF1/CF6 Please note, should you not receive feedback 28 days, unfortunately your application has been unsuccessful. However, we may be in touch with similar relevant opportunities.

Regulatory Reporting Manager

Leeds

Up to £70k plus Benefits

MERJE are delighted to be working with one of the UK’s leading Investment Firms. Supporting the Head of CASS & Regulatory Reporting the Regulatory Reporting Manager will be responsible for the oversight of all Prudential reporting in compliance with all aspects of regulatory reporting. Taking ownership of Regulatory / Prudential reporting including CO-REP, FIN-REP, you will be supervising treasury back office and reviewing trade reconciliations to ensuring compliance with regulatory & treasury limits, taking ownership of the ICAAP process of the firm and presenting to the Board Being a subject matter expert for Prudential/Regulatory requirements you will have demonstrable experience ideally gained within an Investment or Banking Environment. With advanced Excel skills and numeric ability with strong Financial reporting and analysis experience you will have advanced problem solving skills and the ability to perform route cause analysis. Importantly you will have excellent interpersonal skills with the gravitas to operate up to board level with both internal colleagues and external advisers. Please note, should feedback not be received within 28 days due to the large volume of applications, unfortunately your application has been unsuccessful. However, we may be in touch with similar relevant opportunities.

Senior Credit Risk Analyst- SQL, Power BI

Manchester

up to £450.00 per day

The Senior Credit Risk Analyst is responsible for providing comprehensive insight into loan book performance to support the optimisation of credit risk decisions. The role is also responsible for the segmentation and analysis of the portfolio to improve efficiency and automation, as well as supporting the development of IFRS9 reporting. Key responsibilities include: Production and ongoing enhancement of credit risk reporting and analysis, providing timely and accurate monthly and quarterly reports and updates to Risk committees. Provide analytical insights and make strategic recommendations across the credit risk life-cycle, reducing costs and improving customer outcomes. Development of Divisional data, reporting and analysis. Perform analysis to support credit risk strategy, policy and process development. Support development and monitoring of new products and strategies. The Person: Numerical degree, strong analytical skills and excellent attention to detail Experience in a credit risk environment A solid grounding in data analysis using quantitative analytic tools. Relevant coding experience (SQL and PowerBI) Strong understanding of the fundamental concepts of credit risk management Advanced Excel skills Please note, should you not receive feedback 28 days, unfortunately your application has been unsuccessful. However, we may be in touch with similar relevant opportunities.

Compliance Manager

Essex

£50,000 - £65,000

You will be supporting the Head of Compliance & Conduct in ensuring that the firm operates in accordance with its regulatory obligations, and in a way which puts the customer at the centre of its operations. You will be tasked to actively promote and advocate an effective compliance and consumer protection culture. Key Responsibilities: Assist the Head of Compliance & Conduct in the successful deployment of the approved Compliance Monitoring Plan, including contribution to the construction of the plan and the logistical planning of reviews Be a key contact and support as needed for the CRO in responses to Regulator queries and/or thematic reviews and projects Undertake appropriate first line oversight of the independent complaint handling procedures Recommend improvements to policy & procedure where identified as being appropriate Maintain an up-to-date knowledge of all relevant regulatory initiatives, rules, guidance, insight and current thinking. Recommend to the Head of Compliance & Conduct any enhanced monitoring resulting from any developments Assist the Head of Compliance & Conduct in the appropriate conduct risk assessment for change initiatives and product development initiatives as required Good knowledge and understanding of the FCA Handbook and PRA Rulebook, BCOBS, MCOB and SYSC, as well as knowledge or experience of Payment Services Regulations Provide practical and pragmatic support and guidance to the business in relation to regulatory matters Build & maintain relationship management with key business partners at senior level Analysis and summary of new and existing regulatory requirements to ensure that they are well-understood by the business Interpret and enhance the firm’s Conduct Risk MI Review and prepare summaries of regulatory change for the business, attend regular project meetings, based on your responsibilities as a Regulatory and Conduct Risk SME Develop, review and conduct Regulatory Training and Materials for the business Responsible for line management and development of Compliance officer The Person: The ideal candidate for this role would have strong knowledge of relevant FCA Handbooks including MCOBS, ICOBS and CONC. This candidate should be able to manage multiple stakeholders across different levels and functions. A candidate for this role must have a solid understanding of conduct risk and be able to champion the ideas and thoughts of their peers. On this topic, a successful compliant manager should also have strong people management skills. Applications are welcome from individuals with degree qualifications and/or relevant compliance qualifications. Please note, should feedback not be received within 28 days due to the large volume of applications, unfortunately your application has been unsuccessful. However, we may be in touch with similar relevant opportunities.