Compliance Monitoring Manager

We’re DF Capital – a specialist bank providing award-winning commercial finance, retail finance, and savings products to consumers and small businesses.

Based in Manchester, we serve thousands of customers across the UK and into Europe, supporting their ambitions with tailored financial solutions.

We help our customers realise their ambitions by doing things differently – combining the agility and innovation of a specialist lender with the security and service standards of a regulated bank. Whether it’s flexible lending structures or straightforward savings options, we focus on what matters most to our customers.

In 2025, we launched DF Capital Retail Finance – a subsidiary of DF Capital Bank Limited – to offer specialist hire purchase solutions to retail customers.

Our goal is simple: to do the absolute best for our customers, our communities, and each other.

The Role:

Due to our current size and growth ambitions this is a fantastic opportunity for someone who is experienced in conducting compliance monitoring reviews on both a thematic and routine basis in a financial services firm, who knows the FCA regulations, and is keen to develop their specialism, experience, and impact at a growing Bank.

Experience in the development of the annual compliance monitoring plan would be advantageous.

The compliance team at DF Capital is small, so ideally we need someone who can also support on compliance advice, you will be responsible for providing business functions with quality and timely advice on compliance with FCA regulations, provide ongoing oversight and reporting on the compliance position, and be happy to roll your sleeves up and work dynamically with stakeholders to achieve this.

You will be a champion for delivering good consumer outcomes. You will support on the oversight of our developing consumer lending hire purchase proposition, enabling risk-owners to ensure compliance and good customer outcomes are achieved. You will have the authority to make decisions about the right way to do things.

We are a small team, so the ability to self-direct and work dynamically across different subject matter is important. This will offer you the chance to get involved in a variety of subjects and initiatives, which is why the role has a lot to offer any compliance professional who is looking to progress their breadth of experience.

DF Capital are passionate about providing employees with the right training and support to help them excel in their roles and future careers. We are confident that an applicant with the right attitude and drive will succeed in this role.

Other duties may be assigned outside of the following duties and responsibilities:

• Oversee and test business compliance against sourcebooks and policy, to provide effective, risk-based assurance to risk-owners and independently for the Board
• Provide constructive input and challenge to business forums and committees, driving an agenda of customer centricity and sustainability
• Review new or developing legislation/regulation to analyse business impact, brief business stakeholders up to the SLT and Board, and lead/advise on appropriate action
• Identify and address regulatory training needs
• Lead on compliance thematic reviews, depending on subject-matter expertise and team resources
• Work with the Compliance Director to annually review compliance risk and devise the annual Compliance Monitoring Plan
• Lead on maintenance and updates to the compliance framework and policies, ensuring it remains continuously effective for managing compliance as the business grows
• Lead improvement initiatives to Compliance processes, such as horizon scanning, monthly GRC reporting, etc.

• Assist with advice to business functions, stakeholders and projects on effective compliance to the FCA Handbook, particularly CONC, PRIN and BCOBs, which is tailored to the customers, scale and risk of the firm

You will not have any direct reports but will act as a supporting coach for 2LOD colleagues and beyond in upskilling and deepening knowledge of FCA regulations and effective compliance processes.

Requirements

Must possess required proficiency to perform essential tasks.

 At the very heart of every DF Capital employee is a shared identity and belief in what we are and what we do. It’s about how we see ourselves and what is important to us. You will live our brand values. As such you will be an approachable, empathetic problem solver, with exemplary communications skills. You will avoid the use of unnecessary jargon and display an adaptable, “can-do” attitude. The following skills and experience are required for this role:

• You have strong ethics and standards, and are comfortable with open and direct communication

• You have completed compliance monitoring reviews within a financial services firm before, and can demonstrate successful, outcomes-focussed effects of that work

• You have a good practical working knowledge of the FCA Handbook (particularly CONC, SYSC, PRICN, BCOBs and DISP); bonus for knowledge of money laundering regulations – but not essential

• You have worked in firms that offer regulated and unregulated products, and can make pragmatic, risk-based judgements about when and how principles and rules should be applied throughout the firm

• You have a vision of what good looks like in compliance practices/process, and are excited by the opportunity to deliver your vision

• You can communicate concepts in a concise, simple way, even if they’re complex

• You have a strong ability to analyse information, and make informed judgements

• You have a proven ability to work in a fast-paced environment and adapt to change

Benefits

• Private medical insurance for you and your partner/family
• 10% Employer pension contribution
• 30-day annual leave entitlement plus Bank/Public Holidays
• Free Gym Membership
• Discretionary annual bonus
• Discretionary share awards
• Life Assurance
• Income Protection
• Save As You Earn company share acquisition scheme
• Tax efficient salary sacrifice scheme to obtain bicycles and electric vehicles
• 4 days of paid Volunteering leave to support our local communities
• Vibrant office location in the lively city centre of Manchester