Job Title: Head of Risk Reporting to: Chief Risk Officer and dotted-line to Chief Financial Officer Location: JOH Hybrid (1 day in the office) Department: Risk Job Level: 1 Main Objective: The purpose of the role is to lead the in-house Risk function at Personal Group, ensuring effectiveness of the Group’s Risk Management System. The role enables the Chief Risk Officer (CRO) to discharge SMF4 responsibilities and provides clear, proportionate second line oversight across enterprise, prudential, operational and financial reporting risks. The role holder manages the in-house Risk Manager (operational risk focused), collaborates closely with Finance, and works in partnership with the senior manager responsible for Compliance. The role reports to the CRO with a dotted reporting line to the CFO for non-regulatory Risk matters. Knowledge, experience and qualifications required in the role: • Broad risk knowledge, gained through experience operating at a senior management level within a regulated environment (financial services/general insurance experience would be preferable but is not essential). OR Strong insurance risk management experience with deep knowledge of Solvency II, prudential risk and ORSA. • Extensive senior risk experience, covering both financial and non-financial risks, with demonstrated ability to build, enhance and embed risk frameworks and policies. • Experience of analysing information and data, identifying trends and recommending action/solutions. • Experience partnering with Finance on controls, reporting and prudential processes. • Experience with operational resilience, cyber and information security oversight (highly desirable) • Understanding of actuarial concepts, financial reporting or capital modelling (desirable) • Background in scaling, uplifting or maturing Risk Management Framework in developing environments (desirable). • Previous experience in operational areas (not solely in risk roles) (desirable). • Degree educated or equivalent through experience Skills and Personal Characteristics required in the role: • Strong stakeholder management expertise, with the proven ability to challenge and influence at all levels. • Influential and creative thinker, confident to propose and debate solutions with senior stakeholders. • Strong analytical and problem-solving skills, with experience of analysing information and data, identifying trends, actions & solutions. • Excellent written, verbal and presentation skills & to be able to effectively communicate at all levels within the business. • Resilient and versatile, with the ability to adapt quickly to the changing needs of a rapidly developing business. • Ability to perform well under pressure and manage conflicting priorities. • High moral standards and commitment to both Company values and regulatory guidance with the selfconfidence to follow through. Management Responsibilities: Line Management of the Risk team, ensuring: • The departmental objectives are reflected in individual objectives set. • Work performance is reviewed regularly, and feedback given during 1 2 1’s. • Individuals are managed in terms of performance, conduct and attendance as required. • Team members receive continuous professional development, ensuring skills or knowledge gaps are identified and ongoing training is provided. • Team members adhere to mandatory and professional training requirements. • Team members are motivated and engaged. • The team are delivering a proactive, value add service to the business. Responsibilities and accountabilities within the role: 1. Risk Management System Leadership • Lead the design, implementation and operation of the firm’s Risk Management System, ensuring risks are systematically identified, assessed, monitored, and managed. • Maintain and further develop the Risk Management Framework (RMF), including strategy, policies, risk processes, and reporting standards. • Embed risk management across the organisation, ensuring alignment from operational to strategic levels. 2. Risk Appetite, Policies & Governance • Maintain, review and enhance the Risk Policy and associated c.20 sub policies under an agreed governance cycle. • Ensure risk appetite, limits, tolerances and escalation routes are clearly articulated, well understood, and consistently applied. • Provide robust second line challenge to first-line risk owners, including ongoing monitoring of emerging risks. • Drive strong governance by ensuring policies are proportionate, aligned with business needs and compliant with regulatory expectations. 3. Prudential Risk & ORSA Oversight • Support the CRO in leading the ORSA process, ensuring high quality inputs, stress tests, scenarios, documentation and clear linkage to strategy. • Strengthen prudential risk insight by monitoring capital drivers, solvency developments and exposure to regulatory change (e.g., PRA CPs, supervisory statements, thematic letters). • Oversee delivery of prudential regulatory projects (e.g., climate impact assessments, solvent exit analysis). • Promote alignment between ORSA outputs, management actions and solvency-related decision making. 4. Finance & Financial Reporting Risk Oversight • Provide independent second line oversight of Finance, including risks related to financial reporting, controls and regulatory submissions. • Support the development, embedding and ongoing evaluation of the Financial Reporting Control Framework (FRCF) across GAAP, IFRS, Solvency II and other reporting streams. • Coordinate with Finance on SCR calculations, QRTs, SFCR, and other prudential reporting outputs. 5. Operational Risk & Business Resilience • Supervise the Risk Manager across operational risk management activities, including risk assessments, event capture, KRIs and thematic reviews. • Oversee development and maturation of Business Resilience, Information Security, and cyber risk frameworks. • Ensure readiness for evolving requirements such as PRA CP17/24 on Operational Resilience, including third party and technology risk exposures. 6. Risk Reporting & Board Support • Deliver clear, independent, forward looking risk reporting to senior management, the Risk & Compliance Committee (RCC), and the Board via the CRO. • Ensure high-quality reporting flow, consistency across governance fora, and clear articulation of risk insights, emerging issues and trends. 7. Compliance Integration • Work closely with the Head of Compliance & General Counsel (SMF16) to ensure coordinated oversight of risk and compliance agendas, including shared themes, joint issues, and aligned governance expectations. 8. Third-Line & External Stakeholder Interaction • Support Internal Audit with risk based input into planning, audit execution and response management. • Contribute to regulatory interactions, information requests and supervisory engagement as directed by the CRO. • Provide risk oversight of technical actuarial areas where appropriate (e.g., technical provisions, underwriting, reinsurance). 9. Ongoing Enterprise Wide Responsibilities • Maintain and evolve risk assessments, registers, KRIs and thematic reviews. • Provide strategic risk insights to the CRO and Board. • Strengthen risk culture, first line accountability and cross functional collaboration. • Maintain ongoing development of operational risk and resilience frameworks. • Ensure second-line challenge relating to actuarial independence, governance boundaries and control environments. • Chair the senior leadership team quarterly Risk Forum in those quarters that the CRO does not attend, ensuring current and emerging business and operational risks are reviewed and discussed, and appropriate mitigating controls and actions are agreed and documented. • Ensure compliance with employment legislation, FCA principles, Consumer Duty, “Treating Customers Fairly” (TCF) & other relevant legislative requirements. People Management: Y Line management of the Risk team Budget Management: N

MLRO – International Payments A growing international money transfer business wants an experienced MLRO to own financial crime compliance for its UK-regulated entity. This is a standalone, senior role reporting to the CFO, with direct exposure to the CEO and Board. ResponsibilitiesAct as nominated MLRO and primary FCA contact on financial crimeManage the internal SAR process, NCA submissions (including DAML) and law enforcement requestsOwn the firm-wide risk assessment and AML/CTF, Sanctions, PEP and ABC policiesSet KYC/CDD/EDD standards and approve high-risk and PEP relationshipsOversee sanctions screening, transaction monitoring and fraud controlsProduce the Annual MLRO Report and regular Board reportingDeliver AML training and run assurance reviewsRequirementsMLRO or Deputy MLRO experience, ideally in payments, remittance, e-money or fintech5+ years in a senior UK compliance roleInternational experience essential; African markets exposure a plusCommercially minded, collaborative and comfortable working autonomously

Director of Finance and Tax Broadgate’s client is a high-growth, top-tier global venture capital firm backing category-defining technology businesses across major international hubs. In an exciting, newly created role to support the firm’s rapid European expansion, they are seeking a Director of Finance and Tax to take full ownership of tax strategy, fund administration, and financial oversight across all German entities.ResponsibilitiesOversee comprehensive German tax compliance and regulatory filings across all domestic management entities and operating vehicles.Lead relationships with external tax advisers and auditors, ensuring timely, accurate submission of corporate tax returns and statutory accounts.Direct end-to-end fund administration across German fund vehicles, including fund accounting, capital call execution, investor distributions, and portfolio valuations.Manage LP communications and investor reporting, acting as the primary point of contact for tax queries, reporting requests, and fund operations.Organize and prepare materials for advisory board meetings and LPAC sessions.Administer carried interest schemes, tracking allocations and processing carry distributions in accordance with fund documentation.Provide guidance on cross-border employment tax considerations for local personnel operating within global organizational frameworks.Essential ExperienceMinimum 5 years of experience in German tax within VC/PE, asset management, or top-tier professional advisory.Formal tax qualification (Steuerberater) or equivalent experience owning German tax compliance for regulated financial structures.Proven experience in a regulated financial institution, ideally working with private clients Experience in Deal Tax and Corporate tax

File Checker - Business QualityA leading UK financial advice network is looking for a Business Quality Adviser to join its Supervision & Assurance team, reviewing advice files to make sure clients get good outcomes.What you'll doCarry out pre- and post-sale file reviews across Investments, Pensions, Mortgages and InsuranceAssess suitability, affordability, capacity for loss, risk profiling and disclosure against COBS, MCOB, ICOBS, PROD and Consumer DutyGive clear, constructive feedback to advisers and support them in raising standardsRun root cause analysis on failed or at-risk cases and help improve controls and guidanceContribute to thematic reviews (e.g. retirement advice, DB transfers, vulnerable customers)What you'll needExperience in quality assurance or paraplanning within a financial advice firmStrong knowledge of FCA rules, Consumer Duty and vulnerable customer guidanceLevel 4 Diploma (DipPFS, DipFA or equivalent)

File Checker - Business Quality A leading UK financial advice network is looking for a Business Quality Adviser to join its Supervision & Assurance team, reviewing advice files to make sure clients get good outcomes. What you'll doCarry out pre- and post-sale file reviews across Investments, Pensions, Mortgages and InsuranceAssess suitability, affordability, capacity for loss, risk profiling and disclosure against COBS, MCOB, ICOBS, PROD and Consumer DutyGive clear, constructive feedback to advisers and support them in raising standardsRun root cause analysis on failed or at-risk cases and help improve controls and guidanceContribute to thematic reviews (e.g. retirement advice, DB transfers, vulnerable customers)What you'll needExperience in quality assurance or paraplanning within a financial advice firmStrong knowledge of FCA rules, Consumer Duty and vulnerable customer guidanceLevel 4 Diploma (DipPFS, DipFA or equivalent)

File Checker - Business QualityA leading UK financial advice network is looking for a Business Quality Adviser to join its Supervision & Assurance team, reviewing advice files to make sure clients get good outcomes.What you'll doCarry out pre- and post-sale file reviews across Investments, Pensions, Mortgages and InsuranceAssess suitability, affordability, capacity for loss, risk profiling and disclosure against COBS, MCOB, ICOBS, PROD and Consumer DutyGive clear, constructive feedback to advisers and support them in raising standardsRun root cause analysis on failed or at-risk cases and help improve controls and guidanceContribute to thematic reviews (e.g. retirement advice, DB transfers, vulnerable customers)What you'll needExperience in quality assurance or paraplanning within a financial advice firmStrong knowledge of FCA rules, Consumer Duty and vulnerable customer guidanceLevel 4 Diploma (DipPFS, DipFA or equivalent)

Senior HR Consultant Aberdeen | Full or Part-Time (minimum 4 days per week) | Hybrid, with travel to client sites   Discover Your Potential. Build Your Career. We are a leading professional services firm operating across the UK, Ireland, and the USA. We specialise in the mid-market, supporting individuals, family businesses, and organisations with a full suite of services including audit, tax, corporate finance, payroll, people consultancy, and wealth management. With 1,000+ team members, we deliver expert support to clients all over the world. Everyone has what it takes to succeed – we'll help you get there. Our people are at the heart of everything we do. We succeed together as one team, building strong client relationships through passion, empathy, and straightforward advice. We invest in brilliant talent across every area of the business, offering tailored training, professional qualifications, and continuous support to help you grow. Your growth matters to us. We'll give you the tools, encouragement, and opportunities to lead, learn, and make an impact. Guided by our core values, we foster a culture where collaboration, trust, and enthusiasm thrive.   Dedicated to Helping You Achieve Your Goals Your career is what you make it. We are here to help you turn ambition into action, whether that's becoming a technical expert, a future leader, or someone who simply makes a difference every day. If you're ready to be part of a team that's united by purpose and driven by values, we'd love to hear from you.   Our Commitment to ESG We take our responsibility seriously – from reducing our environmental impact, to supporting education through training and talent programmes, to giving back to our local communities through our charitable initiatives. ESG is part of who we are.   Role Purpose A fantastic opportunity has arisen for a Senior HR Consultant to join our team in Aberdeen on a full or part time basis (minimum 4 days per week). Candidates should hold a Level 7 Advanced CIPD accreditation (or equivalent), demonstrate substantial experience in strategic HR roles, or be willing to work towards achieving this qualification in the near future.   About Us We are a full-service people consultancy, working with our clients to support them with their HR, Health & Safety and Talent Development needs. Our unique range of services enables clients to deliver their ambitions through the most critical part of their organisation – people. Our team comprises 60+ HR, Health & Safety and Talent Development specialists working across many locations across the UK. We are fully invested in our clients' businesses and work in partnership with them to help build better workplaces. Our innovative approach enables us to build a deep understanding of our clients' organisations, tailoring our service to their unique needs. We provide flexible support to our clients, enabling their businesses to scale to their full potential through the attraction, retention, and development of key talent. We are exceptionally proud of our client base and are a trusted HR partner to some of the most innovative and high-growth businesses in the UK. As part of a wider professional services group, we have access to 1,000+ business advisors and work together to deliver solutions for clients across the critical business areas of people and finance. Our approach is different, and our success is down to one thing – our people. That is why our first value is ‘Nothing is more important than our people’. We give ambitious and driven people who are full of bright ideas a head start with inspiring career opportunities. Each individual is a leader in their area of expertise, which makes for an outstanding, innovative and creative workforce – and helps make us an award-winning team.   About the Job This is a unique and exciting opportunity to join our supportive and close-knit team. The role may be suited to someone who is developing in their HR career (4+ years' experience) and is perhaps currently working in an internal HR role but is looking to move to a consultancy role, where the focus is on building strong relationships with clients and giving sound, commercial advice. Alternatively, you may already work for a consultancy and be looking to move to a smaller, growing business with lots of room to grow and develop. We are looking for a candidate who has a portfolio of experience within HR and Employment Law but is still looking to grow and develop within a fast-paced business environment, who can build relationships quickly and is excited to support a range of clients across sectors. No one day is the same. We work with clients at various stages of their growth journey – whether they are starting out, an established SME, a scaling business, or a large organisation. The dynamic environments in which our clients operate requires us to be both proactive and reactive to ensure we deliver an excellent customer service. In this varied role you can expect to be working on the following tasks and duties as the main focus of your days: Providing commercially focused and pragmatic advice and recommendations around day-to-day HR and employment issues that focus on ER processes. Working with clients to continuously improve their current HR set ups by recommending and assisting with implementing solutions, changes and practical tools to help them grow. Advising management teams on the practical application of their HR policies and helping them recruit, train and manage their new team members. Helping our clients build inclusive, welcoming and values-driven cultures and working environments. Mentoring and supporting the development of team members, acting as first point of contact for HR queries and on management support and advice. Preparing documentation on behalf of clients to support internal processes such as onboarding, appraisals, probation, absence management, employee relations cases, benefits administration, employment contracts, and offboarding processes. Preparing, reviewing and refreshing template client toolkits and documentation.   About You To thrive in our dynamic environment, you will be able to demonstrate the following skills, experience and qualities: Applied knowledge of HR practice, employee relations and legislation (min. 4 years' experience) and an understanding of how to translate this into simple, effective and practical advice and tools for clients. Excellent communication and listening skills with the ability to explain complex ideas and concepts in a clear, concise, jargon-free manner to clients aligned to their needs and desired outcomes. Excellent questioning skills to carefully understand client issues and needs in order to develop and implement tailored solutions and fulfil requirements. A consultative and flexible approach with the ability to tailor solutions to requirements and take a commercial and client-focused approach to problem solving. Effective people skills, building trust, rapport and confidence with clients and internally within the team. Discretion and an awareness and understanding of strict confidentiality requirements. A forward-thinking, solutions-focused and innovative approach to improving and developing tools, processes and solutions. Responsive and client-focused, recognising the importance of facilitating an excellent client experience and representing the brand externally. Committed to continuous improvement and ongoing learning & personal development. Highly organised, diligent and with strong attention to detail and the ability to multitask and prioritise effectively. Willing and able to travel to office locations and client sites, as required. CIPD-qualified, or willing to work toward gaining this qualification in the future. HR System implementation experience would be an advantage. A full driving licence and access to a car are essential for this role due to regular travel to client sites.   This is a fast-paced role in a growing company and the above list of tasks and responsibilities is not exhaustive. As a member of our growing team you will have the opportunity to be involved in a broader range of activities than those described above, to mentor our consultants, and to be mentored and supported by our Team Managers as you develop your HR and consultancy skills.   What We Offer We want you to feel supported inside and outside of work. That's why we offer a benefits package designed for your wellbeing, lifestyle, and career.   Time Off & Family Support Annual leave (plus public holidays), with the option to buy or carry over leave Enhanced parental leave (maternity, paternity, adoption) Paid volunteering day to support causes that matter to you   Health & Wellbeing Private Medical Insurance (PMI) for you, with the option to cover family members Employee Assistance Programme (EAP) for 24/7 mental health and wellbeing support Death in Service benefit   Financial Security Competitive pension scheme Life assurance policies to support you and your family   Flexible & Agile Working Hybrid working model Agile working culture that supports flexible hours and smarter working Modern office spaces designed for collaboration, focus, and wellbeing

Payroll Advisor (Enterprise) Aberdeen or Glasgow  |  £30,000 to £32,000  |  Hybrid working The Opportunity Our client, a well-established professional services firm with a long track record of advising organisations across a range of sectors, is looking for an experienced Payroll Advisor to join its Enterprise payroll team. This search is being run on a confidential basis; full details of the business will be shared with shortlisted candidates. This is a strong next step for someone who already has solid payroll experience and is ready to take on more responsibility: advising clients directly, supervising junior colleagues, and getting involved in more technical and complex payroll work.   What You'll Be Doing Advising clients on a range of payroll and compliance matters, applying your technical knowledge across different scenarios to meet their needs Processing complex payrolls and researching solutions to technical problems, escalating where needed Reviewing and issuing client output with a good degree of autonomy, while keeping risk front of mind Building genuine relationships with clients and their teams, and spotting opportunities where the firm could support them further Delegating and managing workflow across the team, making sure junior colleagues understand what's expected and are supported to deliver Reviewing the work of junior colleagues, giving feedback, and helping develop their skills Keeping on top of payroll legislation changes and helping implement updates to processes as needed Reviewing and sending payment runs in line with audit requirements Maintaining clear, accurate process documentation for your client portfolio Testing software updates and liaising with providers when issues come up Acting as a first point of contact for more junior team members needing day-to-day guidance Contributing to monthly control reviews as part of the wider audit process Getting involved in process improvement initiatives across the team What We're Looking For Experience & qualifications Relevant professional qualifications, plus Higher/A-Level or equivalent A degree is preferred but not essential Around 3 to 4 years' relevant payroll experience, ideally in a similar advisory role Experience managing a client portfolio and working to tight deadlines Some experience of technical compliance and advisory work Experience supervising or mentoring junior staff is an advantage Skills & attributes Strong organisational skills and excellent attention to detail Confident written and verbal communicator Comfortable with Microsoft Outlook, Word, Excel and payroll software A natural problem-solver with sound knowledge of relevant payroll legislation and best practice A team player who builds good relationships at all levels Self-motivated, able to work on your own initiative and turn ideas into action Why Apply This is a genuinely varied role with a clear path for progression. You'll get real client exposure, a say in how the team runs, and the chance to develop both your technical expertise and your people-management experience. The client offers a supportive, collaborative culture and is investing in the growth of this team. This role is being handled on a confidential basis. The identity of the hiring organisation will be disclosed to candidates who progress to interview.