Richard Williams

Risk Manager – Insurance Sector - £60,000-£65,000Remote working Are you a risk professional looking to make a meaningful impact across operational, financial, and conduct risk areas? A well-respected UK-based insurer is seeking a Risk Manager to join its growing second-line risk function. This role is ideal for someone with experience in financial services and a strong understanding of risk management frameworks, looking to work closely with the business to enhance risk maturity and culture. The Role Reporting to the Chief Risk and Technology Officer, you will:Partner with business units to support effective risk identification, mitigation, and monitoring.Provide oversight and challenge on first-line risk management activities across operational, financial, conduct, and insurance risk areas.Lead and facilitate risk assessments, including RCSAs and risk appetite monitoring.Support the delivery of risk reporting to senior stakeholders, Board committees, and regulators.Monitor adherence to internal policies and regulatory requirements, escalating breaches where appropriate.Conduct risk-based assurance and control testing.Contribute to the development of a proactive risk culture and deliver risk training and tools to the wider organisation.Support compliance activities and help manage regulatory risk exposure.What We’re Looking ForSolid experience in risk management, ideally within financial services or insurance.Strong working knowledge of risk frameworks, regulatory expectations, and operational risk tools (e.g., RCSAs, risk appetite statements).Excellent communication and interpersonal skills to influence and guide first-line stakeholders.Analytical mindset, attention to detail, and a collaborative approach.Strategic thinker with a proactive, hands-on style.Desirable QualificationsStudying towards or achieved a relevant risk-related qualification (e.g., IRM, CERA, ICA, or equivalent).Why Apply?Join an organisation committed to embedding a strong risk culture.Gain exposure across a wide range of risk types and strategic initiatives.Work closely with senior leaders in a flat, collaborative structure.Flexible working with a supportive team environment

Financial Risk Manager – Life Insurance / PensionsLocation: BuckinghamshireSalary: £70,000-£80,000Type: Permanent | Full-TimeDo you have a strong background in financial and investment risk within the life insurance or pensions sector?A leading financial services organisation is seeking a Financial Risk Manager to join its growing second-line risk team. This is a high-profile role offering the opportunity to contribute to strategic initiatives including Bulk Purchase Annuity transactions and acquisition activity, with direct engagement across senior leadership.Key ResponsibilitiesProvide independent second-line review and challenge of financial risk elements in strategic and commercial proposals.Support the design, monitoring, and reporting of the organisation’s financial risk appetite and stress/scenario testing within the ORSA framework.Produce and develop Board and committee-level risk reporting and MI.Lead deep dives and assurance reviews focused on credit and investment risks, including Matching Adjustment oversight.Collaborate with first-line teams to ensure effective financial risk identification, monitoring, and management.Review methodologies used in asset rating, actuarial modelling, and investment analytics.Support the ongoing enhancement of the Enterprise Risk Management Framework and contribute to regulatory submissions.Ideal Candidate ProfileStrong experience in financial risk management within the life insurance, pensions, or investment management sectors.In-depth understanding of credit risk, investment frameworks, and regulatory requirements (PRA, FCA).Familiarity with concepts such as Matching Adjustment, illiquid assets, and Solvency II.Experience in a second-line risk, actuarial, or financial oversight capacity (or a strong first-line background with a risk mindset).Excellent written and verbal communication skills, with the ability to influence and challenge stakeholders constructively.Core CompetenciesAnalytical and solutions-focusedClear communicator with strong interpersonal skillsProactive and well-organised, with strong attention to detailCapable of working independently and prioritising tasks effectivelyWhy Apply?Join a respected and forward-thinking organisation with a collaborative culture.Play a critical role in shaping risk management strategy and governance.Great opportunity for career development and exposure to high-impact financial decisions.

Enterprise Risk Manager Location: Buckinghamshire (Hybrid – 4 days office-based preferred) Salary: Up to £70,000 + Benefits Type: Permanent, Full-time Sector: Financial Services / Life & Pensions Overview An established and growing financial services provider is seeking an Enterprise Risk Manager to join its second line risk function. The role offers a fantastic opportunity to influence and mature the enterprise risk management framework during a key period of growth, following entry into the bulk annuity market. Reporting to the Chief Risk Officer, the successful candidate will play a central role in strengthening the company’s operational and enterprise risk oversight capabilities, enhancing MI and system usage, and supporting business-wide risk governance. Key Responsibilities ERM Framework & PolicySupport the development, documentation, and delivery of the enterprise risk management framework.Act as the second line lead on the risk system (e.g., RiskConnect), ensuring effective usage and reporting.Maintain and update risk policies in line with group standards, ensuring accessibility across the organisation.Risk Incident & RCSA OversightOversee the risk incident management process, including action tracking and root cause analysis.Deliver regular MI on incidents and RCSA results to governance committees.Conduct quality assurance over the RCSA process and evaluate business unit action plans.Second Line OversightReview and challenge strategic, commercial, and change proposals.Provide oversight of third-party risk management carried out by the first line.Conduct risk assessments and deep dives across key areas of operational and customer-related risk.Support the CRO in the ongoing maintenance of the risk appetite framework and identification of emerging risks.Risk Reporting & ORSADevelop and deliver high-quality risk MI, working with stakeholders to validate data and ensure insight.Contribute to the review and monitoring of risk appetites, stress scenarios, and key metrics.Assist in the planning and drafting of the ORSA Report, coordinating input and providing supporting analysis.Risk Culture & TrainingIdentify and support delivery of risk training across the business.Promote strong risk culture and awareness throughout the organisation.Candidate Profile Essential Experience & SkillsBackground in financial services – ideally life, pensions, or insurance.Strong working knowledge of operational and enterprise risk frameworks.Experience with RCSA, incident management, and root cause analysis.Familiarity with risk systems (e.g., RiskConnect) and developing risk MI/reporting.Effective communicator with the ability to work across all levels of the business.Self-motivated, well-organised, and able to work independently in a fast-paced environment.DesirableExperience in a second line risk function.Knowledge of ORSA and risk appetite frameworks.Experience contributing to risk governance and board reporting.Working EnvironmentContractually office-based, with flexibility depending on location and seniority.Ideally 4 days per week in-office.

Senior Risk Manager – Product & Pricing (Insurance) Salary: £80,000-£100,000 Contract: Full-time, Permanent Are you a proactive risk professional with deep knowledge of insurance product and pricing practices? We're looking for a Senior Risk Manager to lead and shape first-line risk management within a dynamic commercial insurance environment. In this high-impact role, you’ll provide expert risk oversight and guidance on product strategy, development, pricing, and governance. You’ll lead a small team and collaborate with stakeholders across the business to ensure a mature and effective risk culture – ultimately supporting the delivery of fair customer outcomes. What you’ll be doing:Lead the implementation of enterprise risk frameworks within product, pricing, and underwriting teams.Oversee and continuously improve risk and control processes, ensuring alignment with regulatory and internal requirements.Act as a trusted advisor on risk matters across product and pricing strategy, development and change initiatives.Deliver high-quality risk reporting and insights to senior leaders.Drive a strong customer-centric approach to risk, with focus on ethical pricing and fair value delivery.Manage and develop a small team of risk professionals, fostering a culture of continuous improvement.Support audit and assurance activity, managing action plans and ensuring timely remediation of issues.What we’re looking for:Strong experience in a senior risk, compliance or assurance role within the insurance or financial services sector.Deep understanding of product lifecycle, pricing governance, and customer value principles.Solid grasp of operational and conduct risk, ideally with exposure to FCA/PRA regulatory frameworks.Excellent communication and stakeholder engagement skills – able to influence at senior levels.Experience in implementing and embedding risk frameworks and policies in a first-line environment.Confident in using data and MI to support risk assessment and decision-making.Proven ability to lead and coach others, managing performance and delivering through teams.