Regulatory Compliance Officer

Hampshire Trust Bank is a specialist bank, staffed by experts focused on helping UK businesses realise their ambitions.

We offer niche specialty lines, as a SME bank, targeting under-served segments. Our dedicated Wholesale Finance, Bridging Finance, Development Finance and Specialist Mortgages teams ensure that businesses receive the outstanding service, lasting relationships, integrity and expertise they need to prosper.

We also provide savings accounts to individuals and businesses and since we lend to SMEs, our savers can be sure their money will help boost the British economy. Our vision is to be the go-to bank in our chosen markets; to deliver positive customer outcomes, rewarding careers and great shareholder value through a high-performing culture grounded in excellence and integrity.

Discover more about working at HTB here - Life at HTB | Careers & Inside Hampshire Trust Bank (HTB)

  Location:  London (Head Office)

  Hours:  Monday to Friday, 9:00am-5:30pm

  Working Pattern:  Hybrid (50/50)

  Reports to:  Senior Regulatory Compliance Manager

  Department:  Compliance

About the Role

We are looking for a Regulatory Compliance Officer to join our Compliance Advisory team within the second line of defence. Reporting to the Senior Regulatory Compliance Manager, you will provide practical, timely regulatory and conduct advice to the first line of defence and wider business stakeholders.

This is a varied and visible role, ideal for someone with regulatory compliance experience who enjoys partnering with stakeholders, translating regulation into practical business guidance, and working in a collaborative, high-performing environment.

Key Responsibilities

• Provide advisory support to the first line and change teams on FCA and PRA requirements, with a focus on SMCR, Consumer Duty, operational resilience, and supplier management.
• Assess conduct and regulatory risks, agree mitigations, and escalate material issues through appropriate governance forums.
• Triage, investigate, and support the resolution of compliance issues, ensuring clear root-cause analysis and evidence trails.
• Support regulatory change activity by translating requirements into policies, processes, controls, and customer communications.
• Draft, review, and maintain compliance policies, procedures, and supporting artefacts.
• Maintain key compliance registers, including horizon scanning outputs and rules mapping.
• Prepare and input into governance and committee papers, track actions, and support BAU and project delivery.
• Support regulatory submissions, queries, and responses, including returns via FCA Connect.

What We're Looking For

Essential experience and skills:

• Experience gained within a regulated financial services environment.
• Previous Compliance Advisory experience.
• Good working knowledge of regulatory responsibilities and conduct risk.
• Strong written and verbal communication skills, with the ability to present information clearly to senior stakeholders.
• Excellent attention to detail and analytical skills.
• Strong Microsoft Office skills (Excel, PowerPoint); curiosity around use of AI tools.
• Proactive, self-motivated approach with sound problem-solving skills.

Desirable:

• Experience working in a PRA- and FCA-regulated organisation.
• Knowledge of FCA Principles, Conduct Risk, Treating Customers Fairly (TCF), Consumer Duty, and MCOBS.
• Experience in policy governance and management.
• A relevant professional qualification (e.g. ICA, IRM), or working towards one.

Benefits

• Competitive remuneration including discretionary annual bonus and annual pay review
• Private Medical Insurance (Bupa)
• Mental health & wellbeing support via YuLife & Bupa
• 25 days annual leave (increasing with service) + Holiday Buy Scheme
• Cycle to Work Scheme & Green Car Scheme
• Enhanced family leave policies
• Study support & professional memberships
• Hybrid working (50/50 London)
• YuLife Rewards - retail, lifestyle & experience discounts
• Pension scheme - 8% employer contribution (noncontributory)
• Interestfree season ticket loan
• Annual volunteering day & Net Zero employer commitment