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Now Hiring a Regulatory Change AnalystJoin a company that’s taking the RegTech industry by storm!Ruleguard is a fast-growing technology company serving the financial sector compliance market. As a leading firm within the innovative “RegTech” sector we delight in creating cutting-edge business software to make it as easy as possible for banks, brokers and investment firms to comply with regulation.The Role:We are looking for a Regulatory Change Analyst to support the Head of Risk &amp; Compliance, who is responsible for our Thought Leadership Strategy and oversight of risk management at Ruleguard. This role is best suited to someone with prior experience, or a keen interest, in Horizon Scanning and would like to develop their regulatory knowledge further.Job Specification:• Ensure the Regulatory Change Management system remains up to date with changes to UK regulations• Develop understanding of international regulatory developments• Undertake key research projects to support the international strategy• Undertake administrative duties for the R&amp;C team such as follow up on risk issues, monthly reporting, posting TLS content to third party sites• Undertake and maintain ongoing surveillance of our client base• Assist colleagues in learning and understanding matters of regulatory compliance• Review and advise on our collateral in relation to matters of regulatory complianceYour Knowledge &amp; Experience:• 3+ years’ experience in a regulatory compliance or related consultancy role• Financial Services regulatory knowledge is critical• Must have a good working knowledge of the FCA and PRA handbooks• Knowledge of regulations in several additional jurisdictions would be an advantageYour Skills &amp; Abilities:• Excellent attention to detail and focus upon accuracy• Ability to keep up-to-date with regulatory developments• Excellent organisational and planning skills• Excellent writing skills• Embraces technology• Confident Microsoft Word, Excel, and PowerPoint skills• Proven comfort with advanced business software systems• Fluent in written and spoken English• Fun, friendly personalityBenefits:• 25 days of annual leave increasing by 1 day each year up to 30 days• Employer pension scheme• Private Health Insurance• Medical Cash Plan• Income Protection• Life Assurance• Gym/fitness benefits• Flexible working• Home workspace equipment allowance• Wellbeing and social eventsApplication process:We try to make the whole process as smooth as possible. You will have an initial telephone interviewfollowed by two formal interview stages.

Regulatory Change Analyst

Firm Risk Management Morgan Stanley's Firm Risk Management (FRM) Division is an exciting and rapidly growing space. We support Morgan Stanley to achieve its business goals by partnering with business units across the Firm to realize efficient risk-adjusted returns, acting as a strategic advisor to the Board and protecting the Firm from exposure to losses as a result of credit, market, liquidity, operational, model and other risks. Responsibilities - - Reviewing, effectively challenging model assumptions, mathematical formulation, implementation of supervisory rules and if necessary, independently testing Internal Liquidity Stress Testing (ILST) and Net Interest Income Sensitivity models covering the Firm's activities in US, Europe and Asia. - Proactively communicating with the global and regional treasury and liquidity risk teams on ongoing validations and any model issues that may come up. - Help answering regulatory and internal audit requests related to MRM activities on ILST and Net interest Income , attending regulatory meetings if needed - Independently develop and review existing monitoring and quantify model risks due to model limitations and thematic risks including developing compensating controls. - Develop high-quality validation reports highlighting risks and limitations of models and communicate findings to stakeholders, senior management, and governance committee - Collaborate with Global MRM teams, Model Control Officers, Regulatory Capital Controllers, Finance and Risk Managers to manage model risk across the model lifecycle Qualifications: - Strong technical / programming skill - Understanding how model risks impact the business, and business changes impact model - Strong communication skills with ability to articulate complex concepts appropriately to different audiences including senior management - Masters (or equivalent) in Finance, Economics, Mathematics, or a related quantitative field is required. - The ideal candidate should have strong experience with models used for Internal Liquidity Stress Testing and Interest Rate Risk in the Banking Book gained at a financial institution. - Quantitative programming skills (e.g. Python, R, etc) and advanced excel knowledge - 5+ years of relevant working experience with model validation or development in treasury or liquidity risk management functions with sound understanding of Model lifecycle and validation report is required. - Experience on Regulatory Capital with CCAR and other supervisory stress testing is a plus. - The ability to effectively communicate with a wide range of stakeholders, both written and verbally is required. - Ability to partner and work effectively both with team members and with colleagues across the wider organization. - An interest in working in a fast-paced environment, often balancing multiple high priority deliverables with attention to detail is required. Expected base pay rates for the role will be between $110,000 and $190,000 year at the commencement of employment. However, base pay if hired will be determined on an individualized basis and is only part of the total compensation package, which, depending on the position, may also include commission earnings, incentive compensation, discretionary bonuses, other short and long-term incentive packages, and other Morgan Stanley sponsored benefit programs. Morgan Stanley's goal is to build and maintain a workforce that is diverse in experience and background but uniform in reflecting our standards of integrity and excellence. Consequently, our recruiting efforts reflect our desire to attract and retain the best and brightest from all talent pools. We want to be the first choice for prospective employees. It is the policy of the Firm to ensure equal employment opportunity without discrimination or harassment on the basis of race, color, religion, creed, age, sex, sex stereotype, gender, gender identity or expression, transgender, sexual orientation, national origin, citizenship, disability, marital and civil partnership/union status, pregnancy, veteran or military service status, genetic information, or any other characteristic protected by law. Morgan Stanley is an equal opportunity employer committed to diversifying its workforce (M/F/Disability/Vet).

VP, Model Risk (Risk Management)

Who is HSBC Innovation Bank? HSBC Innovation Banking is the power behind the UK's forward-thinkers, future-makers, and leap-takers, helping them ignite the bold ideas that reshape our world. We offer flexible banking solutions for start-ups, scale-ups, growth businesses, investors and those working towards IPO typically within the technology and life science sectors. Whether it's comprehensive banking, managing cashflow, plans for buyouts or Strategic Fund Solutions, we power ideas at every stage of their journey. From the first-time founders to the funds that back them, and everything in between. We're proud to accelerate growth for our clients, create meaningful connections and communities, and open a world of global opportunity for entrepreneurs and investors alike. Come and join us! #HSBCINNOVATIONBANKING The team you'll work with: The HSBC Innovation Bank UK, Credit Risk team is a Second Line of Defence (SLOD) team responsible for the credit risk management of the bank's portfolio including identifying, monitoring, and appropriately escalating credit risk issues within the bank. The Manager will work with the Credit Risk Management team in the understanding and implementation of key frameworks in addition to management of data and key stakeholder engagement within the Innovation Bank and Group. What can you expected to be doing? The remit of the HSBC Innovation Banking UK Credit Risk Management team is broad and far reaching within the bank. Below are some examples of the type of work you may be involved with. You will be responsible for the development of internal credit risk reporting for Committee meetings, highlighting and discussing trends in the credit risk portfolio and close monitoring of key internal credit risk metrics. Credit Portfolio Analysis - Oversee a Senior Associate in the production of this analysis of what is driving changes in the credit risk of the portfolio, and producing management information reflective of these trends for discussion at monthly Credit Risk Committee meetings. Credit Risk Policy - Leading on policy and Credit Risk Rating (CRR) related updates. Committee Engagement -Support the Senior Director in various Risk committees within HSBC Innovation Banking UK, including the Board Risk Committee, the Executive Risk Management Meeting and the Executive Credit Risk Committee amongst others. Expected Credit Loss (ECL) and Capital - Review and challenge of the approach to IFRS9 and capital, plus the resulting Expected Credit Loss (ECL) and Risk Weighted Assets. This includes providing guidance on IFRS9 and assessing ECL calculations relative to both local IFRS9 governance and HSBC regional governance rules. Risk Infrastructure - Work with other team members in the implementation of the HSBC Innovation Banking UK Risk Management Framework (RMF), acting as a point of contact for RMF credit related matters. Credit Risk Appetite - Monitoring the credit portfolio to ensure key risk metrics remain within agreed thresholds and where breaches in risk appetite occur these are well understood and escalated in a timely manner. Requirements Prior experience of working within a credit risk environment is preferable but a good attitude and enthusiasm are key. Some of the competencies that would be encouraged include: Ability to articulate and present issues and concepts with various levels of management. Ability to structure and effectively manage projects with multiple work-streams. The team is growing and there is an expectation that the manager will lead the day to day running of the team and act as a direct support to the Senior Director. Familiarity with general credit risk concepts including IFRS9 Expected Credit Loss, Basel Capital Requirement Regulations or credit risk rating methodologies would be helpful. Familiarity with tools such as Excel and Powerpoint together with an ability to identify and effectively communicate key issues. Where you'll be based: Our home office in Finsbury Square, London. We offer hybrid working to our employees, so you can flex between home and the office. Equal Employment Opportunity: We know that some people may be put off from applying for a role if they don't meet all elements of a job description. If you think you can make a difference to our business, then why not give us a try? HSBC Innovation Banking is an equal opportunities employer. Our recruitment processes are accessible to everyone - no matter their gender, ethnicity, age, religion, sexual orientation, disability or neurodiversity. If you'd like to apply for one of our roles and need adjustments made, please contact our Recruitment Helpdesk: Email: <a href="mailto:hsbc.recruitment@hsbc.com" target="_blank">hsbc.recruitment@hsbc.com</a>

Credit Risk Manager

Join our Capital and Impairment team, an essential part of the Credit Risk department. The team is responsible for running the credit risk models that calculate regulatory capital and IFRS9 expected credit losses. It also monitors these models' performance, creates regulatory reports, and provides important data for the Annual Report. A key focus of this role is to ensure the team follows our Model Risk Framework guidelines. As the leader of this team, this role will manage three managers, who each oversee their own sub-teams of senior analysts (Capital, Impairment, and Monitoring). It will also work closely with various departments, including Credit Risk Model Development, Financial Reporting, Treasury, and Model Validation. What we offer: <a href="https://www.coventrycareers.co.uk/about-us/what-we-offer.aspx" target="_blank">https://www.coventrycareers.co.uk/about-us/what-we-offer.aspx</a> We reserve the right to close this advert early if we receive a high volume of suitable applications.

Senior Credit Risk Manager - Capital & Impairment

Job Description VP role within Global Counterparty Credit Risk management will be responsible for supporting the team's counterparty primary credit coverage of hedge funds, family offices, and asset managers with secondary responsibilities supporting coverage of Banks and Broker Dealers. The role will be instrumental in assisting with ongoing management and growth of the Equities (PB/OTC Derivatives), Fixed Income (Repo/Reverse Repo) and OTC FX businesses. The position requires close interaction with Equity and Fixed Income businesses, Legal, Collateral Management, and other internal groups. **Hedge fund experience is essential for successful candidate.** Primary Responsibilities: <ul> <li>Perform customer due diligence and financial analysis</li> <li>Complete internal credit ratings models and counterparty credit reviews</li> <li>Set and communicate credit exposure appetite across trading products utilizing internal exposure methodologies</li> <li>Assist/oversee legal negotiations for traded products</li> <li>Review and approve trading activity, including recommending margin requirements</li> <li>Perform ongoing client financial, credit, and industry surveillance;</li> <li>Develop working relationships and coordinate efforts closely with internal front office partners and colleagues across Risk and other corporate functions;</li> <li>Maintain credit pipeline of potential new counterparties. </li></ul>Required Background/ Skills: <ul> <li>BA or equivalent, MBA preferred.</li> <li>Formal credit training preferred.</li> <li>Proficiency in financial statement analysis. </li> <li>5-10 years of work experience in financial services required.</li> <li>Hedge Fund and Asset Manager Industry experience required.</li> <li>Financial and/or banking industry experience required.</li> <li>Experience with legal agreements including; PBAs, ISDA, MCAs, MRAs and MSLAs.</li> <li>Strong interest in client interaction and possess solid communication skills, both verbal and written.</li> <li>Ability to perform well under pressure in a demanding environment.</li> <li>Strong Excel and modeling skills.</li> <li>MS Office Suite and Bloomberg proficiency.</li></ul>#LI-PS1 About Us Jefferies Financial Group Inc. (''Jefferies,'' ''we,'' ''us'' or ''our'') is a U.S.-headquartered global full service, integrated investment banking and securities firm. Our largest subsidiary, Jefferies LLC, a U.S. broker-dealer, was founded in the U.S. in 1962 and our first international operating subsidiary, Jefferies International Limited, a U.K. broker-dealer, was established in the U.K. in 1986. Our strategy focuses on continuing to build out our investment banking effort, enhancing our capital markets businesses and further developing our Leucadia Asset Management alternative asset management platform. We offer deep sector expertise across a full range of products and services in investment banking, equities, fixed income, asset and wealth management in the Americas, Europe and the Middle East and Asia. At Jefferies, we believe that diversity fosters creativity, innovation and thought leadership through the infusion of new ideas and perspectives. We have made a commitment to building a culture that provides opportunities for all employees regardless of our differences and supports a workforce that is reflective of the communities where we work and live. As a result, we are able to pool our collective insights and intelligence to provide fresh and innovative thinking for our clients. Jefferies is an equal employment opportunity employer, and takes affirmative action to ensure that all qualified applicants will receive consideration for employment without regard to race, creed, color, national origin, ancestry, religion, gender, pregnancy, age, physical or mental disability, marital status, sexual orientation, gender identity or expression, veteran or military status, genetic information, reproductive health decisions, or any other factor protected by applicable law. We are committed to hiring the most qualified applicants and complying with all federal, state, and local equal employment opportunity laws. As part of this commitment, Jefferies will extend reasonable accommodations to individuals with disabilities, as required by applicable law. All employees must follow Jefferies' COVID-19 protocol policy, which is subject to change.

Hedge Fund Credit Risk Manager, VP

Some careers open more doors than others. If you're looking for a career that will unlock new opportunities, join HSBC and experience the possibilities. Whether you want a career that could take you to the top, or simply take you in an exciting new direction, HSBC offers opportunities, support and rewards that will take you further. Our Risk and Compliance function has a critical role to play in supporting, challenging and advising across all areas of the business through establishing policy, monitoring profiles, and identifying and managing forward-looking risk and compliance. We focus on creating an environment that encourages our people to speak up and do the right thing, as well as protecting our customers, the organisation and the integrity of the financial markets in which we operate. Already an industry-leader in many respects, we want to continue setting standards and evolving to respond to strategic changes. As an HSBC employee in the UK, you will have access to tailored professional development opportunities and a competitive pay and benefits package. This includes private healthcare for all UK-based employees, enhanced maternity and adoption pay and support when you return to work, and a contributory pension scheme with a generous employer contribution. The team actively handles a varied and dynamic range of risk types, including security, fraud, information security, contingency, geopolitical, operational, credit, pension, insurance, financial crime and regulatory compliance, market and reputational risks. As an HSBC employee in the UK, you will have access to tailored professional development opportunities and a competitive pay and benefits package. This includes private healthcare for all UK-based employees, enhanced maternity and adoption pay and support when you return to work, and a contributory pension scheme with a generous employer contribution. In this role you will: <ul> <li> Oversee the development, monitoring and maintenance of IFRS 9 ECL models for HSBC's UK Retail portfolios. </li> <li> Co-ordinate the activity for a small UK based team, providing oversight and support to a central offshore modelling team. Prioritise planned projects and tasks, whilst effectively managing and challenging requests for unplanned or ad-hoc work. </li> <li> Deliver complex analytics as an individual contributor in addition to through other analysts. Includes the extraction, manipulation and cleansing of large datasets using SAS. </li> <li> Draw, formulate and communicate conclusions from your own and the work of others, recommending and implementing further actions. </li> <li> Liaise with other teams across Risk Analytics and the wider Risk team to gather insight on portfolio performance to feed into IFRS 9 modelling activity, and to communicate model outputs to stakeholders. </li> </ul> Requirements To be successful in this role you should meet the following requirements: <ul> <li> Experience of working within a Retail Credit Risk analytics team. </li> <li> A track record of successfully delivering analytics projects to meet business objectives. </li> <li> Strong experience of using the SAS software package to deliver analytics. SQL knowledge would also be beneficial. </li> <li> The ability to lead a team of risk analysts. </li> <li> An understanding of consumer lending products, profitability and credit risk. </li> </ul>This role is based in Leeds, Sheffield, Birmingham, Chester. Opening up a world of opportunity Being open to different points of view is important for our business and the communities we serve. At HSBC, we're dedicated to creating diverse and inclusive workplaces. Our recruitment processes are accessible to everyone - no matter their gender, ethnicity, disability, religion, sexual orientation, or age. We take pride in being a Disability Confident Leader and will offer an interview to people with disabilities, long term conditions or neurodivergent candidates who meet the minimum criteria for the role. If you'd like to apply for one of our roles and need adjustments made, please get in touch with our Recruitment Helpdesk: Email: <a href="mailto:hsbc.recruitment@hsbc.com" target="_blank">hsbc.recruitment@hsbc.com</a> Telephone: +44 207 832 8500.

Credit Risk Modelling Manager - IFRS 9

Job Description Are you ready to write your next chapter? Make your mark at one of the biggest names in payments. With proven technology, we process the largest volume of payments in the world, driving the global economy every day. When you join Worldpay, you join a global community of experts and changemakers, working to reinvent an industry by constantly evolving how we work and making the way millions of people pay easier, every day. What makes a Worldpayer? It's simple: Think, Act, Win. We stay curious, always asking the right questions to be better every day, finding creative solutions to simplify the complex. We're dynamic, every Worldpayer is empowered to make the right decisions for their customers. And we're determined, always staying open - winning and failing as one. We're looking for a Senior Credit Risk Manager to join our ever-evolving Risk team to help us unleash the potential of every business. Are you ready to make your mark? Then you sound like a Worldpayer. About the team Our Legal, Risk, Compliance and Audit teams ensure we're doing business the right way. The primary responsibility of the Worldpay Credit team is to review larger credit risk exposure accounts to ensure the merchant's credit fundamentals are adequate in relation to the potential exposure generated from the payment processing relationship. They help us balance a healthy risk appetite, so we're empowered to expand our horizons. The Third-Party Agent (TPA) Credit and Risk Oversight team's plays a critical role in overseeing the risk of Worldpay's Payment Facilitator (PayFac) and ISO portfolios. The team conducts Underwriting of new TPA's, periodic credit reviews, portfolio monitoring and shadow transaction monitoring, and generally partners with our commercial team in seeking to profitably grow the portfolio What you'll own <ul><li>Obtains and reviews the financial statements of merchants</li><li>Performs extensive analysis of financial statements and providing an assessment of their credit profile and making supportable recommendations for exposure</li><li>Effectively evaluates complex business arrangements and structures; able to dive deep into the background and operations of a merchant.</li><li>Recommend and establish appropriate credit limits and collateral to minimize and manage risk; Position may be granted credit authority</li><li>Communicates effectively and professionally with internal and external clients</li><li>Exercises sound judgment in assessing potential regulatory and reputational risks</li><li>Monitors and communicates credit concerns to management</li><li>Role is hybrid and requires 2-3 days in office</li></ul>Where you'll own it You'll own it in our Cincinnati or Atlanta hub. While we're a large team of Worldpayers based in North America, we have collaborative spaces and regular opportunities to celebrate with each other in person. What you bring <ul><li>Skills and expertise needed to perform the job requirements listed above, at minimum:</li><li>7-10 years of experience analyzing and spreading financial statements, performing credit analysis and drafting credit memos</li><li>Effective communication skills; attention to detail</li><li>Strong judgment and decision-making skills</li><li>Self-starter, able to work independently; possesses a strong sense of ownership</li><li>Ability to creatively solve problems and achieve company objectives</li><li>Time management skills with ability to multitask</li><li>Preferred Additional Requirements:</li><li>Knowledge of merchant acquiring services and the payment processing industry</li><li>Degree in Finance, Accounting, or similar formal credit training</li></ul>Worldpay perks - what we'll bring for you We know it's bigger than just your career. It's your life, and your world. That's why we offer global benefits and programs to support you at every stage. Here's a taste of what you can expect. <ul><li>A competitive salary and benefits.</li><li>Time to support charities and give back to your community.</li><li>Parental leave policy.</li><li>Global recognition platform.</li><li>Virgin Pulse access.</li><li>Global employee assistance program.</li></ul>What makes a Worldpayer At Worldpay, we take our Values seriously, and we live them every day. Think like a customer, Act like an owner, and Win as a team. <ul><li>Curious. Humble. Creative. We ask the right questions, listening and learning to get better every day. We simplify the complex and we're always looking to create a bigger impact for our colleagues and customers.</li><li>Empowered. Accountable. Dynamic. We stay agile, using our initiative, taking calculated risks to progress. Never standing still, never settling, we work at pace to achieve our goals. We champion our ideas and stay flexible to make them happen. We know that every action adds up.</li><li>Determined. Inclusive. Open. Unlocking potential means working as one global community. Our work spans borders, and we stay united by our purpose. We collaborate, always encouraging others to perform at their best, welcoming new perspectives.</li></ul>Does this sound like you? Then you sound like a Worldpayer. Apply now to write the next chapter in your career. We can't wait to hear from you. To find out more about working with us, find us on LinkedIn. Privacy Statement Worldpay is committed to protecting the privacy and security of all personal information that we process in order to provide services to our clients. For specific information on how Worldpay protects personal information online, please see the Online Privacy Notice. EEOC Statement Worldpay is an equal opportunity employer. We evaluate qualified applicants without regard to race, color, religion, sex, sexual orientation, gender identity, marital status, genetic information, national origin, disability, veteran status, and other protected characteristics. The EEO is the Law poster is available here supplement document available here For positions located in the US, the following conditions apply. If you are made a conditional offer of employment, you will be required to undergo a drug test. ADA Disclaimer: In developing this job description care was taken to include all competencies needed to successfully perform in this position. However, for Americans with Disabilities Act (ADA) purposes, the essential functions of the job may or may not have been described for purposes of ADA reasonable accommodation. All reasonable accommodation requests will be reviewed and evaluated on a case-by-case basis. Sourcing Model Recruitment at Worldpay works primarily on a direct sourcing model; a relatively small portion of our hiring is through recruitment agencies. Worldpay does not accept resumes from recruitment agencies which are not on the preferred supplier list and is not responsible for any related fees for resumes submitted to job postings, our employees, or any other part of our company. #pridepass

Senior Credit Risk Manager - US Large Credit Risk / Merchant Underwriting

Credit Risk Manager Salary £75,000 - £80,000 Our Credit Investment team is looking for someone who has experience of working in a credit analysis role with ideally a focus on Infrastructure, structured finance, and private corporate debt, to join their tenacious team. The ideal candidate will have some direct experience of analysis of credit risk and of presenting a recommendation to approvers in both written and verbal formats. Additionally experience of portfolio monitoring and reporting / asset management is required. This is a great job for someone with experience of working in a bank or investment function of an Insurer or Asset Manager, looking for their next career step working with the UK's leading Insurance, Retirement and Wealth Management Business! A bit about the job: This position, within the Chief Investment Office, Credit Investments Team, will focus on portfolio credit risk, the assessment of individual transactions and overall governance. There will be a particular focus on Infrastructure Finance, Structured Finance &amp; Private Corporate Debt across the UK, Western Europe &amp; USA. Your key areas of responsibilities include: helping shape UK Life's investment risk appetite for new asset classes and geographies, production of detailed credit reports on asset types, sectors, and geographic regions, including forward-looking insight and analysis derived from trends observed, providing initial feedback to deal originators on UK Life's appetite for specific transactions, credit risk review of new and existing transactions and challenging credit and rating assessments provided by Fund Managers. Skills and experience we're looking for: <ul><li>A good understanding of credit risk and performing the associated analysis, ideally including knowledge of private assets in at least one of Infrastructure, Structured Finance and Private Corporate Debt</li><li>A relevant finance related degree or post-graduate qualification (e.g. CFA), or relevant experience for the role. An understanding of general financing, accounting principles and techniques</li><li>Be a self-starter and demonstrate the ability to work collaboratively across teams and apply conceptual thinking to identify and resolve issues</li><li>Strong communication skills with experience of summarising complex information and concepts for senior stakeholders and an ability to build and manage relationships. An understanding of general financing, accounting principles and techniques</li><li>Excellent organisational skills with the ability to prioritise and adapt against competing timescales. Ideally a knowledge of regulatory capital requirements and external rating agency methodologies including their application to sectors and specific transactions</li></ul>What you'll get for this role: Our purpose - with you today, for a better tomorrow - is a promise we make to our colleagues too. And one of the ways we live up to that promise is by investing in you. We have so much to offer when it comes to being an Aviva colleague. <ul><li>Starting salary between £75,000 and £80,000 (depending on location, skills, experience, and qualifications)</li><li>Bonus opportunity - 10% of annual salary Actual amount depends on your performance and Aviva's.</li><li>Generous pension scheme - Aviva will contribute up to 14%, depending on what you put in.</li><li>29 days holiday plus bank holidays, and you can choose to buy or sell up to 5 days</li><li>Make your money go further - Up to 40% discount on Aviva products, and other retailer discounts</li><li>Up to £1,200 of free Aviva shares per year through our Matching Share Plan and share in the success of Aviva with our Save As You Earn scheme</li><li>Brilliantly supportive policies including parental and carer's leave</li><li>Flexible benefits to suit you, including sustainability options such as cycle to work</li><li>Make a difference, be part of our Aviva Communities and use your 3 paid volunteering days to help others</li><li>We take your wellbeing seriously with lots of support and tools</li></ul>Take a look to learn more. Put a salary into this calculator to see what your total Aviva Reward could be. Aviva is for everyone: We're inclusive and welcome everyone - we want applications from all backgrounds and experiences. Excited but not sure you tick every box? Even if you don't, we would still encourage you to apply. We also consider all forms of flexible working, including part time and job shares. We flex locations, hours and working patterns to suit our customers, business, and you. Most of our people are smart working - spending around 50% of their time in our offices every week - combining the benefits of flexibility, with time together with colleagues. To find out more about working at Aviva take a look here We interview every disabled applicant who meets the minimum criteria for the job. Once you've applied, please send us an email stating that you have a disclosed disability, and we'll interview you. We'd love it if you could submit your application online. If you require an alternative method of applying, please give Tawana Chin a call on 07789 624461 or send an email to <a href="mailto:tawana.chin@aviva.com" target="_blank">tawana.chin@aviva.com</a>.

Job Title: Senior Credit Risk Manager Team: Portfolio Credit Risk Working Pattern: Monday to Friday, 36.25 hours per week Salary: up to £85,000 and up to 20% bonus and benefits Location: Hybrid work from our London office in Holborn At Tandem, we're not just a bank; we're a movement for positive change. If you're an ambitious and dedicated Senior Credit Risk Manager, ready to make an impact, we've got a space with your name on it! We are Tandem - Where impact meets innovation Tandem is the UK's greener digital bank on a bold quest to revolutionise the way we save, borrow, spend, and share - all while nurturing our planet, our people and our customers. As one of Europe's fastest growing digital banks, our values of being Brave, Enterprising, Simple, and Together (BEST) ensure our 500-strong team collaborate to drive a brighter, greener future. Tandem also leads the way with a secondary app called Loop. Loop gives customers a simpler, hassle free and awkward free way to share money among friends. Your team: Collaborators in change Key responsibilities include developing scorecards and affordability models. Other responsibilities also include monitoring of credit risk MI, identifying good / bad pockets to support credit risk strategy optimisation. Lending products include 1st and 2nd charge mortgages, secured motor loans, unsecured personal loans and unsecured home improvement loans. Your Impact: Building a greener tomorrow The Senior Credit Risk Manager role reports into the Credit Risk Director. This role will lead the Portfolio Credit Risk team (2nd line of defence) and will be accountable for oversight of end-to-end credit risk activities across all Tandem lending products - 1st and 2nd charge mortgages, secured motor loans, home improvement loans and personal loans. The Portfolio Credit Risk team sits within Credit Risk and ultimately the Risk &amp; Compliance function. The Portfolio Credit Risk team deliverables include - driving credit committee agenda, oversight of credit risk lending policies, driving the 2nd line credit risk assurance agenda and review &amp; challenge of proposals from 1st line ensuring changes to credit risk policy are in line with agreed risk appetite. Role responsibilities include <ul><li>Drive the 2nd line Credit Risk control and governance agenda including the implementation of the Credit Risk Management Framework across the Bank.</li><li>Oversight of credit risk policies - includes policies relating to Responsible Lending, Affordability, Exceptions, Collections, Recoveries, Forbearance and Impairment. Ensure policies are in-line with relevant regulatory requirements and also provide oversight to ensure adherence to policy - escalating risks / issues as appropriate.</li><li>Drive Credit Committee agenda - includes identification of risk / issues relating to credit risk and escalating as appropriate.</li><li>Develop credit risk appetite limits and work with the Business to seek approval from credit committee and senior committees.</li><li>Standup the Bank's credit risk assurance plan and conduct regular credit risk assurance reviews ensuring observations and recommendations are presented at credit committee.</li><li>Monitor progress against any credit risk related findings from internal/external audit, 2nd line assurance, model validation etc. Work through managing any risks / issues with respect to closure of findings.</li><li>Regular review of the credit performance and credit risk profile of portfolios across the Bank, ensuring credit risk KPIs continue to be in line with agreed credit risk appetite.</li><li>Review watchlist cases ensuring appropriate treatment from an impairment provisions and customer lens.</li><li>Review and challenge proposals from the Business (1st line) and provide 2nd line feedback / recommendation/s as part of credit committee governance.</li><li>Oversight and monitoring of the performance of new originations at appropriate level of granularity, including policy exceptions monitoring.</li><li>Review and challenge performance of models used for credit decisioning - to include provisions, affordability and scorecards - provide recommendations on enhancements as appropriate.</li><li>Work with Data team to ensure delivery of Credit Risk data requirements (e.g. for credit committee MI).</li><li>Develop effective relationships with internal stakeholders - includes Product, Operations, Finance and Compliance.</li><li>Work with external stakeholders including 3rd party consultancies and Bureau to ensure availability of appropriate data to deliver credit risk team goals.</li><li>Adapt communication style and approaches to articulate findings, business impacts and recommendations confidently and effectively, in particular, with respect to written and verbal communication at Heads of, Director and ExCo level.</li><li>Build, coach and develop Portfolio Credit Risk team and support the Risk maturity agenda across the Bank. Share best practices with wider Credit Risk team, with particular focus market leading practices on credit risk control and governance, analytics and insight reporting.</li><li>Deputise for Credit Risk Director on all Portfolio Credit Risk and also wider Credit Risk activities where appropriate.</li></ul>We'd love to hear from you if you have: <ul><li>Education: Bachelor's degree in maths / stats, finance, business, economics, or other quantitative related field.</li><li>Knowledge: a strong knowledge of (consumer) credit risk management framework.</li><li>Knowledge : strong understanding of credit risk appetite, quality assurance and quality control framework.</li><li>Knowledge: good understanding of mortgage, personal loans and motor finance products.</li><li>Knowledge: good understanding of affordability models, manual underwriting, impairment.</li><li>Computer skills: proficiency in Microsoft Office including Word, Excel and Power Point</li><li>Time management skills: good time management skills, the ability to effectively prioritise tasks, maintain timelines and manage/plan workloads effectively.</li><li>Proven experience in leadership and talent development.</li><li>Good communication skills, both written and verbal with experience of tailoring communication for different audiences.</li><li>Strong report writing skills including writing papers (e.g. credit assurance reports) for credit committee and board level consumption. </li><li>Good influencing skills with ability to work through any challenges / conflict in a collaborative style. </li><li>Analytical mindset with the ability to use data to drive decision-making.</li><li>Proactive and innovative approach to problem-solving.</li></ul>It would be great, but not essential if you have: <ul><li>Extensive banking experience, with bulk of it being in the credit risk management domain.</li><li>Strong understanding of credit risk management principles in consumer lending products, in particular, 2nd charge mortgages and motor finance.</li><li>Previous experience of driving credit committee agenda and performing credit risk assurance.</li><li>Previous experience of working in Fintech environment.</li></ul>Rewards that reflect your value, what's in it for you? At Tandem, your hard work is rewarded in many ways and we have an enhanced employee benefits package on offer from your very first day with us: <ul><li>25 days annual leave plus 8 days Bank Holiday </li><li>An additional day off for a 'celebration day' including, but not limited to, birthdays, weddings, religious holidays, graduations etc </li><li>Buy or sell up to 5 days holiday a year </li><li>Healthcare cash plan through Westfield Health worth a minimum of £750 per year </li><li>Electric Vehicle salary sacrifice scheme </li><li>Cycle to Work salary sacrifice scheme and a free helmet </li><li>Salary sacrifice Pension contribution*, 4% employee contributions matched with 4% Tandem contribution (*Subject to salary eligibility) </li><li>Smart Tech scheme (buy goods with 0% interest) </li><li>10% discount on solar panels </li><li>Tandem Hub for treats, cash back and discounts on UK retailers </li><li>2 days per year paid volunteering </li><li>Free cereal, snacks and drinks in all offices </li><li>Quarterly team social budgets </li></ul>Our Green Deal: Your Impact Amplified A little welcome gift from us to you, we'll plant a tree in the Tandem Grove and you can enter into our "Green Deal" below: <ul><li>Volunteer 2 days a year for charity &gt; receive an early Friday finish </li><li>Raise £200 per annum for charity &gt; Tandem provide PR and marketing support </li><li>Have renewable energy at home &gt; receive an additional 1 day annual leave </li><li>Drive an electric car &gt; receive £500 towards a home charger </li></ul>Ready to make your mark? Apply now and let's pave the way to a greener world, together. Our approach to DE&amp;I is reflected in our hiring process so please let us know if you require any reasonable adjustments. Sourcing Model Recruitment at Tandem works primarily on a direct sourcing model and does not accept resumes from recruitment agencies which are not on the preferred supplier list. We are not responsible for any related fees for resumes submitted to job postings, our employees, or any other part of our company. You can find our Applicant Privacy Policy on our Careers page. Tandem is an equal opportunity employer and are committed to meeting our responsibilities under the Equality Act (2010). We respect the diverse experience and talents that every individual brings to our Company, and we are determined to ensure that no applicant or employee receives less favourable treatment on the grounds of gender, age, disability, religion, belief, sexual orientation, marital status, or race, or is disadvantaged by conditions or requirements which cannot be shown to be justifiable. Please be aware that background checking (including credit and criminal records checks) form part of our recruitment process. We will adhere to our duties under the Rehabilitation of Offenders Act 1974.

Senior Credit Risk Manager

Job Title: Credit Risk Manager Team: Portfolio Credit Risk Working Pattern: Monday to Friday, 36.25 hours per week Salary: up to £65,000 and up to 20% bonus and benefits Location: Hybrid work from our London office in Holborn At Tandem, we're not just a bank; we're a movement for positive change. If you're an ambitious and dedicated Credit Risk Manager, ready to make an impact, we've got a space with your name on it! We are Tandem - Where impact meets innovation Tandem is the UK's greener digital bank on a bold quest to revolutionise the way we save, borrow, spend, and share - all while nurturing our planet, our people and our customers. As one of Europe's fastest growing digital banks, our values of being Brave, Enterprising, Simple, and Together (BEST) ensure our 500-strong team collaborate to drive a brighter, greener future. Tandem also leads the way with a secondary app called Loop. Loop gives customers a simpler, hassle free and awkward free way to share money among friends. Your team: Collaborators in change Key responsibilities include developing scorecards and affordability models. Other responsibilities also include monitoring of credit risk MI, identifying good / bad pockets to support credit risk strategy optimisation. Lending products include 1st and 2nd charge mortgages, secured motor loans, unsecured personal loans and unsecured home improvement loans. Your Impact: Building a greener tomorrow The Credit Risk Manager role reports into the Senior Credit Risk Manager. This role will support the Senior Credit Risk Manager (2nd line of defence) to provide oversight of end-to-end credit risk activities across all Tandem lending products - 1st and 2nd charge mortgages, secured motor loans, home improvement loans and personal loans. The Portfolio Credit Risk team sits within Credit Risk and ultimately the Risk &amp; Compliance function. The Portfolio Credit Risk team deliverables include - driving credit committee agenda, oversight of credit risk lending policies, driving the 2nd line credit risk assurance agenda and review &amp; challenge of proposals from 1st line ensuring changes to credit risk policy are in line with agreed risk appetite. Role responsibilities include: <ul><li>Support the 2nd line Credit Risk control and governance agenda including the implementation of the Credit Risk Management Framework across the Bank.</li><li>Support oversight of credit risk policies - includes policies relating to Responsible Lending, Affordability, Exceptions, Collections, Recoveries, Forbearance and Impairment. Ensure policies are in-line with relevant regulatory requirements and also support oversight to ensure adherence to policy - escalating risks / issues as appropriate.</li><li>Support the Senior Credit Risk Manager to drive Credit Committee agenda - includes identification of risk / issues relating to credit risk and escalating as appropriate.</li><li>Build analytics to develop credit risk appetite limits and work with the Business to seek approval from credit committee and senior committees.</li><li>Own implementation of Bank's credit risk assurance plan and conduct regular credit risk assurance reviews ensuring observations and recommendations are presented at credit committee.</li><li>Monitor progress against any credit risk related findings from internal/external audit, 2nd line assurance, model validation etc. Work through managing any risks / issues with respect to closure of findings.</li><li>Detailed technical review of the credit performance and credit risk profile of portfolios across the Bank, ensuring credit risk KPIs continue to be in line with agreed credit risk appetite.</li><li>Review watchlist cases on regular basis to ensure appropriate treatment from an impairment provisions and customer lens.</li><li>Review and challenge proposals from the Business (1st line) and provide 2nd line feedback / recommendation/s as part of credit committee governance.</li><li>Oversight and monitoring of the performance of new originations at appropriate level of granularity, including policy exceptions monitoring.</li><li>Lead review and challenge of credit risk models used for credit decisioning - to include provisions, affordability and scorecards - and provide 2nd line assessment of identified limitations and also recommendations as appropriate.</li><li>Work with Data team to ensure delivery of Credit Risk data requirements (e.g. for credit committee MI).</li><li>Work closely with colleagues across 1st line credit risk, Product, Operations, Finance and other areas of Risk to deliver team goals.</li><li>Deputise for Senior Credit Risk Manager on all Portfolio Credit Risk matters</li></ul>We'd love to hear from you if you have: <ul><li>Education: Bachelor's degree in maths / stats, finance, business, economics, or other quantitative related field.</li><li>Knowledge: a good knowledge of (consumer) credit risk management framework.</li><li>Knowledge : good understanding of credit risk appetite, quality assurance and quality control framework.</li><li>Knowledge: good understanding of consumer lending products</li><li>Knowledge: good understanding of affordability models, manual underwriting, impairment.</li><li>Computer skills: proficiency in Microsoft Office including Word, Excel and Power Point</li><li>Time management skills: good time management skills, the ability to effectively prioritise tasks, maintain timelines and manage/plan workloads effectively.</li><li>Good communication skills, both written and verbal with experience of tailoring communication for different audiences.</li><li>Strong report writing skills including writing papers (e.g. credit assurance reports) for credit committee and board level consumption. </li><li>Good influencing skills with ability to work through any challenges / conflict in a collaborative style. </li><li>Analytical mindset with the ability to use data to drive decision-making.</li><li>Proactive and innovative approach to problem-solving.</li></ul>It would be great, but not essential if you have: <ul><li>Extensive banking experience, with bulk of it being in the credit risk management domain.</li><li>Good understanding of credit risk management principles in consumer lending products, in particular, 2nd charge mortgages and motor finance.</li><li>Previous experience of driving credit committee agenda and performing credit risk assurance.</li><li>Previous experience of working in Fintech environment.</li></ul>Rewards that reflect your value, what's in it for you? At Tandem, your hard work is rewarded in many ways and we have an enhanced employee benefits package on offer from your very first day with us: <ul><li>25 days annual leave plus 8 days Bank Holiday </li><li>An additional day off for a 'celebration day' including, but not limited to, birthdays, weddings, religious holidays, graduations etc </li><li>Buy or sell up to 5 days holiday a year </li><li>Healthcare cash plan through Westfield Health worth a minimum of £750 per year </li><li>Electric Vehicle salary sacrifice scheme </li><li>Cycle to Work salary sacrifice scheme and a free helmet </li><li>Salary sacrifice Pension contribution*, 4% employee contributions matched with 4% Tandem contribution (*Subject to salary eligibility) </li><li>Smart Tech scheme (buy goods with 0% interest) </li><li>10% discount on solar panels </li><li>Tandem Hub for treats, cash back and discounts on UK retailers </li><li>2 days per year paid volunteering </li><li>Free cereal, snacks and drinks in all offices </li><li>Quarterly team social budgets </li></ul>Our Green Deal: Your Impact Amplified A little welcome gift from us to you, we'll plant a tree in the Tandem Grove and you can enter into our "Green Deal" below: <ul><li>Volunteer 2 days a year for charity &gt; receive an early Friday finish </li><li>Raise £200 per annum for charity &gt; Tandem provide PR and marketing support </li><li>Have renewable energy at home &gt; receive an additional 1 day annual leave </li><li>Drive an electric car &gt; receive £500 towards a home charger </li></ul>Ready to make your mark? Apply now and let's pave the way to a greener world, together. Our approach to DE&amp;I is reflected in our hiring process so please let us know if you require any reasonable adjustments. Sourcing Model Recruitment at Tandem works primarily on a direct sourcing model and does not accept resumes from recruitment agencies which are not on the preferred supplier list. We are not responsible for any related fees for resumes submitted to job postings, our employees, or any other part of our company. You can find our Applicant Privacy Policy on our Careers page. Tandem is an equal opportunity employer and are committed to meeting our responsibilities under the Equality Act (2010). We respect the diverse experience and talents that every individual brings to our Company, and we are determined to ensure that no applicant or employee receives less favourable treatment on the grounds of gender, age, disability, religion, belief, sexual orientation, marital status, or race, or is disadvantaged by conditions or requirements which cannot be shown to be justifiable. Please be aware that background checking (including credit and criminal records checks) form part of our recruitment process. We will adhere to our duties under the Rehabilitation of Offenders Act 1974.

Company Description Legal &amp; General looks after around 700,000 institutional customers who have their retirement benefits secured with us. Operating continuously in the UK market from our entrance in 1987, we are the UK's longest-running insurer. Our Institutional Retirement division provides pension risk transfer (PRT) solutions for UK and US defined benefit (DB) schemes, and reinsurance solutions from our global hub in Bermuda. We work with companies, DB pension schemes and their advisors to help them secure and protect scheme members' retirement benefits. Joining us means you'll support customers' financial security in retirement; help companies to settle their pension liabilities and focus on growing their businesses; and enable investment for the long term to back our pension promises. Job Description We're recruiting for a Financial Risk Modelling Senior Managerto join us. We're offering acompetitive base salary 12% car allowance and strong benefots package. What you'll be doing <ul><li>Leading and managing the delivery of financial risk modelling</li><li>Running stress tests and "what if" scenarios to review the effect this will have on our SCR</li><li>Reviewing results and assessing the risks faced by the business</li><li>Recommending and implementing strategies to mitigate risks and reduce exposure to serious events</li><li>Working closely with the internal model team to develop and run stress tests</li></ul>Qualifications Who we're looking for: <ul><li>Typically, you will be a Qualified Actuary with experience in Life Insurance</li><li>Good technical understanding of Solvency II and capital reporting</li><li>Experienced in running SSTs</li><li>Good capital modelling experience</li><li>Strong understanding of SCR and the associated regulations</li></ul>Whatever your role, we reward performance and behaviour with a package that looks after all the things that are important to you. Here are some of the benefits we offer: <ul><li>The opportunity to participate in our annual, performance-related bonus plan and valuable share schemes </li><li>Generous pension contribution </li><li>Life assurance </li><li>Private medical insurance (permanent employees only) </li><li>At least 25 days holiday, plus public holidays, 26 days after 2 years' service. There's also the option to buy and sell holiday </li><li>Competitive family leave </li><li>Participate in our electric car scheme, which offers employees the option to hire a brand-new electric car through tax efficient salary sacrifice </li><li>There are the many discounts we offer - both for our own products and at a range of high street stores and online </li><li>In 2023, some of our workspaces were redesigned. Our offices are great spaces to connect and collaborate and have your wellbeing at the heart </li></ul>Additional Information Legal &amp; General is a leading financial services group and major global investor, named Britain's Most Admired Company in 2023, for the second year running. Rated top in our sector and top for inspirational leadership, we have a strong heritage and an exciting future. We aim to build a better society for the long term by investing our customers' money in things that make life better for everyone. If you join us, you'll be part of a welcoming culture, with opportunities to collaborate with people of diverse backgrounds, views and experiences. Guided by leaders with integrity who care about your future and wellbeing. Empowered through initiatives which support people to develop their careers and excel. We strive to be open, mindful and inclusive, so are always willing to discussing flexible working arrangements and reasonable accommodations for candidates with specific needs. If you're open to find out more, we'd love to hear from you.

Financial Risk Modelling Senior Manager

Company Description Legal &amp; General looks after around 700,000 institutional customers who have their retirement benefits secured with us. Operating continuously in the UK market from our entrance in 1987, we are the UK's longest-running insurer. Our Institutional Retirement division provides pension risk transfer (PRT) solutions for UK and US defined benefit (DB) schemes, and reinsurance solutions from our global hub in Bermuda. We work with companies, DB pension schemes and their advisors to help them secure and protect scheme members' retirement benefits. Joining us means you'll support customers' financial security in retirement; help companies to settle their pension liabilities and focus on growing their businesses; and enable investment for the long term to back our pension promises. Job Description We're recruiting for a Financial Risk Modelling Senior Managerto join us. We're offering acompetitive base salary 12% car allowance and strong benefots package. What you'll be doing <ul><li>Leading and managing the delivery of financial risk modelling</li><li>Running stress tests and "what if" scenarios to review the effect this will have on our SCR</li><li>Reviewing results and assessing the risks faced by the business</li><li>Recommending and implementing strategies to mitigate risks and reduce exposure to serious events</li><li>Working closely with the internal model team to develop and run stress tests</li></ul>Qualifications Who we're looking for: <ul><li>Typically, you will be a Qualified Actuary with experience in Life Insurance</li><li>Good technical understanding of Solvency II and capital reporting</li><li>Experienced in running SSTs</li><li>Good capital modelling experience</li><li>Strong understanding of SCR and the associated regulations</li></ul>Whatever your role, we reward performance and behaviour with a package that looks after all the things that are important to you. Here are some of the benefits we offer: <ul><li>The opportunity to participate in our annual, performance-related bonus plan and valuable share schemes </li><li>Generous pension contribution </li><li>Life assurance </li><li>Private medical insurance (permanent employees only) </li><li>At least 25 days holiday, plus public holidays, 26 days after 2 years' service. There's also the option to buy and sell holiday </li><li>Competitive family leave </li><li>Participate in our electric car scheme, which offers employees the option to hire a brand-new electric car through tax efficient salary sacrifice </li><li>There are the many discounts we offer - both for our own products and at a range of high street stores and online </li><li>In 2023, some of our workspaces were redesigned. Our offices are great spaces to connect and collaborate and have your wellbeing at the heart </li></ul>Additional Information Legal &amp; General is a leading financial services group and major global investor, named Britain's Most Admired Company in 2023, for the second year running. Rated top in our sector and top for inspirational leadership, we have a strong heritage and an exciting future. We aim to build a better society for the long term by investing our customers' money in things that make life better for everyone. If you join us, you'll be part of a welcoming culture, with opportunities to collaborate with people of diverse backgrounds, views and experiences. Guided by leaders with integrity who care about your future and wellbeing. Empowered through initiatives which support people to develop their careers and excel. We strive to be open, mindful and inclusive, so are always willing to discussing flexible working arrangements and reasonable accommodations for candidates with specific needs. If you're open to find out more, we'd love to hear from you. Videos To Watch <a href="https://youtu.be/8ZYGBwImH08" target="_blank">https://youtu.be/8ZYGBwImH08</a> <a href="https://www.youtube.com/watch?v=ZBOaxOH1C2c" target="_blank">https://www.youtube.com/watch?v=ZBOaxOH1C2c</a> <a href="https://youtu.be/YwHNjdPbbkk" target="_blank">https://youtu.be/YwHNjdPbbkk</a>

Lead Asset Risk Modelling Engineer - Asset Management Prenton Competitive Salary Flexible/Hybrid working pattern Closing Date: 13 September 24 Help us create a better future, quicker Asset Risk Modelling is central to how we manage our assets and maintain a safe, reliable, and secure network to deliver electricity to our customers now and in the future. The Asset Modelling team are expanding to deliver on our aspirations; we identify improvements to existing processes and develop new models (in Excel, Python, VBA, Power Apps, Access) to determine asset risk, and subsequently inform and prioritise modernisation on the network. As Lead Engineer, you will play a pivotal role in ensuring the visibility of our power assets, by optimising their performance through data insights and risk management to contribute to a greener, more sustainable future. What you'll be doing Directly reporting to the Asset Risk Modelling Manager, you will have responsibility for leading and execution of specific workstream deliverables within the Asset Management &amp; Investment Team. You will lead specific workstreams to deliver the continuous improvements targeted by our operating plan, including automating data integration, reviewing our asset strategies in line with industry best practice and exploring innovative solutions to manage the risk of our network. You will have responsibility for maintaining &amp; improving our existing asset risk models, enhancing asset data quality through data analysis and also deriving useful insights and visualisations to help communicate and manage the Distribution Network (LV - 132kV) in Scotland and the North-West of England &amp; Wales. You will work alongside our expert asset risk engineers to develop models in line with relevant strategies, policies, and our RIIO-ED2 business plans for the network to minimise system, economic, safety and environmental risks. You will support maximising the performance of the distribution system expected by our customers, stakeholders, delivering the best returns in both the short and long term and enabling our wider Net Zero ambitions. What you'll bring <ul><li>Understanding of asset management concepts &amp; practices, systems engineering and model development, with the ability to write and develop functionality for varying end uses.</li><li>Strong background in data handling and processing to obtain useful insights and identify opportunities for improvement.</li><li>Ability to analyse and evaluate a complex range of technical, regulatory, commercial, and environmental factors in proposing innovative network developments that are efficient, co-ordinated, and economic.</li><li>Ability to devise solutions to complex problems/challenges and deliver large highly complex computationally intensive projects quickly to a very high standard.</li><li>Ability to manage innovative data projects whilst working with a range of internal and external stakeholders.</li><li>Understanding of distribution and transmission network design across the UK and internationally or knowledge of CNAIM - risk calculations.</li><li>Good influencing and communication skills with the ability to convey technical concepts to different audiences verbally and in writing.</li></ul>Minimum Criteria <ul><li>Degree in relevant engineering discipline or HND with suitable experience</li><li>Preferably registered with the Engineering Council as a Chartered Engineer, or actively working towards this.</li></ul>What's in it for you As well as a competitive salary which is reviewed annually, you can also enjoy a number of other benefits. With our pension scheme, we'll double match your contribution up to a company contribution of 10%. At ScottishPower, we believe it's the little things we do in life that make a big difference. From helping you look after your family's wellbeing, save for your future and take personal steps for climate action - our benefits are designed to help you do just that - so that you have everything you need to take care of your world - today and tomorrow. That's why our benefits include: <ul><li>36 days annual leave.</li><li>Holiday purchase - perfect your work/life balance with extra annual leave.</li><li>Share Incentive Plan and Sharesave Scheme.</li><li>Payroll giving and charity matched funding.</li><li>Technology Vouchers - save more and spread the cost of your technology purposes.</li><li>Count us in - pledge to reduce carbon emissions and help fight climate change.</li><li>Electric Vehicle Schemes - to help you transition to green/clean driving.</li><li>Cycle to Work scheme and public transport season ticket loans.</li><li>Options to purchase dental insurance, private medical insurance, health cash plan and annual health assessments.</li><li>Life Assurance (4x salary).</li><li>Access to 'nudge' financial wellbeing support.</li><li>Plus shopping, leisure, restaurant and gym discounts, and unique employee deals on travel insurance and more.</li></ul>Why SP Energy Networks SP Energy Networks is part of the Iberdrola Group, one of the world's largest integrated utility companies and a world leader in wind energy. We keep electricity flowing to homes and businesses through Central and Southern Scotland, North Wales and in the North West of England. We operate over 4000km of cables and lines that make-up the transmission network - connecting infrastructure like wind farms into the electricity system. It's a role that puts us right at the heart of Scotland's ambition to be Net Zero by 2044. And we're taking it very seriously. We're investing &gt;£5.5 billion into our transmission network, directly supporting the rapid growth needed in renewable energy. With diverse opportunities across our businesses and a commitment to invest in our own internal talent, ScottishPower can offer people real career opportunities that meet personal and professional goals, in a global organisation. Inclusion, diversity, and a social purpose are at the heart of everything we do. Together with our values, they bring us together into a stronger, more sustainable business with direct links to the communities we serve. It takes all kinds of people to build a large-scale business like ours, so whatever your background, you'll fit right in. We are committed to providing reasonable support or adjustments in our recruiting processes for candidates with disabilities, long term conditions, mental health conditions, or who are neurodivergent or require pregnancy-related support. If you need support, please reach out to <a href="mailto:careers@scottishpower.com" target="_blank">careers@scottishpower.com</a>. Mobility Please note that any applicant who is not a citizen of the country of the vacancy will be subject to compliance with the applicable immigration requirements to legally work in that country. If/when required, the Company will support the employee with the necessary Immigration requirements. IMPORTANT Advert will close at 23:59 GMT the day before Job Posting End Date below October-14-2024

Lead Asset Risk Modelling Engineer - Asset Management

The Vacancy OVERALL SUMMARY At Close Brothers we look to recruit individuals from all different backgrounds and encourage you to apply even if you don't tick every box. We celebrate diversity, promote inclusivity and are open to discuss flexible work options to help you balance your work and home life. Join the Close Brothers Credit Risk team where you will lead a team of analysts to set / manage risk appetite and develop, deliver &amp; monitor credit risk new business strategies for the Motor Finance portfolio. Working as part of the Credit Risk team, our ideal team member will have previous experience in managing a high performing credit risk team within a consumer credit risk function with excellent communication skills. RESPONSIBILITIES <ul> <li>Monitor credit risk performance against agreed plans, targets and budgets and work with the wider business to agree the action required to address any performance issues and/or to capitalise on opportunities</li> <li>Develop and provide high quality credit risk related MI, insight and advice to the key committees and other major stakeholders to support informed decision making</li> <li>Support the delivery, development and ongoing monitoring of credit decision strategies and scoring capabilities</li> <li>Monitor and develop affordability strategies across Motor, working closely with 1st line and 2nd line to ensure strategies adhere to regulation and deliver good customer outcomes</li> <li>Develop credit policy whilst supporting the delivery of business objectives and aligning with Group Credit Risk Standards</li> <li>Ensure all credit governance requirements are adhered to including timely completion of RCSAs, policy reviews, quality assurance, mandate reviews, audit remediation, incident management and escalation</li></ul>Developing Our People: as a line manager, you will be responsible for inspiring and motivating your team, as well as developing performance through coaching. You will encourage your team to take responsibility for their own personal development and provide support through regular feedback. WE WOULD LOVE TO HEAR FROM YOU IF: <ul> <li>You have in depth understanding of credit risk across the lifecycle but with specific expertise in acquisition including the setting of credit and affordability strategies, policies, underwriting, bureau data and credit systems</li> <li>You have experience managing a high performing credit risk team within a consumer credit risk function combined with experience in applying and managing complex modelling concepts within credit risk</li> <li>You have experience implementing credit policies, affordability strategies and appropriate risk control frameworks in a FCA regulated environment, with an understanding of UK regulatory &amp; legal requirements</li> <li>You have experience of leading, developing and coaching a highly effective analytical credit team</li></ul>IT IS NOT ESSENTIAL BUT IT WOULD BE GREAT IF YOU: <ul> <li>Have experience of delivering and managing credit scoring in a Retail environment or close working with scorecards and scorecard development</li> <li>Have strong coding skills, with experience using tools such as SAS or equivalent</li></ul>We are an inclusive organisation and committed to ensuring our recruitment process is as accessible as possible to everyone. We will make adjustments for people who have a disability or long-term condition. If you need the job description or application form in an alternative format or would like to discuss the recruitment process with us, please email us at <a href="mailto:recruit.ssc@closebrothers.com" target="_blank">recruit.ssc@closebrothers.com</a> or request a call back. ABOUT US For roles offering hybrid working: At Close Brothers we support employees to balance their work life priorities and in this role you will be able to enjoy a mixture of hybrid working. Close Brothers is a leading UK merchant banking group providing lending, deposit taking, wealth management services and securities trading. At Close Brothers we provide financial support and advice to small businesses and individuals in the UK. Our purpose is to help the people and businesses of Britain thrive over the long term. To find out more about Close Brothers, please visit our careers page: <a href="https://www.closebrothers.com/careers" target="_blank">https://www.closebrothers.com/careers</a> To find out more about life at Close Brothers: <a href="https://www.closebrothers.com/life-close-brothers#374017299-899295541" target="_blank">https://www.closebrothers.com/life-close-brothers#374017299-899295541</a> To find out more about our benefits: <a href="https://www.closebrothers.com/employee-benefits" target="_blank">https://www.closebrothers.com/employee-benefits</a> To find out more about our commitment to creating an inclusive environment: Our Responsibility - Diversity and inclusion ¦ Close Brothers Group #LI-TG1 #LI-Hybrid The Company Close Brothers is a leading UK merchant banking group providing lending, deposit taking, wealth management services and securities trading. We employ over 3,500 people, principally in the UK. Close Brothers Group plc is listed on the London Stock Exchange and is a member of the FTSE 250.We remain focused on markets and services we know and understand, developing leading positions and unrivalled expertise. Our approach is prudent and considered enabling us to grow sustainably, through all market conditions, building confidence among our depositors and investors. Our businesses have remained local as we continue to provide bespoke services, and developing long-term relationships ensuring our success in the future. We value our clients over everything else. What they do is important - they are the doers and makers of things, the wealth creators, the investors and the savers. We ensure our services meet their specific needs and invest to support them as they grow. These principles, founded in our past but applied to the modern world today, represent what we describe as 'modern merchant banking' - values that are embedded in our culture and that underpin everything we do. Inclusion The Benefits Private medical Discounted health checks Stakeholder pension contribution Gym discounts Cycle to work scheme Save As You Earn scheme Purchase additional holiday Previous Next Charity &amp; Sustainable work At Close Brothers, we are dedicated to helping the charities that matter most to our employees. Our donations continue to increase year on year thanks to our fundraising efforts and matched giving schemes to our employees' favourite charities. We continue to seek out new ways to give as a group and to help employees who give their valuable time and money to causes close to them. To find out more detail please follow the link below: <a href="https://www.closebrothers.com/charity" target="_blank">https://www.closebrothers.com/charity</a>. Sustainability is fundamental to our purpose, and we recognise that to help the people and businesses of Britain thrive over the long term, we also have a responsibility to help address the social, economic and environmental challenges facing our business, employees and customers, now and into the future. To find out more detail please follow the link below: <a href="https://www.closebrothers.com/sustainability" target="_blank">https://www.closebrothers.com/sustainability</a>.

Credit Risk Manager (Acquisition)

Job Description Are you ready to write your next chapter? Make your mark at one of the biggest names in payments. With proven technology, we process the largest volume of payments in the world, driving the global economy every day. When you join Worldpay, you join a global community of experts and changemakers, working to reinvent an industry by constantly evolving how we work and making the way millions of people pay easier, every day. What makes a Worldpayer? It's simple: Think, Act, Win. We stay curious, always asking the right questions to be better every day, finding creative solutions to simplify the complex. We're dynamic, every Worldpayer is empowered to make the right decisions for their customers. And we're determined, always staying open - winning and failing as one. We're looking for a Credit Risk Manager to join our ever evolving Legal, Risk, Compliance &amp; Audit team to help us unleash the potential of every business. The primary responsibility of the Worldpay Credit team member is to review large credit risk exposure accounts with a focus on the merchant's credit fundamentals. Analysis is performed to ensure adequate financial strength in relation to the potential exposure generated from the payment processing relationship. As a team member, you will perform thorough financial analysis on prospective and current merchants, while collaborating with internal and external partners to mitigate and manage risk to Worldpay. Are you ready to make your mark? Then you sound like a Worldpayer. About the team Our Legal, Risk, Compliance and Audit teams ensure we're doing business the right way. They help us balance a healthy risk appetite, so we're empowered to expand our horizons. What you'll own <ul><li>Obtains and reviews the financial statements of merchants</li><li>Performs extensive analysis of financial statements and providing an assessment of their credit profile and making supportable recommendations for exposure</li><li>Effectively evaluates complex business arrangements and structures; able to dive deep into the background and operations of a merchant.</li><li>Recommend and establish appropriate credit limits and collateral to minimize and manage risk; Position may be granted credit authority</li><li>Communicates effectively and professionally with internal and external clients</li><li>Exercises sound judgment in assessing potential regulatory and reputational risks</li><li>Monitors and communicates credit concerns to management</li><li>Role is hybrid and requires 2-3 days in office</li></ul>Where you'll own it You'll own it in our Atlanta, GA or Cincinnati, OH hub. While we're a large team of Worldpayers based in North America, we have collaborative spaces and regular opportunities to celebrate with each other in person. What you bring <ul><li>Skills and expertise needed to perform the job requirements listed above, at minimum:</li><li>5-8 years of experience analyzing and spreading financial statements, performing credit analysis and drafting credit memos</li><li>Effective communication skills; attention to detail</li><li>Strong judgment and decision-making skills</li><li>Self-starter, able to work independently; possesses a strong sense of ownership</li><li>Ability to creatively solve problems and achieve company objectives</li><li>Time management skills with ability to multitask</li></ul>Preferred Additional Requirements: <ul><li>Knowledge of merchant acquiring services and the payment processing industry</li><li>Degree in Finance, Accounting, or similar formal credit training</li></ul>Worldpay perks - what we'll bring for you We know it's bigger than just your career. It's your life, and your world. That's why we offer global benefits and programs to support you at every stage. Here's a taste of what you can expect. <ul><li>A competitive salary and benefits.</li><li>Time to support charities and give back to your community.</li><li>Parental leave policy.</li><li>Global recognition platform.</li><li>Virgin Pulse access.</li><li>Global employee assistance program.</li></ul>What makes a Worldpayer At Worldpay, we take our Values seriously, and we live them every day. Think like a customer, Act like an owner, and Win as a team. <ul><li>Curious. Humble. Creative. We ask the right questions, listening and learning to get better every day. We simplify the complex and we're always looking to create a bigger impact for our colleagues and customers.</li><li>Empowered. Accountable. Dynamic. We stay agile, using our initiative, taking calculated risks to progress. Never standing still, never settling, we work at pace to achieve our goals. We champion our ideas and stay flexible to make them happen. We know that every action adds up.</li><li>Determined. Inclusive. Open. Unlocking potential means working as one global community. Our work spans borders, and we stay united by our purpose. We collaborate, always encouraging others to perform at their best, welcoming new perspectives.</li></ul>Does this sound like you? Then you sound like a Worldpayer. Apply now to write the next chapter in your career. We can't wait to hear from you. To find out more about working with us, find us on LinkedIn. Privacy Statement Worldpay is committed to protecting the privacy and security of all personal information that we process in order to provide services to our clients. For specific information on how Worldpay protects personal information online, please see the Online Privacy Notice. EEOC Statement Worldpay is an equal opportunity employer. We evaluate qualified applicants without regard to race, color, religion, sex, sexual orientation, gender identity, marital status, genetic information, national origin, disability, veteran status, and other protected characteristics. The EEO is the Law poster is available here supplement document available here For positions located in the US, the following conditions apply. If you are made a conditional offer of employment, you will be required to undergo a drug test. ADA Disclaimer: In developing this job description care was taken to include all competencies needed to successfully perform in this position. However, for Americans with Disabilities Act (ADA) purposes, the essential functions of the job may or may not have been described for purposes of ADA reasonable accommodation. All reasonable accommodation requests will be reviewed and evaluated on a case-by-case basis. Sourcing Model Recruitment at Worldpay works primarily on a direct sourcing model; a relatively small portion of our hiring is through recruitment agencies. Worldpay does not accept resumes from recruitment agencies which are not on the preferred supplier list and is not responsible for any related fees for resumes submitted to job postings, our employees, or any other part of our company. #pridepass

Credit Risk Manager - US Large Credit Risk / Merchant Underwriting

Job Description: Job Title Market Risk Manager Location London Corporate Title Associate/Assistant Vice President As a Market Risk Manager covering the Rates Non-Linear business, you will ensure the effective risk management and oversight of one of the most successful and growing businesses within Global Rates. You will partner with colleagues who focus on Valuation management to raise the level of Market Risk awareness across the function and ensure understanding of all the possible drivers of Profit and Loss. Working directly with the traders within a very dynamic and cooperative team, your decisions will ensure we can successfully support business growth within the bank's Risk Appetite. What we'll offer you A healthy, engaged and well-supported workforce are better equipped to do their best work and, more importantly, enjoy their lives inside and outside the workplace. That's why we are committed to providing an environment with your development and wellbeing at its centre. You can expect: <ul><li>Hybrid Working - we understand that employee expectations and preferences are changing. We have implemented a Hybrid Working Model that enables eligible employees to work remotely for a part of their working time and reach a working pattern that works for them</li></ul><ul><li>Competitive salary and non-contributory pension</li></ul><ul><li>30 days' holiday plus bank holidays, with the option to purchase additional days</li></ul><ul><li>Life Assurance and Private Healthcare for you and your family</li></ul><ul><li>A range of flexible benefits including Retail Discounts, a Bike4Work scheme and Gym benefits</li></ul><ul><li>The opportunity to support a wide ranging CSR programme + 2 days' volunteering leave per year</li></ul>Your key responsibilities <ul><li>Daily monitoring of risk, stress and Value-at-Risk (VaR) exposures, ensuring risk completeness and accuracy (for example by monitoring closely and understanding the Profit &amp; Loss drivers every day)</li></ul><ul><li>Developing risk reports (including reviewing current reporting and implementing changes) which provide comprehensive high-level view of the complex risks in the portfolio (for the eyes of senior management)</li></ul><ul><li>Liaising with desk starts and quants teams to enhance reporting protocols and provide bespoke analysis as required</li></ul><ul><li>Running stress testing analyses to better quantify the different cross-asset and non-linear risks that the desk runs</li></ul><ul><li>Keeping abreast of latest news and possible implications to the markets and the positions that the desk runs</li></ul><ul><li>Liaising with trading desks with respect to exposures, new business and market activity</li></ul>Your skills and experience <ul><li>Experience in market risk management, either as a second line (market risk) or as a first line (trading, structuring) of defence, ideally in Rates. Experience in roles such as valuation will be considered</li></ul><ul><li>Experience in markets-related roles, with great understanding of the impact of financial and economic events on markets and market risk positions</li></ul><ul><li>Numerical skills and ability to understand and represent data, in Excel and/or Python</li></ul><ul><li>Experience and ability to work in a fast-paced environment, working with a variety of teams, communicating well and concisely</li></ul><ul><li>Innovative and someone who can works collaboratively in a team with diverse skillsets</li></ul>How we'll support you <ul><li>Training and development to help you excel in your career</li></ul><ul><li>Flexible working to assist you balance your personal priorities</li></ul><ul><li>Coaching and support from experts in your team</li></ul><ul><li>A culture of continuous learning to aid progression</li></ul><ul><li>A range of flexible benefits that you can tailor to suit your needs</li></ul><ul><li>We value diversity and as an equal opportunities' employer, we make reasonable adjustments for those with a disability such as the provision of assistive equipment if required (e.g. screen readers, assistive hearing devices, adapted keyboards)</li></ul>About us Deutsche Bank is the leading German bank with strong European roots and a global network. Click here to see what we do. Deutsche Bank in the UK is proud to have been named a The Times Top 50 Employers for Gender Equality 2024 for five consecutive years. Additionally, we have been awarded a Silver Award from Stonewall for two years running and named in their Top 100 Employers for 2023 for our work supporting LGBTQ+ inclusion. Our values define the working environment we strive to create - diverse, supportive and welcoming of different views. We embrace a culture reflecting a variety of perspectives, insights and backgrounds to drive innovation. We build talented and diverse teams to drive business results and encourage our people to develop to their full potential. Talk to us about flexible work arrangements and other initiatives we offer. We promote good working relationships and encourage high standards of conduct and work performance. We welcome applications from talented people from all cultures, countries, races, genders, sexual orientations, disabilities, beliefs and generations and are committed to providing a working environment free from harassment, discrimination and retaliation. Visit Inside Deutsche Bank to discover more about the culture of Deutsche Bank including Diversity, Equity &amp; Inclusion, Leadership, Learning, Future of Work and more besides.

Market Risk Manager

Firm Risk Management (FRM) supports Morgan Stanley to achieve its business goals by partnering with business units across the Firm to realize efficient risk-adjusted returns, acting as a strategic advisor to the Board and protecting the Firm from exposure to losses as a result of credit, market, liquidity, operational, model and other risks. This role resides within FRM's Model Risk Management Department which is dedicated to providing independent model risk control, review and validation of models used by Morgan Stanley. These include derivative pricing models utilized across product areas including interest rates, currencies, commodities, equities, credit, and securitized products. This is in addition to oversight of models used to monitor counterparty credit risk (XVA/IMM), credit risk (IRB), market risk (IMA), operational risk, capital and liquidity stress tests. Model Risk Management (MRM) professionals in New York, London, Budapest, Frankfurt, Mumbai and Tokyo work closely with business quantitative strategists, risk analytics and risk managers. What will you be doing? - Conduct model validation for XVA models by challenging model assumptions, mathematical formulation, and implementation -Conduct independent testing to assess model accuracy and robustness under different scenarios and market conditions, including, where appropriate the evaluation of developer documentation and testing -Assess, quantify and communicate to stakeholders model risks due to model limitations and compensating control -Highlight risks and limitations of models and communicate findings to stakeholders, senior management, and governance committee -Collaborate with Global MRM teams, XVA Strategists, Model Control Officers, Valuation Control and Risk Managers to manage model risk across the model lifecycle -Assist in cultivating and managing effective relationships with regulators by providing accurate and timely submission Qualifications: What we are looking for? -Masters or Ph.D. degree (or equivalent) in Finance, Economics, Mathematics, Physics, Engineering, or a related quantitative field -In-depth knowledge of mathematical finance, derivative pricing, and numerical technique -Relevant working experience of 5+ year -The ideal candidate has strong experience with valuation models gained at a financial institution -Experience developing pricing and risk models using Python -The ability to effectively communicate with a wide range of stakeholders, both written and verbally -The ability to work independently in a self-directed way in a collaborative, team-oriented environment -An interest in working in a fast-paced environment, often balancing multiple high priority deliverable Expected base pay rates for the role will be between $120,000 and $200,000 year at the commencement of employment. However, base pay if hired will be determined on an individualized basis and is only part of the total compensation package, which, depending on the position, may also include commission earnings, incentive compensation, discretionary bonuses, other short and long-term incentive packages, and other Morgan Stanley sponsored benefit programs. Morgan Stanley's goal is to build and maintain a workforce that is diverse in experience and background but uniform in reflecting our standards of integrity and excellence. Consequently, our recruiting efforts reflect our desire to attract and retain the best and brightest from all talent pools. We want to be the first choice for prospective employees. It is the policy of the Firm to ensure equal employment opportunity without discrimination or harassment on the basis of race, color, religion, creed, age, sex, sex stereotype, gender, gender identity or expression, transgender, sexual orientation, national origin, citizenship, disability, marital and civil partnership/union status, pregnancy, veteran or military service status, genetic information, or any other characteristic protected by law. Morgan Stanley is an equal opportunity employer committed to diversifying its workforce (M/F/Disability/Vet).

The opportunity - Assistant Risk Manager - London (site based 3 days per week) Project: Mace has been appointed on a framework for a transport client. The successful Assistant Risk Manager (project not enterprise) will work on large-scale complex rail, road, bus or even propert related projects. Mace Consult will provide Project Controls / PMO services for the new build construction work of multiple secure sites throughout the UK. The role will be: <ul> <li> Manages and directs Clients, consultants, contractors, project team on assigned commission(s) on all risk management matters. </li> <li> Partners with clients meeting their expectations and building strong professional relationships. </li> <li> Provides expert advice and support to Project/Programme teams in the administration of the risk process, particularly with respect to the risks to achievement of key project objectives and escalation of risks. </li> <li> Facilitates and drives the delivery of risk workshops. </li> <li> Works with Project Managers to recognise opportunities and mitigations to minimise risk exposure. </li> <li> Accountable for ensuring risk mitigation action plans are developed, risk and action owners appointed and that project plans are updated accordingly and monitored. </li> <li> Comments on the adequacy of contingency as part of the regular reporting cycle as required. </li> <li> Develops and delivers monthly risk reports, externally to the client and internally to the project team. </li> <li> Ensures all activities/operations are carried out in line with Mace Control Centre, Client requirements and prevailing legislation. </li> <li> Utilises expertise to mentor and assist the personal and career development of junior members of risk team. </li> <li> Leads the integration of risk with PMO and Planning disciplines.</li> </ul>

Assistant Risk Manager

Job Description Your Responsibilities An opportunity has arisen for a Market Risk Manager to be responsible for diligently assisting in managing the organisation's risk and helping to implement, oversee and maintain the Risk Management Framework inclusive of the Risk Appetite and Risk Tolerances within the firm and in line with its strategic plans and its third party outsourced activities. This includes assisting in developing and maintaining detailed risk management policies and processes and providing specialist support and advice to the business, working with key business stakeholders to facilitate the improvement of the Risk Management Framework across the firm. The main duties of this role will include: * Monitoring risk metrics methodologies including but not exclusively (VaR, Stress Test, Back testing, Greeks, concentration risk exposure and what if scenarios); * Analysing daily risk reports, including but not limited to, portfolio backtest breaches, product backtest breaches (CFD, FX), market risk report, accounts on negative account value at market and accounts with negative option value; * Real-time risk monitoring of clients using Reuters and Risk Platforms; * Market review to facilitate application of margin multipliers to volatile products; * Maintenance of firms daily stress-testing framework: focused on assessing the impacts of several market scenarios on client P&amp;L's. * Assessing stress-test result vs. client profile and communicating findings to senior management; * Client profile development for new clients from a market risk perspective (adhoc stress testing vs market volatility in instruments traded) to setting Client Initial Margin Limits * Ownership of in-house developed CFD &amp; FX VaR risk margin models; * Analysing suitability of initial margin for new products (CFD and FX); * Liquidity stress testing and analysis; * Producing and communicating key risk reports for senior management; * Presenting to Directors on a weekly basis of Market Risk Dashboard * Understanding impact of liquidity on trading constraint for front office; * Liaising with the Exchanges and Clearing Houses (ICE, LME) regarding risk topics (margin calls, margin rates, contract specifications); * Participation in Exchange Default Simulations for which firm are members; * Ability to liaise with front-office and discuss risk exposure, margin scenarios and position limit setting * Development of daily reports using SQL/VBA. The successful candidate will possess the following: * Experience working with Equities, CFDs and Commodities an advantage * Intermediate/Advanced SQL, VBA Knowledge * Advanced Excel knowledge * Excellent knowledge of industry best risk management practice * Experience in developing and implementing risk management policies and processes * Ability to understand and articulate the commercial benefits of effective risk management * Excellent communication, relationship management and influencing skills * Ability to analyse, present and report risk management data to Directors * Ability to provide and respond to challenge at senior/executive level * Ability to adapt and respond to change * Minimum of 5 years previous experience in a risk management role within financial services/brokerage firm * Background in Futures and Options Morgan McKinley is acting as an Employment Agency and references to pay rates are indicative. BY APPLYING FOR THIS ROLE YOU ARE AGREEING TO OUR TERMS OF SERVICE WHICH TOGETHER WITH OUR PRIVACY STATEMENT GOVERN YOUR USE OF MORGAN MCKINLEY SERVICES.

Market Risk Manager - Brokerage

Job description We have an exciting opportunity for an Assistant Manager to join our Credit Risk Assurance team. We are a specialist function within KPMG's Audit Practice whose purpose it is to review and challenge complex statistical models used within audited entities as part of the overall financial audit process. Our team is made up of credit risk analysts from a broad and diverse range of quantitative backgrounds, including mathematics, engineering, physics, econometrics, and statistics. As a Credit Risk Modelling Assistant Manager, you will have a technical specialist role supporting the external audit of credit risk models (IFRS9, CECL, etc). Your specific responsibility will be to execute and document the quantitative testing conducted by the team. The role offers exposure to a wide range of techniques used by institutions, from globally systemically important banks to small credit providers. It also provides access to the latest technology, including cloud-based data processing and software packages like Python, R and SAS. <ul><li> Organising and executing workstreams of quantitative testing. </li><li> Conducting assessments of audited entity model documentation (e.g., model development, validation, monitoring documentation) against the requirements of the accounting standard as well as industry practice. </li><li> Annotating code produced by an audited entity and reconciling code functionality / variables back to documentation. </li><li> Reperforming the output of an audited entity's code by rerunning it in the appropriate software package. </li><li> Reperforming the output of an audited entity's code using code developed independently from an entity's documentation using an appropriate software package. </li><li> Determining independent estimates of a model's output using KPMG assumptions. </li><li> Completing associated documentation for quantitative testing in a clear and succinct manner. </li><li> Supervising, coaching and training junior team members on engagements. </li></ul>

Assistant Manager - Credit Risk Modelling

Job Description We're AtkinsRéalis, a world-leading design, engineering, and project management organization. We connect people, data, and technology to transform the world's infrastructure and energy systems. Become a vital member of our Project &amp; Programme Services team, proudly taking on some of the world's most exciting and prestigious projects. Join us, and you'll be part of our genuinely collaborative environment, where everyone is supported to make the most of their talents. It's about recognizing everyone's contributions equally while delivering excellence together. Flexible and remote working are central to our culture, so talk to us about what's important to you, from reduced weeks to buying more leave, and how we can make reasonable adjustments for you or support your ambitions outside of work. Join our Risk Management team and make a positive impact working on the most significant and complex infrastructure projects. Here your expertise in risk management across the construction, energy, or infrastructure sectors is highly valued. Collaborating with colleagues as talented as you, you'll lead projects ranging in value from £20m+ to £20Bn+, gaining diverse experience with a rewarding variety of high-profile clients across multiple sectors. Responsibilities: <ul><li>Support the successful delivery of risk management services in a consistent, professional manner with the aim of exceeding client expectations.</li><li>Implement effective risk management activities to actively reduce risk exposure and uncertainty on projects &amp; programmes.</li><li>Support development and implementation of risk management approaches/systems for clients, incorporating best practice and procedures.</li><li>Facilitate workshops and engage with project teams to ensure the effective implementation of risk management.</li><li>Support risk analyses using industry recognised software / databases.</li><li>Support preparation of risk reports summarising outputs to suit needs of the project / programme.</li></ul>Requirements: <ul><li>A recognised diploma or degree with a qualification in risk management is desirable.</li><li>Awareness of Risk Management processes aligned with ISO31000/ Institute of Risk Management / Association of Project Management methodologies and techniques.</li><li>Aptitude for learning and motivated to take on new challenges.</li></ul>To do well in this role you'll need to be able to demonstrate the following: <ul><li>A confident and professional manner, coupled with excellent communication skills, with clients and colleagues alike, to ensure clarity in all situations and to effectively influence.</li><li>An analytical thinker, you'll also be able to show initiative and examples of creativity.</li><li>Self-motivated and able to work well on your own initiative.</li><li>Highly organised and able to prioritise.</li><li>Ability to collaborate and build relationships across the wider teams.</li><li>Ability to work well under pressure and proven ability to deliver to deadlines.</li></ul>Why work for AtkinsRéalis? Join our Project &amp; Programme Services team and expand your career on some of the industry's most exciting and newsworthy construction projects - from Sizewell C to the world's tallest hotel, London's Heathrow Airport to Europe's first eco-friendly mosque. You'll enjoy invaluable exposure to international expertise as well as innovation in local niche areas. Communities are at the heart of our work and our people are proud to be working towards a Net Zero Carbon future and regenerating cities across the UK. <a href="https://careers.atkinsrealis.com/csr" target="_blank">https://careers.atkinsrealis.com/csr</a> AtkinsRéalis is committed to developing its people both personally and professionally. Our colleagues have the advantage of access to a high ranging training portfolio and development activities designed to help make the best of individual's abilities and talents. We also actively support staff in achieving corporate membership of relevant institutions. <a href="https://careers.atkinsrealis.com/" target="_blank">https://careers.atkinsrealis.com/</a> Meeting your needs: To help you get the most out of life in and outside of work, we offer employees "Total Reward." It's a package that can be tailored to your changing lifestyle, career and personal needs. Making sure you're supported is important to us. So, if you identify as having a disability, tell us ahead of your interview, and we'll discuss any adjustments you might need. New name, new era. We are AtkinsRéalis. It will take some time for all our information to update - you can still refer to our fantastic benefits via the link below. <a href="https://yourrewarduk.snclavalin.com/" target="_blank">https://yourrewarduk.snclavalin.com/</a> Additional Information: This role may require security clearance and offers of employment will be dependent on obtaining the relevant level of clearance. If this is necessary, it will be discussed with you at interview. The vetting process is delivered by United Kingdom Security Vetting (UKSV) and may require candidates to provide proof of residency in the UK of 5 years or longer. If applying to this role please do not make reference to (in conversation) or include in your application or CV, details of any current or previously held security clearance. We are committed to promoting a diverse and inclusive community - a place where we can all be ourselves, thrive and develop. To help embed inclusion for all, from day one, we offer a range of family friendly, inclusive employment policies, flexible working arrangements and employee networks to support staff from different backgrounds. As an Equal Opportunities Employer, we value applications from all backgrounds, cultures and ability. Learn more. Worker Type Employee Job Type Regular At AtkinsRéalis, we seek to hire individuals with diverse characteristics, backgrounds and perspectives. We strongly believe that world-class talent makes no distinctions based on gender, ethnic or national origin, sexual identity and orientation, age, religion or disability, but enriches itself through these differences.

Assistant Risk Manager (Infrastructure)

Head of Risk &amp; Compliance Department: Finance Employment Type: Full Time Location: London Description The Head of Risk and Compliance at Reward is accountable for leading and overseeing the organization's comprehensive governance of information security, risk, compliance, quality, and sustainability management. This role includes identifying, assessing, and mitigating risks, ensuring strict adherence to regulatory requirements, and developing robust policies and procedures to align with the organization's strategic goals. This leadership position requires extensive experience and expertise in information security governance, risk management, and compliance. The role involves collaborating closely with senior management, various departments, and external stakeholders to cultivate a culture of compliance and heightened risk awareness across the organization. They are the primary liaison for client compliance teams and play a critical role in safeguarding Reward's brand and reputation. Reward seeks a dynamic individual who is passionate about making a substantial impact within a high-growth, high-performing organisation, driven by the opportunity to excel in this key strategic function. Key Responsibilities Risk Management: <ul><li>Develop and implement comprehensive risk management frameworks and strategies.</li><li>Identify, assess, and mitigate operational, financial, legal, and strategic risks.</li><li>Monitor and report on risk exposure and the effectiveness of risk management processes.</li><li>Conduct regular risk assessments, audits, and implement corrective actions.</li><li>Advise senior management on risk-related issues and recommend mitigation strategies.</li></ul>Compliance Management: <ul><li>Ensure compliance with all relevant laws, regulations, and industry standards.</li><li>Develop, implement, and maintain compliance policies and procedures.</li><li>Oversee compliance training programs for employees.</li><li>Monitor adherence to internal policies and conduct compliance audits.</li><li>Report compliance issues and breaches to senior management and regulatory bodies.</li><li>Maintain accountability for certifications (PCI DSS, ISO 27001, ISO 9001, EcoVadis, BCorp).</li><li>Manage external audits and due diligence exercises from banks, merchants, and partners.</li></ul>Policy Development: <ul><li>Develop and update risk and compliance policies and procedures.</li><li>Ensure effective communication and implementation of policies across the organization.</li><li>Stay current with regulatory changes and industry best practices to update policies accordingly.</li></ul>Leadership and Collaboration: <ul><li>Collaborate with departments to integrate risk management and compliance into business processes.</li><li>Act as a key contact for regulatory authorities and external auditors.</li><li>Promote a culture of risk awareness and compliance throughout the organization.</li></ul>Reporting, Analysis, and Corporate Sustainability: <ul><li>Prepare and present reports on risk and compliance activities to executive team and board.</li><li>Analyse trends and provide insights to support strategic decision-making.</li><li>Develop key risk indicators (KRIs) and key performance indicators (KPIs) for monitoring program effectiveness.</li><li>Propose, draft, and implement strategies and policies for corporate sustainability.</li><li>Evaluate sustainability program efficiency and recommend improvements.</li></ul>Additional Responsibilities: <ul><li>Act as the Data Protection Officer </li><li>Oversee business continuity plans and annual Business Impact Analysis (BIA).</li><li>Ensure Information Assets, Key Suppliers, Data Retention, and Information Security (IS) repositories are current and compliant.</li></ul>Skills Knowledge and Expertise Strong Knowledge and Expertise: <ul><li>In-depth understanding of risk management frameworks, compliance regulations, and best practices in compliance and governance.</li><li>Proficiency in risk management and compliance software/tools.</li><li>Extensive knowledge of common information security management/governance frameworks, such as PCI DSS and ISO 27001.</li><li>Ability to drive and manage Quality Management (ISO9001), BCorp, and EcoVadis assessments.</li><li>Up-to-date knowledge of standards and operating methods in the card payment industry.</li></ul>Analytical and Problem-Solving Skills: <ul><li>Excellent analytical, problem-solving, and decision-making capabilities.</li><li>Broad and pragmatic thinker, able to interpret information quickly and present clear, reasoned arguments.</li></ul>Communication and Interpersonal Skills: <ul><li>Exceptional communication and interpersonal skills.</li><li>Ability to establish relationships and influence key stakeholders at all levels of the organization.</li></ul>Adaptability and Resilience: <ul><li>Ability to work effectively under pressure and manage multiple priorities.</li><li>Adaptable to a fast-paced and changing environment.</li></ul>Attention to Detail: <ul><li>Thorough and accurate, capable of identifying key issues without getting lost in the detail.</li><li>Ability to manage tight processes with a focus on accuracy and attention to detail.</li></ul>Educational and Support Role: <ul><li>Provide support, education, and training to colleagues to build risk awareness within the organization.</li><li>Demonstrable ability to act as a leading authority on information security, providing guidance on the governance and management of information security risks.</li></ul>Benefits <ul><li>Annual Leave: 25 days + bank holidays</li><li>Company holiday: 3 additional days off between Christmas &amp; New Years </li><li>Ability to buy and sell holiday days as well as the ability to bank days (tenure dependant) </li><li>Flexible working options: we are operating a hybrid working model with 3 days a week from the office</li><li>Pension: Hargreaves Lansdown - 6% matched contribution </li><li>Employee share scheme</li><li>Generous family friendly cover</li><li>Private healthcare - Bupa </li><li>Income protection</li><li>Critical illness cover</li><li>Life insurance cover</li><li>Dental cover</li><li>Optical cover</li><li>Yulife app for access to employee wellbeing and discounts </li><li>Perks at Work, cashback/discount shopping site</li><li>Employee referral scheme </li><li>Salary sacrifice program which includes cycle to work scheme, electric car scheme and season ticket loans</li><li>Volunteering program</li><li>Company events i.e. Christmas party, all-company event and other social/hosted events during the year (we have an active social committee!)</li><li>Team socials</li></ul>

Head of Risk & Compliance

We're building a relationship-oriented bank for the modern world. We need talented, passionate professionals who are dedicated to doing what's right for our clients. At CIBC, we embrace your strengths and your ambitions, so you are empowered at work. Our team members have what they need to make a meaningful impact and are truly valued for who they are and what they contribute. To learn more about CIBC, please visit CIBC.com What You'll Be Doing The incumbent will, as his/her prime role, play an important part in ensuring that market risk for CIBC's global commodities trading desk is completely captured, quantified and controlled. The role will provide independent oversight of market risks for the products traded by the global commodities desk which includes energy (crude oil, natural gas), metals (precious, base), agriculture, commodity index and environmental products. The role will include ad-hoc analysis of specific risks and transactions. In addition, the candidate will be expected to participate in leading group-wide projects, contributing innovative thinking and an advanced analytical approach. The incumbent will require a good understanding both financial markets in general as well as the analytical principles underlying the pricing and risk management of complex derivatives. This position interfaces with traders, treasury, operations, financial control, audit, technology, middle office and other departments within Capital Markets Risk Management (CMRM). The nature of the role involves making timely decisions with respect to complex risk scenarios in a high stress, time sensitive trading room environment. At CIBC we enable the work environment most optimal for you to thrive in your role. Details on your work arrangement (proportion of on-site and remote work) will be discussed at the time of your interview. How You'll Succeed <ul><li>Analyze and report on the risk profile of the commodities business, maintaining a continuous awareness of issues affecting the risk management of these markets.</li><li>Recommend appropriate risk limits and ensure processes are in place to monitor against limits. Review that the line of business activities fall within pre-established boundaries and expectations or concerns are escalated for management review.</li><li>Ensure the integrity or risk measurements and limit monitoring, resolve violations of market and credit risk limits and monitor linkage of trading P&amp;L to risk appetite. Review market risk limits on an ongoing basis.</li><li>Work with infrastructure partners in the onboarding of new products or initiatives, including risk assessment and capture.</li><li>Work closely with different parts of CMRM to facilitate effective dissemination of timely and accurate market risk information to senior management.</li><li>Work closely with technology and business support groups in ensuring continued development of comprehensive risk capture processes, taking a lead role in ensuring the integrity of market and risk data.</li><li>Perform User Acceptance Testing for new initiatives in methodology changes, risk measures and new programs.</li><li>Work closely with CMRM quantitative analysts to develop/enhance portfolio risk and stress test modeling.</li><li>Monitor the global macro market environment, reporting on the impact of market events on current portfolios</li><li>Communicate technical, analytical and conceptual information regarding market measurement/methodology to various internal stakeholders throughout the organization.</li></ul>Who You Are <ul><li>5-10 years of practical risk management and/or trading experience in commodity markets, particularly in oil, gas, metals, power and environmental trading.</li><li>Familiarity with methodologies for quantifying and analyzing market risks; good knowledge of relevant systems/programming issues.</li><li>Knowledge of VaR and PFE methodologies.</li><li>Familiarity with methodologies for quantifying and analyzing market and credit risks and knowledge of exchange traded and OTC derivative products and corresponding regulatory capital framework.</li><li>Demonstrated interest in markets and macro trends and the ability to assess impacts on our portfolios.</li><li>Strong interpersonal and communication skills with particular ability to translate technical complex issues for a variety of audiences. Excellent negotiation and mediation skills are highly desirable.</li><li>Undergraduate degree in a quantitative discipline preferred (Mathematics, Engineering or Computer Science).</li><li>Highly proficient Excel skills as well as knowledge of Python, VBA, and/or other programming languages a plus.</li><li>Self-motivated and flexible approach. Strong attention to detail and ability to focus on macroscopic view. Able to work independently and as part of a team. Able to effectively manage multiple projects of varying complexity.</li><li>Values matter to you. You bring your real self to work and you live our values - trust, teamwork, and accountability.</li></ul>At CIBC, we offer a competitive total rewards package. This role has an expected salary range of $160,000 - $200,000 for the New York, NY market based on experience, qualifications, and location of the position. The successful candidate may be eligible to participate in the relevant business unit's incentive compensation plan, which also may include a discretionary bonus component. CIBC offers a full range of benefits and programs to meet our employee's needs; including Medical, Dental, Vision, Health Savings Account, Life Insurance, Disability, and Other Insurance Plans, Paid Time Off (including Sick Leave, Parental Leave, and Vacation), Holidays, and 401(k), in addition to other special perks reserved for our team members. Candidates hired to work in other locations will be subject to the pay range associated with that location. Additional total compensation and benefits details will be provided during the hiring process. What CIBC Offers At CIBC, your goals are a priority. We start with your strengths and ambitions as an employee and strive to create opportunities to tap into your potential. We aspire to give you a career, rather than just a paycheck. <ul><li>We work to recognize you in meaningful, personalized ways including a competitive salary, incentive pay, banking benefits, a benefits program*, a vacation offering, wellbeing support, and MomentMakers, our social, points-based recognition program.</li><li>Our spaces and technological toolkit will make it simple to bring together great minds to create innovative solutions that make a difference for our clients.</li><li>We cultivate a culture where you can express your ambition through initiatives like Purpose Day; a paid day off dedicated for you to use to invest in your growth and development.</li></ul>*Subject to plan and program terms and conditions What you need to know <ul><li>CIBC is committed to creating an inclusive environment where all team members and clients feel like they belong. We seek applicants with a wide range of abilities and we provide an accessible candidate experience. If you need accommodation, please contact <a href="mailto:Mailbox.careers-carrieres@cibc.com" target="_blank">Mailbox.careers-carrieres@cibc.com</a></li><li>You need to be legally eligible to work at the location(s) specified above and, where applicable, must have a valid work or study permit.</li><li>We may ask you to complete an attribute-based assessment and other skills tests (such as simulation, coding, MS Office). Our goal for the application process is to get to know more about you, all that you have to offer, and give you the opportunity to learn more about us.</li></ul>Job Location NY-300 Madison Ave., 6th Floor Employment Type Regular Weekly Hours 40 Skills Analytical Thinking, Decision Making, Long Term Planning, Market Risk Analysis, Market Risk Management, People Management, Regulatory Requirements, Risk Management Framework

Director/Executive Director, Commodities Risk Manager

Who We are: KBC Global Services is the engine behind KBC Group - a leading bank-insurance group with over 41,000 talented employees serving more than 12 million clients across Europe. Since 2021, we have been supporting the digital transformation of KBC Group providing software development, QA, AI and other IT solutions working on a wide range of projects combining classical IT with digital banking. This vacancy is situated in the Agile Release Train 'Credit Risk' in the domain of client and credit risk calculations. The team is responsible for the development and maintenance of systems used in the credit and regulatory reporting processes, working closely together with the colleagues of modelling &amp; finance. You will work in a SAFE context with a mixed business ICT team in which the focus lies on end-to-end tasks. As our Application Manager (Credit Risk in DQM) you will be responsible for: <ul> <li>Daily monitoring and the proper functioning of a number of applications related to credit risk</li> <li>Analyzing and writing requirements for changes which have to happen in the applications</li> <li>Creating and performing tests for the changes and providing support to business colleagues</li> <li>Incident management and resolution, coordination of follow-up actions</li> <li>You give support to our business stakeholders (policy, finance, risk) and are closely involved with the implementation of changes in the systems and the testing of it</li> <li>Ensuring smooth cooperation between business and ICT</li> <li>Working in line with the Scaled Agile Framework (SAFe) to deliver the highest business value for our clients</li></ul>Key competencies that will help you succeed: <ul> <li>Extensive knowledge in Credit Risk calculations and related regulations </li> <li>Relevant experience in the field of business analysis: 1-4 years</li> <li>Experience in collecting business requirements</li> <li>Experience in testing: test preparation, test execution, test reporting</li> <li>Analytical thinking is important, you will examine current processes by using your problem-solving abilities</li> <li>Fluent English is essential for us, communication with Belgium and foreign colleagues awaits you</li> <li>Knowledge of SQL, Excel, SAS</li> <li>Ability to interact and communicate optimally with both technical and business partners</li> <li>Well organized, result oriented and eager to handle difficult problems</li> <li>Experience of working within Agile methodology is a plus</li></ul>Location - Varna/Sofia Recruiter - Presila Nedeva Contract Type: Full-time Category: Level of Experience: 2. Medior/Experienced (2-&gt;5 years) Region: Bulgaria - Sofia Company: Domain: KBC GSBG SOURCING Q-HUB Job requisition ID: 82067

Application Manager (Credit Risk)

KBC Group Credit Risk ondersteunt de bank en verzekeraar bij het beheren van haar kredietrisico's. De stage-opdracht situeert zich in het team Policy Advice, waarin het groepswijde beleid voor kredietrisico uitgewerkt wordt, en focust zich specifiek op ESG (Environmental, Social, Governance) risico's. De ESG-gerelateerde activiteiten binnen het team zijn zeer divers: <ul> <li>Het doorgronden van relevante regelgeving en de betekenis voor KBC als kredietverstrekker</li> <li>De identificatie van verschillende ESG-gerelateerde risico's in de kredietportefeuilles van KBC</li> <li>Het uitdenken van betekenisvolle kwantitatieve indicatoren voor ESG-gerelateerde kredietrisico's</li> <li>De uitwerking en implementatie van gepaste maatregelen in het kader van risico-appetijt en - beheer</li> <li>Bijdragen aan de interne en externe rapportering met betrekking tot ESG-gerelateerde kredietrisico's</li></ul>Tijdens de stage word je opgenomen in de dagelijkse werking van het team en zal je ingezet worden op één of meerdere van bovenstaande activiteiten. Concreet betekent dit dat je relevante documentatie en cijfermateriaal gaat doorgronden om te bepalen wat dit betekent voor ons kredietrisicobeheer en vervolgens ook de praktische uitwerking verzorgt. Uiteraard kan je hierbij rekenen op actieve ondersteuning door je naaste collega's.

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