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Job Description Summary In summary, the purpose of this is to analyse, investigate and evaluate risk, develop policy recommendations, and challenge and advise the business area, to ensure risks are understood, mitigated and controlled.
Please note - The salary guide for this role is £65,925 to £105,480 per year, depending on experience.
Lloyds Banking Group is the UK's leading Digital Bank and biggest mobile bank with nearly 14 million active online customers across our three brands. Now that we have already created the market leader in digital banking, we are on a journey to create the bank of the future, for which we are investing £3bn across platforms, people and data capabilities to truly become the best bank for customers.
COO BUSINESS RISK:
We love to do things differently in COO Business Risk.
We encourage our employees to challenge the status quo and to come up with new and innovative ideas.
We work collaboratively to guide, support and challenge on all risk related matters.
We are responsible for the successful delivery of the risk agenda against internal and regulatory requirements.
We look for solutions to enable the business to achieve its goals in a compliant manner.
We facilitate our key external regulatory relationships.
We make it our priority to make sure that we add value and make things cost effective for our customers.
We help transform the bank in a safe and compliant way.
Our vision is to be the best first line risk team in banking. Our purpose is to help the Group achieve its strategic objectives in a safe and controlled way.
DIGITAL CHANNELS RISK:
The Digital Channels Risk unit is a newly created team within COO Business Risk, aimed to help the Digital Business identify, prevent, manage and remediate their risks. We are building a team of forward-looking, out-of-the-box-thinking risk professionals with an interest in digital innovation and technology that want to improve the way we have traditionally managed risk in banking. You will be joining us at the beginning of the journey and you will have the opportunity to help shape the role and the unit as it grows.
THE ROLE AND ACCOUNTABILITIES:
Do you have extensive experience of digital risk management?
If so, we're currently seeking an experienced Senior Risk Partner - Digital Channels to join our team based in London. You'll be responsible for ensuring strong risk management processes and controls are in place for digital risks across the Group and will support both strategic and operational decision-making by providing insight, challenge and support.
Reporting into the Head of Risk - Digital Channels, you'll define and craft the approach to effective risk ownership and action within the business to drive risk reduction and remain within risk appetite. You'll support the definition of the Risk and Control management strategy and practices that will strengthen Digital Channel's performance.
You'll play an active role as a member of the Digital Channels Risk leadership team proactively driving forward the value delivered by the wider team and helping formulate the mid to long term strategy and priorities, working with the business, SME's and other Business Risk teams to design and implement strategic initiatives
You'll lead on innovation, driving forward automation and simplification across the team including controls and reporting, demonstrating continuous learning and self-development.
YOUR SKILLS AND EXPERIENCE:
This newly created role represents an opportunity for a highly motivated colleague and experienced risk leader to work at the heart of the Group's transformation activity. As a Digital Risk, Senior Risk Partner, you'll:
Be a transformational leader with an appetite for Risk management, be values led, have a strong track record of delivery
Bring a strategic approach to the delivery of risk framework support to the businesses, with an eye on developing the capabilities and skills required for the Bank of the Future
Bring a strong problem solving mindset, with an ability to work collaboratively with a diverse group of stakeholders across the business and 3 lines of defence
Have the ability to derive business value from risk management, to make good risk decisions, and to drive continuous improvement.
Excel in drive, energy, commitment and integrity.
Have the ability to simplify processes, successfully identifying the components that add value and challenging the ones that don't.
Be flexible and comfortable in changing and evolving environments as well as proactive an independent.
Specialist Knowledge needed:
Have a deep understanding of the external environment and threat landscape.
Strong knowledge of digital banking and understanding of how traditional risks (legal, compliance, fraud, financial crime, IT, information security, etc.) manifest themselves differently from traditional banking.
Experience of delivering/owning a risk management framework.
Experience ensuring compliance with regulatory requirements and delivering positive outcomes for customers.
Understanding of digital journeys and experience mapping them, supporting the business to identify report and mitigate risks and controls along the journey.
Validating the risk portfolio in an accurate and full representation of the known risk landscape.
Primary point of contact (and challenge point) for risk assessments and audits.
Ensuring adequate agile but robust governance is in place, including risk escalation and acceptance procedures.
Identifying areas of risk and working with the business to develop appropriate controls to address these weaknesses.
Build and maintain an appropriate, streamlined control framework for the digital channel. Define appropriate KPIs and MI to guarantee adequacy of the controls in place.
Provide holistic insights into the Group Policy Framework.
Building positive relationships within different stakeholders within the business and other areas of risk to obtain / exchange information, identify standard methodologies and where appropriate, to respond to changes in the internal and external environment.
Driving and developing a culture of continuous improvement in all areas to identify solutions which deliver better risk remediation and mitigation within risk appetite.
We believe in supporting colleagues to achieve their potential - delivering the best outcomes for customers and society. And our scale enables us to offer genuine opportunities to have a fulfilling career, whatever your ambitions.
Making you feel valued is important to us so we offer a highly competitive reward package - based on acting responsibly, and demonstrating our values and ethics. In addition to the salary you can expect the following as part of your total reward package:
On target discretionary performance-related bonus
4% of your salary paid to you in flex cash
30 days holiday (plus bank holidays)
Car or cash allowance
Private medical care
Contributory pension contributions
Do you want to be part of an inclusive, values-based culture passionate about making a difference? If you aspire to work in an innovative, digitally-led environment that moves at pace, join us for our journey and we'll help you fulfill yours. We need talented people like you if we are to continue to innovate, collaborate and adapt to meet the on-going needs of our customers. Come and be a part of a Group that wants to be known for putting the customer first; a company that keeps it simple; a place where we make a difference together. We're an equal opportunity employer and deeply value diversity within our organisation.
At Lloyds Banking Group, we're driven by a clear purpose; to help Britain prosper. Across the Group, our colleagues are focused on making a difference to customers, businesses and communities.With us you'll have a key role to play in shaping the financial services of the future, whilst the scale and reach of our Group means you'll have many opportunities to learn, grow and develop.
We're focused on creating a values-led culture and are committed to building a workforce which reflects the diversity of the customers and communities we serve. Together we're building a truly inclusive workplace where all of our colleagues have the opportunity to make a real difference.
Internal Number: 5871638
About Lloyds Banking Group
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