Head of Risk and Compliance

As Head of Risk & Compliance, you will lead the enterprise risk management and compliance frameworks, ensuring the business operates within risk appetite and meets all PRA and FCA requirements. Operating as a true second-line function, you will balance regulatory rigour with commercial pragmatism and act as a trusted advisor to senior stakeholders.You will have responsibility across risk, compliance, governance and regulatory engagement, with a remit spanning underwriting, finance, claims, operations, IT, outsourcing and reinsurance.Own and maintain the enterprise risk management framework and risk appetite, including KRIs and tolerancesLead risk identification, assessment and reporting across the businessProduce clear, high-quality risk reporting for the Executive, Board and Committees, including emerging risksOversee the ORSA process, coordinating inputs and ensuring robust challenge and regulatory-compliant outputsProvide independent challenge to underwriting strategy, new products, reinsurance and material change initiativesSupport stress and scenario testing and capital risk assessment alongside Finance and Actuarial teamsCompliance & Regulatory AffairsDesign and oversee a proportionate compliance monitoring programmeAct as the primary point of contact for the PRA and FCA, including submissions, notifications and supervisory engagementAdvise on regulatory change and support implementation across the businessOversee policies, procedures, breaches, incidents and remediation activityProvide oversight of Consumer Duty, including outcomes testing and Board reportingGovernance & AssuranceDeliver concise, decision-focused reporting to the Board and CommitteesSupport reviews of governance effectiveness and the control environmentCoordinate with Internal Audit and oversee responses to findingsSupport regulatory attestations and senior management sign-offLeadership & CultureLead and develop the Risk & Compliance function, ensuring appropriate capability and resourcingPromote a strong risk culture and accountability across the businessAct as an independent, credible and pragmatic advisor to senior leadersYOU?Significant senior experience in risk and/or compliance within UK general insuranceStrong working knowledge of PRA and FCA regulation, Solvency and governance requirementsProven experience engaging with Boards, Committees and regulatorsAbility to balance commercial objectives with regulatory expectationsStrong analytical and problem-solving capabilityClear, confident communicator able to influence at senior levelAble to translate complex regulatory and risk concepts into practical business adviceHighly organised, with the ability to manage multiple prioritiesPragmatic, solutions-focused and commercially awareQualificationsProfessional risk or insurance qualifications (e.g. IRM, CII) are advantageousDegree in a relevant discipline preferred #J-18808-Ljbffr