Risk & Control Subject Matter Expert – Consumer Regulations & Payment Risk Specialism

Experian Group; Nottingham; Hybrid; GBP 40,000 - 80,000; Full time

Job description

Company Description

Experian is a global data and technology company, powering opportunities for people and businesses around the world. We help to redefine lending practices, uncover and prevent fraud, simplify healthcare, create marketing solutions, and gain deeper insights into the automotive market, all using our unique combination of data, analytics and software. We also assist millions of people to realize their financial goals and help them save time and money.

We operate across a range of markets, from financial services to healthcare, automotive, agribusiness, insurance, and many more industry segments.

We invest in people and new advanced technologies to unlock the power of data. As a FTSE 100 Index company listed on the London Stock Exchange (EXPN), we have a team of 22,500 people across 32 countries. Our corporate headquarters are in Dublin, Ireland. Learn more at experianplc.com.

Job Description

Why this role is important to us

As a Risk & Control Subject Matter Expert with a Commercial Risk Specialism, you will be part of a core group providing specialised knowledge to solve complex risk and control issues across the business. Your expertise will facilitate risk-based decision-making and ensure consistency in the control environment, applying best practices and shared controls.

This is a hybrid role reporting into our Head of Risk & Control SMEs.

Work that matters - What you'll be doing

General Risk Expertise – 70%

1. Risk Identification & Management: Collaborate with business partners to manage risks, conducting periodic risk assessments to address vulnerabilities.
2. Regulatory Compliance: Ensure compliance with internal policies and external regulations, supporting FCA/ICO notifications and policy gap analyses.
3. Customer Outcomes: Challenge the business to ensure customer outcomes are central to all propositions.
4. Exposure Management: Manage complex risk-related loss events, conducting root cause analysis and coordinating response plans.
5. Collaboration & Stakeholder Management: Work with Risk & Control Business Partners, 2LoD teams, and BU Control Specialists to maintain risk and control environment.
6. Risk-Based Decision Making: Ensure centralised control strategies are deployed and controls are designed using industry best practices.
7. Problem Solving & Analytical Skills: Analyse risk data to identify trends and conduct risk scenario analysis and enhance operational resilience.

Consumer Regulations & Payments Risk Specialism – 30%

1. Consumer Protection & Regulatory Compliance: Provide expertise in consumer regulatory compliance, ensuring understanding of enterprise risk management frameworks and consumer duty requirements.
2. Payment Risk & Fraud: Assess risks associated with payment processing, including fraud, money laundering, and operational failures. Develop fraud detection and prevention strategies.
3. Regulatory & Compliance Focus: Ensure adherence to key regulatory frameworks such as PSD2, FCA Consumer Duty, and AML regulations. Support internal audits and regulatory reviews.
4. Emerging Risk & Industry Trends: Maintain visibility on industry trends and latest risks in payments and consumer regulations. Provide insights on new payment technologies.

Qualifications

What you'll need to bring to the role & Experian

1. Risk Management Frameworks & Methodologies: Comprehensive understanding of risk management principles and frameworks (COSO ERM, COBIT, SOX, ISO 31000).
2. Regulatory & Internal Policy Compliance: Experience in monitoring and adapting to regulatory changes, interpreting policies, and defining business procedures.
3. Communication & Collaboration: Ability to work with different teams and communicate requirements to non-technical colleagues.
4. Consumer Regulations & Payments Risk Skills: Expertise in consumer regulatory compliance, payment fraud prevention, and adherence to key regulatory frameworks.

More about you

1. Experience with risk management principles and practices.
2. Proficiency in conducting risk assessments and developing mitigation strategies.
3. Experience in identifying and mitigating enterprise-wide risks.
4. Deploy centralised control strategies and design controls.

Additional Information

Benefits package includes:

• Flexible work environment, working hybrid or in the office if you prefer.
• Great compensation package and discretionary bonus plan.
• Core benefits include pension, Bupa healthcare, sharesave scheme and more.
• 25 days annual leave with 8 bank holidays and 3 volunteering days. You can purchase additional annual leave.

Internal Grade EB8/D

Closing Date: 18th April 2025

Our uniqueness is that we celebrate yours. Experian's culture and people are important differentiators. We take our people agenda very seriously and focus on what matters; DEI, work/life balance, development, authenticity, collaboration, wellness, reward & recognition, volunteering... the list goes on. Experian's people first approach is award-winning; World's Best Workplaces 2024 (Fortune Top 25), Great Place To Work in 24 countries, and Glassdoor Best Places to Work 2024 to name a few. Check out Experian Life on social or our Careers Site to understand why.

Experian is proud to be an Equal Opportunity and Affirmative Action employer. Innovation is an important part of Experian's DNA and practices, and our diverse workforce drives our success. Everyone can succeed at Experian and bring their whole self to work, irrespective of their gender, ethnicity, religion, colour, sexuality, physical ability or age. If you have a disability or special need that requires accommodation, please let us know at the earliest opportunity.

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