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This is a role of considerable influence, and is at the heart of the company's Risk Strategy and governance operations because effective governance is fundamental to how the Group is directed and controlled. The role has specific responsibility for making decisions relating to disclosure of suspicions and liaising with financial crime agencies. The role exerts influence at all levels of seniority and supports the Chief Compliance Officer in ensuring that all activities undertaken comply with legal, ethical and regulatory requirements.

The role will include R16 (DMLRO) Controlled Function responsibilities.Specific duties will include:

• Act or potential to act as an Approved Person undertaking Controlled Function R16
• Interpret regulation and legislation ensuring that the business complies with legal, ethical and regulatory requirements in the jurisdictions of operation
• Proactively embed an effective Financial Crime framework (to include Anti-money Laundering, Terrorist Financing and Fraud) throughout the business, to protect the Group from regulatory sanction, financial and reputational loss
• Monitor changes in relevant AML/CFT legislation and the regulatory environment and taking action accordingly to ensure timely implementation
• Remain aware of any relevant sanctions, prohibitions or advisory notices and where necessary coordinate the Group's response to the implementation of control environment changes
• Work with the wider Group Risk, Legal & Compliance team to support the implementation and embedding of control improvements in Line 1
• In collaboration with business areas, develop internal procedures in line with the requirements of AML/CFT legislation and relevant industry guidance
• Provide subject matter expertise on AML/CFT related regulatory consultations and work being undertaken as part of the Compliance Assurance Review programme
• Develop and maintain appropriate AML/CFT risk-based monitoring processes that are proportionate to the Group's scale, nature and complexity
• Oversee the submission of formal reports to law enforcement agencies and review and comply with any resulting production, restraint or confiscation orders issued by the Isle of Man courts
• Oversee the production of internal reporting relevant to AML/CFT
• Providing input and supporting coordinating the Annual AML/CFT Report for the Group and Company Boards providing an independent assessment of the effectiveness of Anti-Money Laundering and Countering the Financing of Terrorism systems and control
• Provide AML/CFT regulatory expertise and support for key strategic projects
• Timely advice, implementation and embedding in areas of own responsibility
• Undertake due diligence on target businesses and provide AML/CFT support and guidance in respect of integration work, where engaged

• An in depth understanding of the risk and financial drivers of the life industry with relevant professional qualifications or the willingness to work towards and achieve within the first 18 months in the role
• In depth knowledge of financial crime legislation and the duties and responsibilities of an DMLRO in the Isle of Man
• Experience of holding a senior Financial Crime Prevention role for at least two to five years, ideally with DMLRO R16 Controlled Function Responsibilities
• Sound understanding of different categories of regulatory risk from a technical and operational perspective
• Broad commercial experience and understanding of market knowledge, regulations and legislation in the financial services sector, ideally from the life and investment sectors
• Experience of operating in a multijurisdictional environment
• Experience of working in a business going through continuous upgrading, change and growth
• Track record for delivering timely, credible, subject matter expertise
• Committed to mentoring and developing colleagues to support succession planning
• Problem Solving Strategic thinker, analyses situations, identifies solutions and presents complex problems in a clear manner, good numerical skills
• Influencing and interpersonal Proactively develops sustainable relationships, persuasive, articulates information well, challenges ideas constructively and insightfully, deals with stakeholders with humility, diplomacy, commercial insight and respect - a trusted adviser and credible subject matter expert
• Adaptable Enjoys new challenges, embraces change, resolves conflict, flexible support to the wider team
• Results Driven Organises resources, establishes priorities, puts planning and governance structures in place, establishes risks
• Reliable - delivers on commitments and upholds standards and principles
• Organisational - meticulous attention to detail, organisational and time management skills and a genuine interest in business. Excellent computing, compliance, team working and written/verbal communication skills are also important
• Independence - the ability to conduct the role independently and with integrity and to exercise professional judgement