SIPP Pensions Technical Oversight & Compliance Specialist
Morris Sinclair Recruitment
About the Role
Experienced SIPP Pensions Technical Oversight & Compliance Specialist to join a Risk & Compliance team of 6.
This is a specialist technical role for someone with strong SIPP pensions knowledge and a detailed understanding of HMRC reporting, pensions taxation, regulatory requirements and operational processes.
You will act as a trusted technical adviser and Subject Matter Expert (SME) across the wider business, providing guidance to operational teams and other stakeholders, while maintaining effective oversight of our third-party pensions service providers and business partners.
The role will combine technical pensions expertise, regulatory oversight, third-party governance, process improvement and project delivery, with a strong focus on ensuring the best possible outcomes for customers.
You will work closely with operational, compliance and client-facing teams to ensure that pensions processes, products, communications and supporting documentation meet regulatory requirements and reflect best practice.
Key Responsibilities
Pensions Technical Oversight
- Act as the technical pensions SME, providing expert guidance and advice to operational and wider business teams.
- Provide technical oversight of pensions processes, products and services, ensuring they operate in line with regulatory and legislative requirements.
- Develop, review and maintain processes, procedures and technical guidance to support consistent and compliant delivery across the business.
- Provide technical advice on complex pensions matters, including:
- HMRC reporting and requirements
- Pension taxation
- Pension excesses
- Bereavement and death benefit arrangements
- Tax reporting
- PAG reporting and associated requirements
- Data gathering and customer information requirements
- Support teams in understanding and applying complex pensions legislation and regulatory requirements in a practical operational environment.
- Provide technical and compliance oversight of third-party pensions service providers and business partners.
- Monitor service delivery, processes and controls to identify potential risks, technical issues or customer-impacting bottlenecks.
- Work collaboratively with third parties to resolve issues and ensure appropriate standards are maintained.
- Support governance meetings with clients and third-party providers, acting as the pensions technical subject matter expert where required.
- Identify opportunities to improve processes, controls and customer outcomes across third-party arrangements.
- Monitor developments in pensions legislation, HMRC requirements and financial services regulation.
- Assess the potential impact of regulatory and legislative changes on the business, its products, processes and customers.
- Work with relevant stakeholders to ensure regulatory changes are implemented effectively and within required timescales.
- Translate complex regulatory requirements into clear, practical guidance for operational teams.
- Support the business in maintaining a strong focus on customer outcomes and regulatory best practice.
- Provide technical input into the assessment and resolution of customer issues and complaints, including providing advice on appropriate complaint outcomes where required.
- While the role will not have direct responsibility for managing complaints, provide technical expertise and input to ensure outcomes are fair, accurate and appropriately supported.
- Support the implementation and ongoing embedding of Consumer Duty requirements across pensions products, services and processes.
- Review product and customer information to ensure that customers receive clear, accurate and appropriate information.
- Provide technical input into pensions-related literature, customer communications and published product information.
- Support the compilation and presentation of product information to ensure accuracy, consistency and regulatory compliance.
- Work with relevant teams to ensure product and service information reflects best practice and supports good customer outcomes.
- Identify areas where customer communications, processes or product information could be improved.
- Deliver technical training and guidance to the wider business on pensions-related requirements.
- Provide training covering areas such as:
- Pensions technical matters
- Regulatory and legislative changes
- Consumer Duty
- Products and services
- Data gathering
- HMRC requirements and reporting
- Processes and procedures
- Act as a point of escalation for complex technical questions and support colleagues in developing their pensions knowledge and capability.
- Lead or contribute to projects involving pensions, compliance, regulatory change, products and operational processes.
- Translate technical and regulatory requirements into practical project deliverables.
- Work with internal teams and third-party partners to implement changes effectively.
- Identify opportunities for continuous improvement, efficiency and enhanced customer outcomes.
- Develop strong working relationships with internal stakeholders, clients and third-party business partners.
- Act as a credible technical representative of the business at client governance meetings and other stakeholder forums.
- Attend client sites when required, typically approximately once per quarter, ensuring effective communication and helping to identify and resolve potential bottlenecks.
- Communicate complex pensions and regulatory issues clearly to both technical and non-technical audiences.
We are looking for someone with significant experience in pensions technical, compliance, operations or consultancy, who can operate confidently as a subject matter expert within a regulated financial services environment.
You will ideally have:
- Strong technical knowledge of UK pensions.
- Extensive experience with HMRC pensions reporting and taxation requirements.
- Good knowledge of pension excesses and associated tax implications.
- Knowledge of bereavement/death benefit arrangements.
- Understanding of PAG reporting and relevant pensions reporting requirements.
- Experience interpreting pensions legislation and regulatory requirements and translating these into practical business processes.
- Experience providing technical guidance to operational teams.
- Experience creating or maintaining processes, procedures and technical documentation.
- Experience overseeing or working closely with third-party service providers/business partners.
- An understanding of Consumer Duty and its application to pensions products and services.
- Experience contributing to projects and implementing regulatory or operational change.
- Strong written and verbal communication skills, with the ability to explain complex technical matters clearly.
- Confidence working with clients and senior stakeholders.
- A proactive approach to identifying risks, issues and opportunities for improvement.
You will be:
- A credible and approachable technical expert.
- Comfortable acting as the person others turn to for advice.
- Commercially aware, while maintaining a strong focus on regulatory compliance and customer outcomes.
- Analytical and able to interpret complex technical information.
- Practical and solutions-focused rather than purely theoretical.
- Confident challenging existing processes where appropriate.
- Comfortable working independently while collaborating across multiple teams.
- An excellent communicator who can build trusted relationships with colleagues, clients and external partners.
You will report directly to the Chief Risk & Compliance Officer and join a team of 6 covering a broad range of risk and compliance responsibilities.
The wider team has responsibility across areas including:
- Regulatory compliance
- FSCS liaison
- Complaints
- Financial crime
- AML/KYC
- Risk and compliance oversight
Why Join?
This is an opportunity to take ownership of a specialist pensions technical function within a growing financial services environment.
You will have genuine visibility across the business, working with senior stakeholders, operational teams, clients and third-party providers, while playing a key role in shaping processes, regulatory change, customer outcomes and best practice.
The role would suit an experienced pensions professional who wants to move beyond purely operational delivery and take a broader technical oversight, governance and advisory role.
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