Pension Specialist

SIPP Pensions Compliance Technical Oversight Specialist

Hybrid working 3 days in office at Wimborne, Dorset / 2 days at home

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.

Third-Party Provider & Business Partner Oversight

• 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.

Regulatory Change

• 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.

Products, Literature & Customer Communications

• 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.

Training & Development

• 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.

Projects & Change

• 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.

Client & Stakeholder Management

• 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.

About You

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 - particularly SIPP
• 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.

Personal Attributes

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.

The Team

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
• Complaints
• AML/KYC
• Risk and compliance oversight

This role will provide a specialist pensions technical capability within the wider Risk & Compliance function, working collaboratively across the business to ensure that pensions activity is technically robust, compliant, well governed and focused on delivering the right outcomes for customers .

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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