About Currencycloud

In 2021 Currencycloud was acquired by Visa; we are somewhere where innovative thinking and the power of technology know no limits. We know that the success of the business depends on the people who keep it moving, which is why we are looking for exceptional talent to join our international payments revolution.

We are open & collaborative, living and breathing our company values: Be Human, Better Together and Own it.

Conduct Analyst

The role holder is responsible for supporting the Conduct Risk Senior Manager in developing conduct risk related training, policies, and supporting with testing and monitoring of Currencycloud’s conduct risk profile, ensuring that the company observes all relevant regulatory requirements and expectations. The role will also involve supporting the Conduct Risk Senior Manager in producing and presenting management information to senior forums within Currencycloud, including Risk Committee and Board meetings.

The Conduct Risk Specialist will:

• Perform reviews of website content: for compliance with regulatory requirements around marketing (ad hoc based on alerts from our automated web-scanning tool) This will include engagement with account management/customer success teams and chasing of cases with clients
• Sales reviews: assisting with sampling of sales calls and correspondence, reviewing cases for compliance with requirements for sales processes to be ‘clear, fair and not misleading’, providing well rounded feedback and shaping data for presentation in dashboards
• Spread Reviews: assisting with sampling of ‘foreign exchange spreads’ charged on transactions, reviewing cases for compliance with requirements for pricing and charges to be fair and based on value, providing well rounded feedback and shaping data for presentation in dashboards
• Customer outcomes and treating customers fairly reviews and testing Supporting ongoing audit of client activity against Consumer Duty outcomes: In response to the Consumer Duty in the UK, Conduct Specialist will review client activity for delivery against key customer outcomes such as pricing, understanding, support, and product/service suitability
• Confirmation of Payee: supporting the Conduct Risk Senior Manager with the review of ‘confirmation of payee’ opt-out cases for vulnerable clients
• Review of marketing materials: supporting the Conduct Risk Senior Manager with review of marketing materials for compliance with marketing requirements, shared with Currencycloud by clients prior to release
• Internal/External Conduct Training: Support Senior Conduct Risk Manager with the delivery of both internal and external training, with the further augmentation of training modules and topics in relation to Consumer Duty
• Supporting the wider regulatory team with internal client enquiries

What are the OKRs?

• Successful relationship management with customer success and account management teams to achieve outcome of strong conduct risk management and oversight at Currencycloud
• Design and delivery of regular, high-quality training on Conduct Risk management both
• to Currencycloud colleagues and clients
• Successfully continuing to enable ‘first line’ or client-facing colleagues to better own
• and understand Conduct Risks, and increasing their maturity and sophistication in these matters, as opposed to heavy reliance on ‘second line’ compliance teams for this in day-to-day roles
• Continued production of and delivery of policies, management information and
• training content as required from time-to- time by the Senior Conduct Risk Manager

Which skills are required?

• Excellent written and verbal communication skills. Proven ability to communicate effectively
• with all levels of management, auditors, and regulators
• Structured and well organised, ability to prioritise multiple tasks and to bring open
• projects to closure. Ability to meet deadlines in a fast-paced environment
• Excellent management skills (both process and people
• Strong interpersonal skills and ability to influence others for results
• Well-developed analytical and problem-solving skills. Ability to assess issues and produce
• analysis based on data
• Excellent team working skills, ability to manage own workload and tenacious attention to detail

Education and Experience...

• Ideally 2 years’ experience in a Conduct Risk related role at a financial institution, e.g. a retail bank
• Experience interacting with and delivering on e.g. information or enhancement requests from financial services regulators is helpful but not a prerequisite
• Experience in designing engaging, meaningful and actionable management information using data using tool such as Google Data Studio or Tableau also helpful but not a prerequisite

Visa is an EEO Employer. Qualified applicants will receive consideration for employment without regard to race, color, religion, sex, national origin, sexual orientation, gender identity, disability or protected veteran status. Visa will also consider for employment qualified applicants with criminal histories in a manner consistent with EEOC guidelines and applicable local law.