Consumer Duty Integration Lead
Perspective Financial Group Ltd / Group Integration Support
Job Description
Role Purpose
Lead the end‑to‑end Consumer Duty Price and Value (“CD”) workstream for acquired businesses focusing specifically on the alignment of the Group’s Service Propositions and any subsequent amendment to ongoing Adviser Charging in line with the Group’s pricing structure.
This is achieved by assessing readiness pre‑completion, standing up a firm‑specific FCA Change in Control Consumer Duty Price and Value Plan immediately post‑exchange, and driving execution to full alignment within the Group’s operating model, service levels, and MI standards. This role ensures the Consumer Duty ‘Price and Value’ outcome is evidenced through data, workflows and client communications, with a consistent approach across acquisitions.
Perspective’s post‑deal value creation relies on consistent, evidenced delivery of Consumer Duty outcomes. This role is the accountable owner that converts the template and workflow into compliant, repeatable outcomes across every acquisition, providing evidence of compliance with CD requirements, providing fairness to clients, and enabling performance.
Office: UK (Hybrid) Travel to acquired offices as needed.
Hours: Monday – Friday 9am to 5pm with a one hour break (35 hours)
Salary: Competitive dependant on experience and qualifications. Available upon request.
Please note: any offer of employment is subject to satisfactory criminal record background checks.
Job Requirements
Essential
- Hands‑on knowledge of FCA Consumer Duty and practical delivery in advice firms.
- Proven experience running data‑led change and driving completion via workflow tooling.
- Excellent stakeholder management across relevant departments.
Desirable
- Level 4 Diploma in Regulated Financial Planning (or compliance equivalent).
- Strong track record implementing price & value frameworks and fair value assessments.
- Experience in post‑acquisition integration within wealth/financial advice.
Tools & Frameworks You’ll Use
- Change in Control Consumer Duty Price & Value Plan template.
- IO Consumer Duty Workflow.
- Group Service Propositions and Pricing Tiers.
- Fair Value Assessment & Outcomes Monitoring templates.
- Power BI‑enabled CD MI for reporting.
Job Responsibilities
Pre and Post Exchange & Day‑1 Planning
- Input to regulatory due diligence focusing on Consumer Duty readiness, governance, MI and board reporting.
- Prepare the Change in Control Consumer Duty Plan draft for each deal and obtain Vendor sign-off.
Post‑Completion Execution
- Own the acquisition CD plan delivery and ensure evidence capture.
- Drive service level allocation and fee alignment to Perspective’s Service Propositions and pricing tiers.
- Ensure Fair Value Assessments and outcomes monitoring are completed.
- Coordinate with internal teams to meet the alignment timing commitments.
Governance, MI & Reporting
- Produce a standard CD progress pack for integration governance.
- Ensure appropriate documentation to support annual Consumer Duty reporting.
Change in Control & Continuous Improvement
- Calibrate and improve the Change in Control Consumer Duty Plan template in conjunction with the Regulatory Team.
- Align Consumer Duty activities with wider Regulatory Integration milestones.
KPIs & Measures
- % of acquisitions with signed‑off CD plan by exchange of contracts.
- % CD workflows completed in iO and average cycle time per task.
- % of clients successfully aligned to PFP service levels and fair value assessments completed.
- Ageing of open exceptions and remediation items.
- % of acquisitions achieving full CD alignment within the agreed timescales.
Key Outcomes (What success looks like)
- Every acquisition has a signed‑off, tailored Consumer Duty plan in readiness by exchange of contracts.
- CD alignment completed within Group timelines (target by no later than 24 months post‑completion, ideally within 12 months) with clear MI and audit trail.
- Service level and fee alignment executed via iO workflows with documented exceptions and supporting evidence.
- Price & Value outcome evidenced in line with Group Regulatory requirements, through fair value assessments, fee alignment to service tiers, and transparent client communications.
- Consistent Board/ExCo MI on Consumer Duty progress and client outcomes leveraging the Group’s reporting tools.
Job Benefits
25 days holiday (rising with length of service) plus Bank Holidays, Birthday Leave, Holiday Purchase Scheme, Life Assurance, Pension, Corporate Eyecare and Extras Discount shopping discounts.
