Senior Manager - Digital Assets Risk
Salary: £85,500 - £100,500
Locations: Edinburgh, Bristol, Birmingham or Leeds
Hours: Full time, 35 hours per week
Work pattern: Hybrid; at least two days per week in office
About this opportunity
Digital Assets are one of the most transformative developments in financial services since the advent of online banking, and Lloyds Banking Group is at the forefront of this change. From tokenised deposits and programmable money to blockchain-enabled settlement, the Group is accelerating its ambitions across wholesale and retail use cases.
As part of the Conduct, Compliance & Operational Risk (CCOR) function, the Digital Assets Risk Specialist will provide independent second-line oversight of these fast-evolving propositions. You’ll join a high-profile, high-pace area shaping the future of payments, markets, and customer experience.
Your work will span industry-first pilots, new regulatory regimes, and the build-out of entirely new capabilities. You’ll help ensure the Group innovates safely—embedding robust risk management while enabling strategic delivery.
What you’ll be doing
- Provide independent oversight across the Group’s Digital Asset developments, including tokenised deposits, stablecoins, digital wallets, and wider blockchain propositions.
- Act as a subject matter expert on associated regulatory requirements, staying ahead of new developments and industry best practice, and use this knowledge to support regulatory applications and advise on evolving compliance requirements.
- Build relationships with colleagues and understand their operations; help them identify and assess risks relating to Digital Assets and support them in the design and evaluation of the respective controls.
- Support the adoption of the Group’s new Payments and Transaction Execution Risk Policy, help the business embed it and provide timely and insightful oversight in line with the Operational Risk framework.
- Advocate for customers through concise, commercially sensitive advice to business areas on policy interpretation and regulations, co-creating compliant solutions.
- Act as an operational risk specialist and represent the organisation, building relationships with external partners, notably regulators and other governing bodies.
- Champion continuous review and enhancement of risk policies & appetite by identifying and assessing emerging and growing risks, ensuring policies reflect new opportunities or threats.
- Contribute to the coordination of core Operational Risk processes, including scenario and loss analysis, and coordinate input into key regulatory submissions and external disclosures (e.g. ICAAP).
- Develop and operate tools and systems that enable Business Units/Functions to consistently identify risks and evaluate the robustness of respective controls.
What you’ll need
- Strong operational risk expertise, with experience of Digital Assets and associated technologies.
- An understanding of relevant regulation and industry standards, and experience of translating complex requirements into practical guidance that supports the implementation of compliant solutions.
- Excellent communication and influencing skills, with experience of working in an inclusive style where everyone can be themselves.
- Experience preparing concise reports for senior-level audiences, with clarity and precision.
- A data-driven approach to everything you do and a keen interest in maximising the potential of AI to improve productivity and reimagine work.
- Growth mindset and commitment to everyday innovation.
- Record of delivering results and an awareness of the importance of documentary evidence for key decisions.
Benefits
- A generous pension contribution of up to 15%.
- An annual performance-related bonus.
- Share schemes, including free shares.
- Benefits you can adapt to your lifestyle, such as discounted shopping.
- 30 days’ holiday, with bank holidays on top.
- A range of wellbeing initiatives and generous parental leave policies.
We offer reasonable workplace adjustments for colleagues with disabilities, including flexibility in office attendance, location and working patterns. As a Disability Confident Leader, we guarantee interviews for a proportionate number of applicants who meet the minimum criteria with a disability, long-term health or neurodivergent condition through the Disability Confident Scheme. Adjustments throughout the recruitment process will reduce or remove barriers. Please let us know what you require.
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