Senior Compliance Analyst

At Carbon, we’re delegating differently by combining our strong insurance expertise with cutting edge technology. As we rapidly scale globally, and continue to advance Graphene, our proprietary owned data ecosystem, we remain guided by our core pillars of People, Partnerships and Innovation. If you want to join an exciting business powered by the latest technology, and are energised by collaboration, big ideas and making a meaningful impact to our partners, then this role is for you: Senior Compliance Analyst.

About Us

Founded in 2018, Carbon’s mission is to transform delegated underwriting and raise the standard for the industry. Our open underwriting model connects data, insight and people to enable stronger decisions and more dynamic portfolio management, bringing greater transparency, clarity and confidence to our partners and to the way the whole market works.

We’re proud to have been recognised by The Sunday Times as a Best Place to Work in both 2024 and 2025, reflecting our warm, inclusive culture and our energetic, entrepreneurial spirit. Our friendly, modern offices foster creativity and connection, while our partnership with Google Cloud, where we are celebrated as a success story, demonstrates our commitment to innovation and technology at the highest level.

At Carbon, our values shape who we are every day: Win as one, Keep spirits high, Blaze a trail, Speak up, listen up. If you’re looking to join a modern team with bold ambitions and real momentum, we’d love to meet you.

Location: 5th Floor, 9A Devonshire Square. London. EC2M 4YN
Start date: Immediate
Role type: Permanent, full-time, hybrid

The Opportunity:

We are searching for a proactive, versatile and ambitious Senior Compliance Analyst to join our team. Reporting to our Head of Risk & Compliance, this role is ideal for someone who is a compliance generalist with broad experience across regulatory compliance, governance, financial crime and third party-oversight. We are looking for someone who is willing to work with the wider team as a business partner, assume responsibility for parts of the compliance framework. The right candidate will provide challenge and contribute ideas to improve our risk and compliance function. Carbon is an entrepreneurial, dynamic company, so there will always be the opportunity to work on wider company projects.

Key responsibilities

Regulatory Compliance & Advisory

• Provide day‑to‑day compliance advice to business functions, in particular, the underwriting team, on matters relating to financial crime, licensing, conflicts of interest, data protection and ad-hoc.

• Interpret regulatory change (FCA, Lloyd’s, ICO, etc.) and help implement business‑wide updates.

• Support the Compliance Manager with conduct risk expectations and product governance requirements.

• Maintain awareness of emerging regulatory trends impacting the MGA and Lloyd’s market and communicate these to the business.

Policy, Framework & Governance

• Support the development, maintenance, and communication of compliance policies, standards, and procedures.

• Assist in strengthening governance documentation including registers, oversight frameworks, and board and committee reporting.

• Contribute to Risk & Compliance Committee and Board papers.

Financial Crime Compliance

· Support the financial crime framework including AML/CTF, sanctions, fraud and anti‑bribery & corruption.

· Conduct ad-hoc screening, enhanced due diligence, and investigations, as required.

· Provide advice to the business on financial crime compliance.

· Maintain financial crime registers, escalation logs and supporting documentation.

· Assist in reviewing and updating financial crime policies, procedures and training.

· Work closely with underwriting and DUA to ensure appropriate controls across onboarding and renewal processes.

Conflicts of Interest Management

• Support the operation and maintenance of the conflicts of interest framework.

• Identify, assess, and record actual, potential, and perceived conflicts across the business.

• Maintain the conflicts register and ensure appropriate controls and mitigation strategies are applied.

• Provide advisory support to the business on conflict management and escalation.

• Assist in reviewing and updating the conflicts of interest policy and related training materials.

Third‑Party & Outsourcing Management

• Support oversight of outsourced service providers and third parties, including critical suppliers.

• Assist with due diligence, onboarding checks, and periodic reviews of third‑party performance.

• Ensure oversight activities align with FCA outsourcing expectations and Lloyd’s requirements.

• Track actions, issues, and remediation arising from third‑party reviews.

Regulatory Reporting

• Assist in preparing regulatory reports for the FCA, Lloyd’s and other relevant bodies.

• Maintain accurate evidence and audit trails of submissions and reporting cycles, including the roll out and management of the regulatory reporting register.

• Coordinate data collection and validation with internal teams to ensure completeness and accuracy.

Training & Culture

• Support the design and delivery of compliance and financial crime training.

• Promote a culture of strong conduct, accountability, and ethical decision‑making.

Data Protection

• Assist with daily data protection queries, DPIAs, breach assessments, and record‑keeping in partnership with the Data Protection Manager or designated lead.

• Work closely with the Risk Manager on incident management.

Skills and experience:

Essential;

· Proven insurance compliance experience within the Lloyd’s market

· Strong knowledge of FCA and Lloyd’s requirements

· Experience of business partnering and working closely with both internal and external stakeholders

· Excellent written and verbal communication skills

· Strong analytical capability and attention to detail

Desirable;

· Delegated authority oversight

· Knowledge of US & EU regulatory licencing requirements

· Experience in outsourcing and third-party oversight frameworks

· Exposure to sanctions investigations, financial crime escalation handling

· Understanding of conduct risk and product governance

· Involvement in operational resilience testing and management

· SMCR management & training

· Legal qualifications