File Reviewer – Pensions & Investments

Location: Altrincham / Hybrid

Salary: Up to £45,000

CII Level 4 Diploma as a min

We are seeking an experienced File Reviewer to join a high-performing compliance and business assurance team within a leading wealth management environment. This role is ideal for someone with strong technical knowledge, excellent attention to detail, and a passion for maintaining high standards of advice, suitability and regulatory compliance.

You will play a vital part in supporting robust risk-based monitoring across both asset management and financial planning activity, helping the business uphold its commitment to delivering high-quality advice and exceptional client outcomes.

Role Overview

You will support the Head of File Checking by conducting thorough client file reviews in line with internal policies, FCA regulation, and Consumer Duty requirements. Working closely with Advisers, Paraplanners, T&C and Business Assurance colleagues, you will ensure advice is suitable, documentation is complete, and processes are adhered to consistently and fairly.

This role offers breadth and variety, covering both pre-sale and post-sale reviews, thematic monitoring, and contributing to ongoing improvements across the advice process.

Key Responsibilities

• Conduct pre- and post-sale client file reviews across asset management and financial planning functions
• Ensure suitability, completeness and accuracy of advice, documentation, disclosures and records
• Identify risks, breaches or gaps and recommend appropriate corrective actions
• Apply FCA guidelines including COBS, PROD, Treating Customers Fairly, Consumer Duty and vulnerable client considerations
• Provide structured and constructive feedback to Advisers and Paraplanners
• Escalate potential issues to the Business Assurance Manager or relevant stakeholders
• Support training initiatives by highlighting adviser or paraplanner development needs
• Maintain accurate records of file checks, outcomes and follow-up actions
• Support thematic reviews and other monitoring tasks set out in the assurance plan
• Manage workload effectively to ensure timely completion of checks and follow-ups
• Contribute to process improvements by identifying trends or reoccurring issues
• Provide assistance across the wider Business Assurance function as required
• Demonstrate expected behaviours in line with the FCA Conduct Rules at all times

Knowledge, Skills & Experience

Essential

• Level 4 Diploma qualified
• Minimum 2 years’ file-checking experience within an asset management or financial planning environment
• Strong understanding of UK financial services and retail investment products
• Knowledge of investment management, suitability requirements, and financial planning processes (investments, retirement, protection, tax planning)
• Strong working knowledge of FCA regulations including COBS, SYSC and PROD
• Excellent attention to detail and analytical skills
• Ability to work independently, use initiative and manage workload effectively
• Strong communication skills with the ability to build relationships and deliver constructive feedback

Desirable

• Experience file checking within an IFA environment
• Working knowledge of Intelligent Office

Why Apply?

This is an opportunity to join a respected and growing business where quality, professionalism and client outcomes are at the forefront. You will be part of a collaborative and knowledgeable team, with the chance to influence standards, help develop advisers, and contribute to ongoing improvements across the advice process.

NJR16285