Senior Lawyer – Consumer Relationships Legal

JOB TITLE: Senior Lawyer – Consumer Relationships Legal

SALARY:  £114,606 - £134,830

LOCATION(S): Chester, Bristol, Cardiff, Edinburgh, Halifax & Leeds

HOURS: Full-time

WORKING PATTERN: Our work style is hybrid, which involves spending at least two days per week, or 40% of our time, at our one of our office sites.

About this opportunity

At Lloyds Banking Group, we’re driven by a clear purpose: to help Britain prosper. Across the Group, our colleagues are focused on making a difference to customers, businesses, and communities.  We’re on a mission to transform our business to deliver customers a first-class digital experience backed with great channel assistance and attractive, innovative products.  

We have an exciting opportunity for a qualified lawyer with a minimum of five years post qualification experience to join the Consumer Relationships Legal team. You’ll join a positive and pragmatic legal team that works hand in hand with the Consumer Relationships business, which focuses on UK personal retail bank and savings accounts and related services, UK Private Banking, propositions and channels through the Customer & Commercial function, alongside payments and digital initiatives.  The primary areas of focus for this role will be advising the UK Private Banking business. 

The role requires someone who delivers influential insight, engages proactively with senior partners, provides business friendly legal advice and can operate as a subject matter specialist. The role may also include delegated line management responsibilities. 

You should be confident in mentoring colleagues and supporting them in embedding effective legal risk management. Thinking strategically about the operation of the team and the way legal services are used and delivered is encouraged, including exploring and using legal tech solutions. 

As a Consumer Relationships lawyer, your primary focus will be on CR matters. However, you may also be called upon to support other Consumer Legal teams or help deliver centralised Consumer Legal initiatives. As well as giving you broader experience, this flexibility helps us manage the demands on our teams in ever-more agile ways!  There will also be opportunities to engage in and influence across the wider range of activities within our Legal & Secretariat community. 

What you’ll be doing:

The Consumer Relationships Legal team is part of Consumer Legal which sits within the wider Legal & Secretariat Division. Reporting to our Head of Legal: 

• You’ll play a key role advising on a wide variety of Consumer Relationships and UKPB initiatives, including new and existing products and services, end to end customer journeys, digital propositions, existing and upcoming law and regulation, contributing to core business areas of the Group. 

• You’ll also support transformation projects, assisting in the delivery of changes to products and services.

• Helping to shape and influence strategy in relation to relevant areas of legal, regulatory and industry change – with specific reference to UKPB.

• You’ll also support new partnerships with third parties that meet our customers’ needs beyond banking, making valuable contributions and deepening relationships. 

• You’ll offer insightful, high-quality legal expertise and commercial advice to UKPB and Consumer Relationships colleagues and their support areas (including relevant business platform teams) and facilitate the delivery of excellent outcomes for customers and the Group.

• Build relationships with external partners including industry peers. 

• Build and maintain positive relationships with external lawyers and internal partners across Legal & Secretariat the business and in other functions (eg Risk and Compliance).

• Identify knowledge gaps and deliver and organise training to team and business partners.

• Reflect on service delivery and look for continuous improvement opportunities; 

• You’ll collaborate with other legal teams and join Consumer Legal and Legal & Secretariat initiatives. 

Why join us?

We’re on an exciting journey to transform our Group and the way we’re shaping finance for good. We’re focusing on the future, investing in our technologies, workplaces, and colleagues to make our Group a great place for everyone.

What we’re looking for:

• UK qualified lawyer with at least 5 years of post-qualification experience, including relevant experience in financial services, ideally within areas relevant to private banking. 

• Strong understanding of Payment Services Regulations and Consumer Duty. 

• Experience in advising on matters under the consumer credit regime. 

• Knowledge of BCOBS, KYL/AML and ringfencing. 

• Ability to learn and adapt to new legal and technological developments. 

• Strong influencing and communication skills ideally with experience engaging regulators and industry bodies. 

• Proven track record of delivering legal advice in complex, cross-functional environments. 

• Experience collaborating with clients, business partners and internal teams to deliver solutions in a regulated environment. 

• Knowledge of cross-border lending considerations would be an advantage. 

• A genuine curiosity about developing others and being part of a collaborative team. 

• Able to independently manage busy workload / competing priorities in fast paced environment. 

• You'll bring passion for our values of putting People-First, being Bold, championing Sustainability, Trust to achieve more together and being Inclusive. 

• You’ll love to solve problems and challenge the status quo with innovative ideas. 

We know that great talent comes from many backgrounds. Whilst this job advert may reference specific years of experience, we recognise that skills are developed in many ways, so if you have relevant, transferable experience, we encourage you to apply.

This is a place for you

We offer reasonable workplace adjustments for colleagues with disabilities, including flexibility in office attendance, location and working patterns. And, as a Disability Confident Leader, we guarantee interviews for a fair and proportionate number of applicants who meet the minimum criteria for the role with a disability, long-term health or neurodivergent condition through the Disability Confident Scheme.

We also offer a wide-ranging benefits package, which includes:

• 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

Like what you hear? Join us!