Lawyer – Consumer Relationships Legal

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Job Description Summary

Job Description

JOB TITLE: Lawyer – Consumer Relationships Legal

SALARY: £89,739 - £99,710

LOCATIONS: Bristol, Cardiff, Chester, 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 one of our office sites. Colleagues with disabilities can be supported with workplace adjustments including hybrid working expectations in line with our Flexibility Works policy.

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 – our ambition is to make finance simpler, smarter and more connected for customers.

As a lawyer in our Consumer Relationships Legal team, you’ll be part of a positive and pragmatic legal team that works hand in hand with Everyday Banking, Private Banking and our Connected Finance (including Wallet and Payments) business areas, supporting them in navigating legal risk to achieve good customer outcomes and support the Group’s drive for Product Excellence.

This is an exciting opportunity for a qualified lawyer with a minimum of 2 years’ post qualification experience to join the Consumer Relationships Legal team. We work hand in hand with the Consumer and Connected Finance businesses, focussing on UK personal retail bank and savings accounts and UK Private Banking propositions as well as in-person and digital channels, including consumer wallet, payments and other digital& AI services.

As a Consumer Relationships lawyer, your primary focus will be on Consumer Relationship matters. However, you may also be called upon to support other Consumer and Connected Finance Legal teams or help deliver centralised Consumer and Connected Finance 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 and Connected Finance Legal which sits within the wider Legal & Secretariat Division. Reporting to one of our senior lawyers:

• Your focus will be on the wide range of matters that relate to personal bank and savings accounts.
• You’ll also support transformation projects, assisting in the delivery of changes to products and services.
• You’ll play a key role advising on a wide variety of retail banking initiatives, including new and existing products and services, digital and AI propositions, existing and upcoming law and regulation, adding value to core business areas of the Group.
• You’ll also support new partnerships with third parties that meet our customers’ needs beyond banking, adding value and deepening relationships.
• You’ll offer insightful, high-quality legal expertise and commercial advice to Consumer colleagues and their support areas and facilitate the delivery of excellent outcomes for customers and the Group.
• You’ll collaborate with other legal teams and join Consumer and Connected Finance Legal and Legal & Secretariat initiatives, including how legal technology can change the way we work.

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. Including you.

What we’re looking for

We’re looking for a qualified lawyer with a minimum of 2 years’ post qualification experience.

Ideally, you’ll have knowledge of:

• Retail banking law, general consumer law (including unfair contract terms and DMCC requirements)
• FCA principles and rules, including BCOBS, CONC and Consumer Duty.
• Payment Services Regulations, E-money Regulations, Payment Accounts Regulations and the impacts of HMT’s Modernising Payments consultation, as well as other requirements applying to the products and services we support.
• Consumer Credit Act and related FCA rules applicable to overdrafts and the impacts of consumer credit reform.
• Industry initiatives such as Open Banking and LINK/access to cash arrangements.

And experience of:

• Advising on and delivering consumer facing change projects in retail banking products and services space.
• Delivering innovative consumer solutions in a payments and/or technology context.
• Using technology to improve ways of working.

And any experience of these would be really useful

• Equality Act, discrimination and vulnerability knowledge.
• Lotteries, gaming and ASA Code compliance.
• Regulatory/contentious experience (including regulatory investigations/enquiries).
• Privacy and data protection law knowledge.
• Commercial contract experience.

If you’ve not got all of these but have some relevant expertise, transferable skills and are keen to learn, we’re also happy to hear from you.

About you…

We challenge ourselves, and will welcome someone who’s curious, versatile and enthusiastic.

• 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 have the ability to build strong collaborative relationships.
• You’ll love to solve problems and challenge the status quo with innovative ideas.
• You're a highly motivated self-starter.
• You’ll have the ability to interpret and apply legislation and regulatory rules/expectations and distil your advice into clear, simple risk/reward options to support well informed decision making.
• You’ll be a capable communicator confident in engaging with team members across a variety of divisions, proactively challenging, advising and influencing business colleagues on legal issues.
• You’ll have sound legal, commercial and risk judgment.
• You’ll embrace technology and champion the benefits it offers for our team, the wider LBG community and our customers.
• You’ll thrive on challenge and be able to balance multiple competing demands.

About working for us

Our ambition is to be the leading UK business for diversity, equity and inclusion supporting our customers, colleagues and communities, and we’re committed to creating an environment in which everyone can thrive, learn and develop.​

We were one of the first major organisations to set goals on diversity in senior roles, create a menopause health package, and a dedicated Working with Cancer Initiative.​

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 provide reasonable adjustments throughout the recruitment process to reduce or remove barriers. Just let us know what you need.​

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

Ready to make an impact? Apply today!

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. With us you'll have a key role to play in shaping the financial services of the future, whilst the scale and reach of our Group means you'll have many opportunities to learn, grow and develop.

We keep your data safe. So, we'll only ever ask you to provide confidential or sensitive information once you have formally been invited along to an interview or accepted a verbal offer to join us which is when we run our background checks. We'll always explain what we need and why, with any request coming from a trusted Lloyds Banking Group person.

We're focused on creating a values-led culture and are committed to building a workforce which reflects the diversity of the customers and communities we serve. Together we’re building a truly inclusive workplace where all of our colleagues have the opportunity to make a real difference.

About Us

With 320 years under our belt, we're used to change, and today is no different. Join us and help drive this change, shaping the future of finance whilst working at pace to deliver for our customers.

Here, you'll do the best work of your career. Your impact will be amplified by our scale as you learn and develop, gaining skills for the future.

Need Help?

Should you wish to contact us for any reason, please email us at: careers@lloydsbanking.com

Flexible Working Options

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