Legal and Compliance Manager

Do you thrive in a fast paced environment and are looking for an opportunity to spread your wings in a growing business __then keep reading, you may be the one we are looking for.

**Who are we?**

IPF Digital Australia (trading as Credit24), is part of a global market-leading consumer lending business, IPF Group. With operations also in Europe and Mexico; we thrive to build a better world through financial inclusion by offering fast, simple, and easy-to-access credit solutions to everyday Australians.

We're a team of high energy and passionate people, who pride ourselves on how we work together as a team. We truly believe in the importance of delivering great experiences for our customers, so we keep them at the forefront of everything we do.
We embrace the pursuit of ensuring a great work life balance for all. We work hard, however we acknowledge the importance of flexibility and balancing our internal & external priorities. We also practise a culture of consistently reflecting and celebrating our wins and achievements with one another.

**The role**

This role is critical in ensuring our operations adhere to all relevant legal, regulatory, and compliance obligations in Australia, while supporting business goals with practical, commercial legal advice. As Legal and Compliance Manager, you will be responsible for three key areas of IPF Digital Australia’s business: legal, compliance and non-financial risk management and operations. You will provide support through a combination of legal advice, advice on all compliance matters and through operational set up and execution of compliance system using the IPF Digital framework, adapted for Australian regulatory needs. The Legal and Compliance Manager will have knowledge of in the following areas: consumer financing, customer protection, data protection, product development, regulatory requirements and communication, compliance routines and risk management.

The Legal and Compliance Manager will do this with flexibility, practicality, customer focus and a desire to continuously learn and improve IPF Digital’s processes.

**Responsibilities**

Here’s an example of your day to day:
**Legal**
- The timely legal analysis and advice to inform decision-making, both with existing and future products of IPF Digital Australia
- Support development with effectiveness in identifying and addressing potential legal issues (control and remediation activities)
- Assisting in secretarial and corporate issues of IPF Digital Australia
- Ensuring that correct documentation and process is followed for all legal contracts for services and are secure
- Partner with internal teams (product, operations, HR, IT) to embed a strong culture of risk and compliance and ethical business practices
- Act as the point of contact and co-operate with for external legal counsel and regulatory bodies
- Provide timely advice on IPF Digital Australia corporate legal responsibilities
- Administration and fulfilment of legal responsibilities across IPF Digital, this ranges from aspects of employment law to corporate business legal and regulatory activities
- Review and draft corporate and legal documents and correspondence
- Communicate effectively with government, regulatory agencies, media and the business and community sectors, including drafting and advocating submissions and correspondence and representing IPF Digital at presentations, conferences and meetings
- Conduct work within the Responsible Manager framework
- Cooperation with legal and compliance teams of the IPF Digital HUB and IPF group

**Compliance and Non financial Risk Management**
- Maintain and oversee the organisation’s compliance framework
- Conduct risk assessments in relation to Australia operations and provide insights into risk mitigation strategies.
- Advise business on design and implementation of controls to prevent compliance breaches
- Manage regulatory reporting obligations and liaise with regulatory authorities when required.
- Monitor changes in legislation and update internal policies and procedures accordingly.
- Support corporate governance requirements, including board and committee support, policies, and record-keeping.
- Organise and be responsible for the input to risk and compliance committee of IPF Digital Australia.
- Perform compliance testing and develop improvement plans against identified gaps in agreement with business functions
- Support the IPF Digital group to enable compliance and optimisation of business operations, in areas such as product development, consumer protection, data protection, etc.
- Complete legal and compliance administrative tasks and activities
- Prepare management reports regarding compliance operations and progress
- Investigate non-compliance cases to help IPF Digital Australia in developing corrective actions, remediation when necessary and improving controls efficiency
- Assist with the set-up of controls and process improvements for IPF Digital Australia, making recommendat