About Us

At ANZ, we're shaping a world where people and communities thrive, driven by a common goal: to improve the financial wellbeing and sustainability of our millions of customers.

About the Role

As a Senior Manager, Retail Compliance (SME), you will act as a trusted advisor and subject matter expert (SME) providing independent second line oversight across the Australia Retail business.

You will play a critical role in:

• Shaping and influencing compliance risk frameworks and outcomes for complex retail banking products (e.g. Everyday Banking, deposits, payments)
• Providing expert interpretation of regulatory obligations (e.g. ASIC, APRA, Privacy, Consumer Data Right, AML/CTF where relevant)
• Exercising robust, risk-based challenge of first line controls, decisions and risk assessments
• Driving proactive identification of emerging regulatory risks and systemic issues
• Representing Compliance in senior governance forums and regulatory interactions

This role requires deep subject matter expertise, strong judgement, and the ability to influence senior stakeholders (GM/Exec level) in a highly regulated environment.

Role Type: Permanent
Role Location: Melbourne, Sydney or Brisbane
Work Hours: Full-Time
 

What will your day look like?

SME Advisory & Thought Leadership

• Act as the recognised Compliance SME for Retail (Everyday Banking and associated products)
• Provide authoritative, risk-based advice on regulatory obligations, control design, and business initiatives
• Interpret and translate complex regulatory requirements into practical business outcomes

Second Line Oversight & Challenge

• Lead independent oversight and robust challenge of first line compliance risk management practices, including:
• Form and document independent opinions on risk posture and escalate where required

Regulatory Change & Emerging Risk

Provide expert guidance on regulatory change (e.g. APRA CPS 230/220, ASIC reforms) and ensure impacts are understood and addressed
Identify emerging risks, thematic issues and systemic control weaknesses, and influence remediation priorities

Governance & Reporting

• Deliver high-quality, insight-driven reporting to senior risk committees (e.g. NFR forums, Board sub-committees where applicable)
• Clearly articulate risk themes, control gaps and forward-looking risk outlooks

Stakeholder & Regulatory Engagement

• Build and maintain credible relationships with senior business leaders and risk partners
• Support regulatory engagement, including preparation for regulatory reviews, audits, and deep dives
• Drive a strong risk culture, promoting accountability and proactive risk management across the Retail business

What will you bring?

• 10-15+ years’ experience in Compliance / Non-Financial Risk within banking or a highly regulated financial services environment
• Demonstrated experience operating as a Compliance SME or senior advisor in a second line function
• Deep understanding of Australian regulatory landscape, including:
  • APRA (CPS 220, CPS 230)
  • ASIC regulatory expectations
  • Conduct risk and consumer protection obligations
• Proven ability to challenge and influence senior stakeholders (GM/Exec level) with credibility
• Strong experience in:
  • Non-financial risk frameworks
  • Control design and effectiveness assessment
  • Risk governance and committee engagement
• Experience managing or advising on complex retail banking products or customer propositions
• Demonstrated ability to identify systemic issues and emerging risks, not just transactional advisory
• Exceptional analytical, judgement and problem-solving capability

So why join us?

From the moment you join ANZ, you'll be doing meaningful work that will shape a world where people and communities thrive.

But it's not just our customers who'll feel your impact. You'll feel it too. Because at ANZ, you'll have the resources, opportunities, and support you need to take the next big step in your career.

We're a diverse bunch at ANZ in different roles, different locations, doing different things. That's why we have a range of flexible working arrangements, so our people can 'make work, work for them'. We also provide a range of benefits including access to health and wellbeing services and discounts on selected products and services from ANZ and more.

At ANZ, you'll be part of an organisation where the different backgrounds, perspectives and life experiences of our people are celebrated. That's because we're committed to building a workplace that reflects the diversity of the communities we serve. We welcome applications from everyone and encourage you to talk to us about any adjustments you may require to our recruitment process or the role itself. If you're a candidate with a disability or access requirement, and have an enquiry about the support provided, please let us know on your application or visit ANZ Accessibility and Inclusion Programs for alternate contact methods.

To find out more about working at ANZ, visit https://www.anz.com.au/careers. You can apply for this role by visiting ANZ Careers and searching for reference number 117939 .
 

Job Posting End Date

02/07/2026, 11.59pm, (Melbourne Australia)