What we do

Small changes can add up to make a big difference. Especially when it comes to your money. In our quest to make things better, we never stop looking at how every bit of banking works.
We know there are lots of things we can change, however small &ndash; and together these changes will build a better banking experience for our customers.
We sweat the small stuff, because we know it makes a big difference for our customers. And sets us apart as a bank.
We believe in:
Making managing your money easier From catch-free savings to simple, super-flexible pensions, our products make managing your money that little bit easier.
Helping you make the right choices Our educational guides aim to give you the facts about finance, helping make decisions about your money a little easier.
Treating you as a person, not a number Our Stores and Lounges make the whole experience a little more comfortable.
Helping you raise more for charity Virgin Money Giving helps everyone give a little more to good causes.
Using our expertise to do some good We think banking should be about more than interest rates and statements, that&rsquo;s why we use our expertise to do a little good in the world.
Recognising everyone as equal Our quest to make banking better includes creating a place where all our colleagues and customers feel welcome.

What we stand for

Who you'll work with

Virgin Money has grown, and we&rsquo;ve got big plans for the future &ndash; you&rsquo;d be joining us at an exciting point on our journey as we bring our brands together. It&rsquo;s a fun and fast-paced place to be, and we&rsquo;re on the lookout for great people to take us to the next level. Could you be one of them?

What you'll get

Business Unit: &nbsp;Group Finance, Stress Testing Salary range: circa 65,000 - 75,000 DOE red-hot benefits Location: &nbsp;Remote, UK Flexible Contract type :&nbsp; Permanent Live for the weekday. Live a life more Virgin. Our Team The Data Delivery Consolidation team (DDC) are responsible for the preparation, review / challenge and submission of a range of the Stress Testing Data Framework (STDF) templates and Basis of Preparation documents.&nbsp;&nbsp; This includes the ownership of Net Interest Income and Credit Risk actuals templates, and oversight of other templates (for Actuals and Projections) that are prepared and submitted by SMEs across the bank under the guidance of the DDC team.&nbsp; The team are the guardians of the quality of the submission - responsible for the mandatory reconciliation and validation process and ensuring that our additional controls are successfully executed and can be evidenced to Risk/Audit and senior governance.&nbsp;&nbsp; We're also the first point of contact for the PRA for STDF data queries and are responsible for setting out and tracking timetables for stress test execution and delivery, running regular working groups, and acting as a central point of contact for questions on interpretations/ instructions for the stress test. What you'll be doing Making sure stakeholders understand the STDF requirements, interpretations are consistent, and the templates are completed to the required standard.&nbsp; Being a point of contact for STDF related queries. Ensuring the timely and accurate delivery of all STDF template submissions to the PRA.&nbsp; Some templates are directly owned by the Team so you'll be required to play an active role in preparing the data and liaising with other parts of the bank.&nbsp; Other templates, owned by others, are reviewed and challenged by the DCC team to ensure they meet the standards for submission to the PRA. &nbsp; Executing our suite of data controls to ensure that the submissions meet regulatory expectations.&nbsp; This includes running our automated validation and reconciliation tool, working with others to understand all reconciling items / validation overrides and then justifying them to senior management for sign off prior to submission. &nbsp;It also includes running our suite of additional non-mandatory reconciliation checks and trend/outlier analysis.&nbsp; Leading and managing the process for stakeholder approval of templates, including responding to queries from stakeholders including 1st &amp; 2nd line of defence colleagues involved in the internal review process. Analysing the data submissions - ensuring reconciliations pass to understand what the data is telling us, identifying trends, and arrears for potential focus.&nbsp; Investigating and responding to queries from the PRA on the data submissions. Own the annual review of our STDF exemptions and manual interpretations, ensuring they're completed to the requisite standard.&nbsp; This includes leading the review and implementation of any templates as part of the PRA's three yearly STDF review. Working with the technology team to maintain our automated solution for Credit Risk Actuals and identify further opportunities for automation of other templates and associated controls.&nbsp; This involves identifying process weaknesses and limitations, working with stakeholders to document requirements and liaising with technology teams to oversee the development of automated solutions for reporting.&nbsp; This may also involve some performing testing (primarily user acceptance testing) on any output. We need you to have Significant experience of regulatory reporting spanning any of the following STDF/FINREP/COREP within Financial Services.&nbsp; A proven strong quantitative background, with outstanding Excel skills. A head for numbers and data as you solve complex problems with a beady eye for detail. Proficient in communicating complex instructions clearly, particularly to colleagues with varying levels of technical knowledge. First class organisation skills with the ability to create plans, track activity, using judgment to escalate issues as required to ensure timelines are met.&nbsp; Experience of building strong relationships and fostering teamwork as you collaborate with colleagues across Finance, Risk, Treasury, Commercial and Technology. It's a bonus if you have but not essential A degree in a data orientated field such as STEM Competency in a programming language (ideally R or SAS) Experience in dealing with the Prudential Regulation Authority. Red Hot Rewards Generous holidays - 38.5 days annual leave (including bank holidays and prorated if Part–Time)&nbsp;plus the option to buy more Up to five extra paid well-being days per year&nbsp; 20 weeks paid, gender-neutral family leave (52 weeks in total) for expectant parents and those looking to adopt&nbsp; Market-leading pension Free private medical cover, income protection and life assurance Flexible benefits include Cycle to Work, wellness and health assessments, and critical illness&nbsp; Ability to work anywhere in the UK (where the role allows)&nbsp; And there's no waiting around, you'll enjoy these benefits from day one. Feeling insatiably curious about this role? &nbsp;Apply as soon as you can. If we're lucky to receive a lot of interest, we may close the advert early and would hate you to miss out. We're all about helping you Live a Life More Virgin , so happy to talk flexible working with you. Say hello to Virgin Money We're making great strides towards achieving our ambition of becoming the UK's best digital bank.&nbsp; As a full-service digital bank with a heritage stretching back over 180 years, we`re a workforce to be reckoned with.&nbsp; We're putting the full power of our experience behind disruptive ideas that reinvent the role a bank plays in people's lives. We strive to create positive experiences for our millions of customers and our purpose, ‘Making You Happier About Money', underpins everything we do. We believe in doing banking differently, innovating and working together to make a real difference. Join us and Live a Life More Virgin that empowers you with choice and flexibility in how you work. Be yourself at Virgin Money Our purpose is to make people happier about money, this means seeing and feeling the world as our customers do by creating a workforce that reflects the rich diversity

Stress Testing STDF Data Lead Manager

Business Unit: &nbsp;Risk Salary range: &nbsp;From 100,000 depending on experience&nbsp; Location: &nbsp;Remote - work from anywhere within the UK with occasional travel required to a hub. Be a change maker with more cha-ching. Live a life more Virgin. Our Team We are a team who has a strong focus on ensuring the success of Virgin Money's drive to enhance modelling capability, management, and oversight. We play a vital role in working collaboratively with colleagues across all 3 lines of defence, providing insight and challenge to ensure we continually seek improvements and ensure we are delivering good customer outcomes. As a member of the Model Risk and Analytics (MRA) leadership team you'll report into Chief Model Risk Officer, and you will be responsible for delivering the end-to-end lifecycle of IFRS9 &amp; Stress Testing model development and monitoring. What you'll be doing Lead and be accountable for the design, development and ongoing maintenance and monitoring of best practice model management. Deliver ongoing management and ensure model development of IFRS9 &amp; Stress Testing Models is driven forward by providing thought leadership and team management. Help deliver the Groups Purpose by supporting the team to accurately and dynamically manage the Bank's risk position to ensure we can successfully deliver a great customer experience, also ensuring good customer outcomes. Collate, and collaborate with all colleagues across the 3LOD to present accurate, insightful portfolio MI to Board, Executive and Senior Management within the bank. Chair the Technical forums to ensure timely delivery and robust model life cycle management, and confidently work with Senior Leaders in MRA to improve modelling process efficiency and effectiveness. Work and align with business leaders' diagnosis, prioritisation and development of risk models, including new territories (e.g. Climate Risk models, Collection models, EWS). Be a subject matter expert maintaining a relationship with the PRA and external auditors, ensuring all monitoring frameworks and practice align with industry standards and regulatory requirements. Deliver the very best performance through your team by keeping our purpose, strategic aims, values and behaviours at the heart of all they do. We need you to have Technically proficient in a wide variety of data science algorithms including AI/ML, NLP A broad understanding of the various types of models (IRB, IFRS9, ST, Digital Lending, Early Warning, Collections etc.) Track record of leading analytics engagements, and proven excellence in influencing, challenging, and guiding the business to make decisions. Experience in managing the end-to-end model build, deployment, and monitoring. It's a bonus if you have but not essential A strategic view of the banking industry with an understanding of how its evolution would affect the model set of assets. A strong understanding of advanced development approaches deployed in risk modelling. Advanced degree educated in a data science heavy discipline. Red Hot Rewards Generous holidays - 38.5 days annual leave (including bank holidays and prorated if Part–Time)&nbsp;plus the option to buy more. Up to five extra paid well-being days per year. 20 weeks paid, gender-neutral family leave (52 weeks in total) for expectant parents and those looking to adopt.&nbsp; Market-leading pension. Free private medical cover, income protection and life assurance. Flexible benefits include Cycle to Work, wellness and health assessments, and critical illness. Ability to work anywhere in the UK (where the role allows).&nbsp; And there's no waiting around, you'll enjoy these benefits from day one. Feeling insatiably curious about this role? &nbsp;Apply as soon as you can. If we're lucky to receive a lot of interest, we may close the advert early and would hate you to miss out. We're all about helping you Live a Life More Virgin , so happy to talk flexible working with you. Say hello to Virgin Money We're making great strides towards achieving our ambition of becoming the UK's best digital bank.&nbsp; As a full-service digital bank with a heritage stretching back over 180 years, we`re a workforce to be reckoned with.&nbsp; We're putting the full power of our experience behind disruptive ideas that reinvent the role a bank plays in people's lives. We strive to create positive experiences for our millions of customers and our purpose, ‘Making You Happier About Money', underpins everything we do. We believe in doing banking differently, innovating and working together to make a real difference. Join us and Live a Life More Virgin that empowers you with choice and flexibility in how you work. Be yourself at Virgin Money Our purpose is to make people happier about money, this means seeing and feeling the world as our customers do by creating a workforce that reflects the rich diversity of our customers and communities.&nbsp; We're committed to creating an inclusive culture where colleagues feel safe and inspired to contribute, speak up and be heard.&nbsp;&nbsp; As a Disability Confident Leader, we're committed to removing any obstacles to inclusion.&nbsp; If you need any reasonable adjustments or support making your application, contact our Talent Acquisition team Now the legal bit Living A Life More Virgin allows our colleagues to be based anywhere in the UK (if the role allows it), but we'll need you to confirm you have the right to work in the UK. If you're successful in securing a role with us, there are some checks you need to complete before starting. These include credit and criminal record checks and three years' worth of satisfactory references. If the role is part of the Senior Manager Regime and Certification Regime, it requires enhanced pre-employment checks -&nbsp;we'll ask for six years of regulatory references, and once in the role, you'll be subject to periodic employment checks.&nbsp;

Head of IFRS9 & Stress Testing Analytics

Business Unit / Team: Chief Operating Office Salary range: 40,000 - 55,000 per annum DOE red-hot benefits Location: Remote with flexibility to occasionally visit Glasgow or Gosforth HUB's Contract Type: Permanent Live to inspire change. Live a life more Virgin. Our Team Working in Security Operations is a big deal as we play a key role in keeping Virgin Money safe. We're at the beginning of an exciting new journey with a big vision as we grow our team and enhance our security and cyber operation. We are seeking a curious, technical genius who loves to ask ‘what if?' We are a diverse bunch who love what we do and make sure we have fun along the way, You will be a key part of a dynamic team supporting the organisation's Identity Management (IM) environment. Working closely with both internal colleagues and external 3rd parties, you will be responsible for ensuring change in this area is managed and controlled effectively. Our work is highly specialised, so while we do not expect you to have all the required skills, you will be expected to drive your own development. Your core skills will be enhanced through self-study, paired learning and practical experience, and we will support you with formal training and mentoring as required. What you'll be doing • Responsible for the development, testing, and implementing IAM solutions, ensuring they are robust, secure &amp; resilient. • Supporting development, test and live service through the proactive identification, ownership, diagnosis and swift resolution of live issues. • Improving our delivery through innovation, continuous improvement and automation. • Working with project teams to ensure our solutions meet the organisation's operational and strategic needs. • Supporting live service through the proactive identification of risk and swift resolution of live issues. • Implementing and supporting IM deployments for production and non-production systems. We need you to have • Proven experience in managing and configuring IAM solutions. • An understanding of IAM systems and methodologies. • Strong technical expertise and decision-making skills. • Ability to work on own initiative and take responsibility for team deliverables. • Ability to prioritise multiple activities in a rapidly changing environment. • Strong analytical and problem-solving skills. • Exposure to risk and control concepts. It's a bonus if you have but not essential • Practical experience of federated Identity management through IDaaS using tools such as: Microsoft Entra ID, OKTA. • Practical experience of any of the IBM Enterprise Security solutions. • Knowledge of Information Security concepts such as encryption using keys, SSL or HTTPS. • An understanding of Internet-based Information Technology. • Exposure to J2EE applications. • Practical experience of scripting &amp; Automation tools. Red Hot Rewards • Generous holidays - 38.5 days annual leave (including bank holidays and prorated if Part–Time) plus the option to buy more • Up to five extra paid well-being days per year • 20 weeks paid, gender-neutral family leave (52 weeks in total) for expectant parents and those looking to adopt • Market-leading pension • Free private medical cover, income protection and life assurance • Flexible benefits include Cycle to Work, wellness and health assessments, and critical illness • Ability to work anywhere in the UK (where the role allows) And there's no waiting around, you'll enjoy these benefits from day one. Feeling insatiably curious about this role? Apply as soon as you can. If we're lucky to receive a lot of interest, we may close the advert early and would hate you to miss out. We're all about helping you Live a Life More Virgin , so happy to talk flexible working with you. Say hello to Virgin Money We're making great strides towards achieving our ambition of becoming the UK's best digital bank. As a full-service digital bank with a heritage stretching back over 180 years, we`re a workforce to be reckoned with. We're putting the full power of our experience behind disruptive ideas that reinvent the role a bank plays in people's lives. We strive to create positive experiences for our millions of customers and our purpose, ‘Making You Happier About Money', underpins everything we do. We believe in doing banking differently, innovating and working together to make a real difference. Join us and Live a Life More Virgin that empowers you with choice and flexibility in how you work. Be yourself at Virgin Money Our purpose is to make people happier about money, this means seeing and feeling the world as our customers do by creating a workforce that reflects the rich diversity of our customers and communities. We're committed to creating an inclusive culture where colleagues feel safe and inspired to contribute, speak up and be heard. As a Disability Confident Leader, we're committed to removing any obstacles to inclusion. If you need any reasonable adjustments or support making your application, contact our Talent Acquisition team Now the legal bit Living A Life More Virgin allows our colleagues to be based anywhere in the UK (if the role allows it), but we'll need you to confirm you have the right to work in the UK. If you're successful in securing a role with us, there are some checks you need to complete before starting. These include credit and criminal record checks and three years' worth of satisfactory references. If the role is part of the Senior Manager Regime and Certification Regime, it requires enhanced pre-employment checks - we'll ask for six years of regulatory references, and once in the role, you'll be subject to periodic employment checks.

IAM Engineering Technical Specialist

Business Unit: Chief Operating Office Salary range: 47,200 - 70,800 per annum Contract Type: Permanent Take control of your career. Live a Life More Virgin. Our Team In Quality Engineering Services we are proud that we are the team which deliver the engineering capabilities that enable our customers to engage with their finances when and how they want to. We deliver change right across the bank from in store, web and mobile channels across a range of technologies. We love what we do and it's truly an exciting time to join the team! We're looking for someone ambitious who of course loves the techy side of being a technologist but also someone who cares about delivering engaging customer experiences. We are looking for a best in class Senior Quality Automation Engineer who will provide expertise and knowledge to develop and execute exploratory and automated tests to ensure product quality. You'll work alongside the tribes/squads/project teams to drive test automation and framework(s) that complement the development approach. In this exciting role, you'll work collaboratively with the delivery team to review and input to requirements, specifications, and technical design documents, estimate, prioritise, plan and coordinate testing activities within the team. Interested, keep reading to find out more and apply! What you'll be doing • Developing and executing exploratory and automated tests to ensure product quality. • Working collaboratively with the delivery team to review and input to requirements, specifications and technical design documents, estimate, prioritise, plan and coordinate testing activities within the team. • Leading and mentoring colleagues within our project, squads and tribes ensuring the appropriate development and coaching is in place to ensure the team is successful across the bank. • Working with engineering leads; product owners; project managers and other competency chapter leads to understand the CIO &amp; tribe priorities; working as a team you will facilitate the best solution and help prioritise the backlog which will demonstrate the most relevance for our colleagues and customers. • Feeding into overall delivery estimate, design, develop and execute automation scripts using open source tools as much as possible, develop and apply testing processes for new and existing products to meet stakeholder needs, track quality assurance metric • Proactively identifying technical impediments, working directly to resolve. • Working with colleague to support and educate on quality first principles, whilst facilitating CI/CD. We need you to have • Previous Experience of working in an agile environment with at least foundational experience of digital infrastructure, configuration management, continuous integration &amp; automated software releases • In depth knowledge and understanding of user acceptance testing • Experience in shifting NFT left, this includes performance, Security, Accessibility and Compatibility. • Previous experience of automated software releases, configuration management and system management in a high availability cloud environment; Containerization experience highly desirable • Experience working with build tools like Maven or Gradle as well as compatibility testing tools (ideally Browserstack) • Skilled in automating functional testing in sprint and maintaining automated regression packages • Proficient in applying industry best practices, fostering knowledge sharing to provide solutions for complex business problems. It's a bonus if you have but not essential • Computer Science and/or Engineering degrees (or equivalent practical experience) are preferred while other degree subjects may be considered • Highly effective communication skills working with all levels of the organisation • Ability to thrive in a fast-paced, collaborative environment • Problem solving ability • Relentless focus on delivering business value through sound engineering methods and principles Red Hot Rewards • Generous holidays - 38.5 days annual leave (including bank holidays and prorated if Part–Time) plus the option to buy more • Up to five extra paid well-being days per year • 20 weeks paid, gender-neutral family leave (52 weeks in total) for expectant parents and those looking to adopt • Market-leading pension • Free private medical cover, income protection and life assurance • Flexible benefits include Cycle to Work, wellness and health assessments, and critical illness • Ability to work anywhere in the UK (where the role allows) And there's no waiting around, you'll enjoy these benefits from day one. Feeling insatiably curious about this role? Apply as soon as you can. If we're lucky to receive a lot of interest, we may close the advert early and would hate you to miss out. We're all about helping you Live a Life More Virgin , so happy to talk flexible working with you. Say hello to Virgin Money We're making great strides towards achieving our ambition of becoming the UK's best digital bank. As a full-service digital bank with a heritage stretching back over 180 years, we`re a workforce to be reckoned with. We're putting the full power of our experience behind disruptive ideas that reinvent the role a bank plays in people's lives. We strive to create positive experiences for our millions of customers and our purpose, ‘Making You Happier About Money', underpins everything we do. We believe in doing banking differently, innovating and working together to make a real difference. Join us and Live a Life More Virgin that empowers you with choice and flexibility in how you work. Be yourself at Virgin Money Our purpose is to make people happier about money, this means seeing and feeling the world as our customers do by creating a workforce that reflects the rich diversity of our customers and communities. We're committed to creating an inclusive culture where colleagues feel safe and inspired to contribute, speak up and be heard. As a Disability Confident Leader, we're committed to removing any obstacles to inclusion. If you need any reasonable adjustments or support making your application, contact our Talent Acquisition team Now the legal bit Living A Life More Virgin allows our colleagues to be based anywhere in the UK (if the role allows it), but we'll need you to confirm you have the right to work in the UK. If you're successful in securing a role with us, there are some checks you need to complete before starting. These include credit and criminal record checks and three years' worth of