Risk and Compliance Officer

About the organisation

Instant Finance is a long-running leader in personal lending, serving a diverse customer and employee community for more than 54 years. The business is built on acting with integrity, putting customers first, supporting its people, strengthening relationships, and upholding teamwork and genuine care.

Role overview

This is a strong opportunity for an experienced risk and compliance professional to help reinforce governance and regulatory compliance across the company. Working alongside senior leaders, you will monitor changes in regulation, assess what they mean for the business, and help put in place the policies, frameworks, and controls needed to keep the organisation aligned with its obligations. You will also act as a dependable partner to the wider business, contributing to a culture where compliance, sound governance, and risk awareness are part of everyday operations.

What you will do

• Track legislative and regulatory developments, interpret what they require, and evaluate how they affect the business.
• Translate new or changed requirements into updated policies, procedures, controls, and operational processes.
• Build, maintain, and improve compliance frameworks, policy documents, registers, and governance records.
• Work with senior stakeholders to provide guidance on obligations, developing risks, and good compliance practice.
• Produce compliance reports for senior management, the Executive Leadership Team, and relevant regulators.
• Assist with internal and external audits, complaint handling, and regulatory reporting duties.
• Lead or support projects that improve governance, compliance, and the organisation’s control environment.
• Deliver training and increase awareness of compliance responsibilities across the business.
• Provide backup support to the operational Risk & Compliance Officer, including Health & Safety and operational compliance tasks.
• Encourage a culture of accountability, improvement, and proactive compliance throughout the organisation.

What the ideal candidate brings

• Background in risk, compliance, or governance within financial services or another highly regulated environment.
• Practical experience working with New Zealand regulations and legislation, including the ability to apply local requirements in a business setting.
• Working knowledge of one or more of the following: CCCFA, AML/CFT, Privacy Act 2020, FMCA, or Financial Advice Provider obligations.
• Experience creating, reviewing, and maintaining compliance policies, procedures, and governance structures.
• Confidence in influencing and partnering with senior leaders.
• Strong analytical ability, problem-solving skills, and clear communication.
• High level of organisation and close attention to detail.
• Ability to work autonomously while balancing several priorities at once.
• Experienced collections or credit managers who want to transition into risk and compliance are also encouraged, provided they can show leadership capability and regulatory understanding.

Why join Instant Finance

• Supportive environment with a strong focus on growth and development.
• Stable, well-established national brand with a wide-reaching network.
• Eligibility for a company bonus scheme.
• Life insurance coverage.
• KiwiSaver contributions matched up to 5%.
• Discounts with leading retailers.
• Real career growth opportunities within risk and compliance.

Additional information

This role is based in Auckland, New Zealand and is a full-time onsite position. Applications close on 30 July 2026, or earlier if the position is filled before then.