The Company
Timeline is a financial technology company on a mission to help millions of people plan, invest for, and enjoy retirement with confidence.
As a privately owned fast-growing fintech company providing Platform, MPS and financial planning solutions, we are well placed to disrupt the traditional financial services market. Our technology cuts out unnecessary costs, inefficiencies and anxiety for financial advisers, while improving the long-term investment returns for their clients.
We are a remote-first company with team members in over 13 countries. And given our diversity of thought, backgrounds and life experiences, we are constantly striving to celebrate individual uniqueness, while achieving our common mission. As a scaling, high-growth company, developing and adapting are the norm. If you’re after a dynamic company where you will make a real difference, then read on!
Role & Responsibilities
We are seeking an experienced Product Associate to join Timeline’s first line of defence on a three month fixed-term contract. This role has been created to support delivery of Timeline’s Consumer Duty activities, with a particular focus on fair value assessments,
The role sits within the first line and works closely with the investment, distribution and risk and compliance teams. It requires a candidate with direct, hands-on experience of Consumer Duty implementation in a DFM or MPS context, and the analytical rigour to translate regulatory requirements into well-evidenced, documented assessments.
Key responsibilities include:
Fair Value Assessments
- Conduct fair value assessments (FVAs) across MPS models and risk profiles, including bespoke
- Conduct FVAs for the Multi Asset Funds range
- Maintain Timeline FVA procedures
Target Market Analysis
- Review and update target market analysis (TMA) across the MPS and Multi Asset Funds range, ensuring alignment with PROD rules and Consumer Duty requirements
- Ensure TMA documentation is comprehensive and complete
Outcome Testing
- Support outcome testing activities
- Define methodologies, data sources and assessment criteria
- Collate and analyse MI
- Prepare outcome testing results for reporting to the Investment Committee
Consumer Duty MI and Board Reporting
- Support the Consumer Duty Board reporting
- Contribute to the development of Consumer Duty MI frameworks, including data sources, collection processes and assessment criteria
Stakeholder Collaboration
- Work closely with the investment team, sales and distribution functions and risk and compliance team to gather data, validate assumptions and ensure consistency across assessments
Role Requirements
Core knowledge & experience:
- 4+ years’ experience in a product, investment, or compliance role within an FCA-regulated investment firm
- Direct, hands-on experience of Consumer Duty implementation, including conducting fair value assessments and target market analysis - essential
- Strong working knowledge of PRIN 2A, PROD, and the FCA’s Consumer Duty guidance and related publications
- Experience in a discretionary fund manager, MPS provider, or investment platform business - essential
- Analytical and numerically confident, with the ability to interpret cost, performance, and value data and translate findings into well-structured written assessments
- Excellent written communication skills, with the ability to produce board and committee-level documentation
- Ability to work independently, manage multiple workstreams, and deliver to tight deadlines
Ideal knowledge & experience:
- Experience working with distributor data and managing data gaps in the context of fair value and PROD assessments
- Understanding of MiFID II product governance requirements and their interaction with Consumer Duty
- Professional qualifications (e.g., CISI, CFA, IMC) desirable but not essential
The Package
-
Competitive salary, dependent on experience
- Non-contributory pension scheme
- 28 days’ holiday plus bank holidays
- Non-contractual bonus scheme
- Potential to join company option scheme
- Insurance plans
- Cost of relevant professional qualifications and memberships
- Hybrid working
- Flexible hours (depending on team requirements)
- Wellbeing support
