CASS Manager

At Fluro, we’re on a mission to create a lasting, positive change in the credit industry. As a fast-growing fintech team, we’re building pioneering, fair and accessible digital finance products designed for the UK market-driven by a belief that finance can be a force for good. From our brand to our environmental footprint, we care about the details and do things with purpose.

We foster a highly collaborative culture that values both collective progress and individual autonomy. Whether you’re an experimenter or strategic thinker, you’ll find the freedom to work in a way that suits you best, while making real impact. Innovation is central to how we operate, and we’re not afraid to try new things (and sometimes fail) in pursuit of better solutions.

Fluro is proud to be an equal opportunities employer. We’re committed to building for good-for all people. That means listening more than speaking, and creating space for diverse experiences, backgrounds, and voices to shape our future. If you’re passionate about making finance fairer, smarter, and more human, we’d love to hear from you.

Governance and daily compliance

• Day-to-day CASS 7 compliance and governance.
• Update and review CASS committee packs and lead committee meetings.
• Review and update CASS resolution pack, policies and procedures whenever rules, products or processes change.
• Maintain the CASS breach/incident logs; review raised breaches to ensure accuracy of assessment and rule assignment.
• Maintain client money bank due diligence (NatWest, Starling) and CASS training records.
• Treatment of institutional funder money and the related permission changes.

Regulatory reporting and audit

• Validate, review and submit the monthly CMAR, resolving bank-to-ledger variances before submission.
• Act as main contact for Grant Thornton on the annual CASS audit and provide evidenced responses to audit queries.
• Act as organisational expert on CASS requirements, ensuring that all business changes are analysed for client money implications.
• Work in collaboration with the Head of Compliance, providing regular updates and input to SMCR processes as required.
• Coach finance and operations colleagues on CASS requirements, build knowledge in Finance Manager to be able to cover in absence.

Need to haves:

• Prior CASS role at an FCA-regulated firm holding client money.
• Detailed working knowledge of CASS 7 client money rules: segregation, internal and external reconciliations, the client money requirement and resource, and shortfall/excess treatment.
• Understanding of CASS 7A (client money distribution) and CASS 10 (resolution pack), and how they shape day-to-day controls.
• Familiarity with CASS firm classification, CMAR submissions, and FCA breach notification requirements.

Nice to haves:

• Familiarity with client money reconciliation processes and break resolution.
• FCA engagement in prior roles

• Pension scheme – Fluro matches up to 5%
• Health Insurance, which includes covering the full cost of premiums and can be extended to cover any dependants who live at the same address
• Fluro pays up to £30 per month towards an employee’s gym membership
• Life insurance policy – 4x salary
• Income protection policy
• Service Recognition for 5+ years and 10+ years at Fluro