Paraplanner

The Opportunity

We’re seeking an experienced Paraplanner to join our product team. This role is ideal for a detail-oriented advice professional who is passionate about improving the quality, accessibility, and scalability of financial advice through technology. Specifically, you will be leveraging your paraplanning and advice experience, to create the future of financial planning software.

You will play an instrumental role in translating real-world advice practices, regulatory requirements, and client scenarios into high-quality product logic, content, and workflows. Working closely with product managers, engineers, and other finance domain experts, you will help ensure our tools reflect best-practice advice standards while remaining clear, compliant, and user-friendly.

This is a technology product paraplanning role; not a client-facing advice role.

Key Responsibilities

Advice Logic, Scenarios & Documentation (40%)

• Design and document advice workflows and client scenarios across accumulation, transition to retirement, and retirement phases
• Define and maintain financial planning assumptions, business rules, and advice logic used within products developed
• Develop compliant advice templates, outputs, and disclosures aligned to scaled and digital advice frameworks
• Create and validate advice scenarios covering contributions, rollovers, pensions, investment strategies, centrelink, and insurance considerations
• Ensure advice logic reflects current superannuation, tax, and social security legislation

Product & Business Analysis (30%)

• Translate advice requirements into clear user stories, decision trees, and functional specifications
• Collaborate with product managers and engineers to ensure accurate implementation of advice logic
• Define acceptance criteria that ensure advice outcomes are technically correct, compliant, and client-appropriate
• Contribute to the design of AI-assisted guidance flows and advice explanations
• Support the ongoing evolution of advice capability across products

Quality Assurance & Compliance Support (20%)

• Review and test advice outputs across a wide range of member profiles and edge cases
• Support internal and external compliance reviews, audits, and regulatory assessments
• Maintain documentation supporting Best Interest Duty, appropriate advice, and record-keeping obligations
• Identify and remediate advice risks, inconsistencies, or gaps in logic or disclosures
• Ensure alignment with ASIC guidance, RG 175, RG 255, and professional standards

Stakeholder Collaboration (10%)

• Work closely with the Chief Product Officer to prioritise advice features and enhancements
• Partner with various internal teams to ensure advice logic meets regulatory expectations
• Support UX designers by providing clear advice explanations and content inputs
• Act as a subject matter expert on advice construction and paraplanning best practice

Essential Qualifications & Experience

Education & Accreditation

• Diploma or Advanced Diploma of Financial Planning (or equivalent)
• Paraplanner experience within an AFSL environment

Core Competencies

• Strong understanding of Australian financial advice frameworks, including the distinction between general, personal, and digital advice
• Deep working knowledge of superannuation, retirement income strategies, and member advice needs across accumulation and retirement phases
• Ability to support the design of advice logic and decision frameworks aligned to Best Interest Duty principles
• Experience interpreting and applying ASIC guidance (e.g. RG 255) and evolving regulatory reforms such as DBFO
• Capability to document advice reasoning, assumptions, scope, and limitations in a manner suitable for regulated advice environments
• Strong understanding of advice risks, warnings, disclosures, and consent requirements
• Ability to collaborate with compliance, legal, and product teams to design advice-ready systems and workflows
• Exceptional written communication skills with a strong focus on clarity, defensibility, and auditability

This role may evolve over time to support regulated financial advice capabilities, subject to legislative and regulatory settings.

Desirable Skills & Attributes

Advice & Regulatory Skills

• Strong ability to reason through advice scenarios, trade-offs, and client outcomes in structured, defensible ways
• Understanding of advice scope boundaries, client appropriateness, and regulatory risk controls
• Ability to identify when additional information, warnings, or exclusions are required to support compliant guidance
• Experience working with or alongside compliance and legal teams in regulated environments
• Capability to document assumptions, limitations, and reasoning clearly for audit and review purposes

Product & Technical Skills

• Ability to translate advice and regulatory requirements into product logic, workflows, and decision trees
• Strong analytical skills with comfort working across complex rule sets (superannuation, tax, social security)
• Experience contributing to digital tools that deliver guidance, modelling, or advice at scale
• Familiarity with agile product delivery environments and cross-functional collaboration
• Comfort working with ambiguity as regulations, product scope, and capabilities evolve

Attributes

• High ethical standards and strong professional judgement
• Detail-oriented with a strong focus on accuracy, defensibility, and risk management
• Clear, structured communicator able to explain complex financial concepts simply
• Curious and adaptable, with a strong interest in the future of digital and AI-enabled advice
• Proactive and self-motivated, able to manage competing priorities in a fast-paced environment
• Collaborative mindset, comfortable working with engineers, product managers, and compliance specialists
• Demonstrated interest in the evolution of digital and regulated financial advice models is highly regarded

What We Offer

• Competitive salary package commensurate with experience
• Opportunity to shape the future of how the population receives financial literacy and advice
• Work with cutting-edge AI and technology platforms
• Professional development opportunities including fintech conferences and training
• Flexible working arrangements with hybrid office/remote options
• Collaborative, innovative team environment without the corporate overheads
• Direct impact on improving financial outcomes for millions of Australians

How to Apply

Please submit your resume and a cover letter (as one document) addressing:

1. Your experience with Australian superannuation advice and modelling
2. Examples of complex financial scenarios you've modelled or documented
3. Your approach to translating technical financial requirements for non-financial audiences
4. Why you're excited about the intersection of financial planning and technology

Equal Opportunity Employer

InvestStream is committed to building a diverse and inclusive team. We encourage applications from candidates of all backgrounds and experiences. We provide reasonable accommodations for candidates with disabilities throughout our recruitment process.