Financial Crime Risk Specialist, UK

ABOUT TIDE

At Tide we are building a business management platform designed to save small businesses time and money. We provide our members with business accounts and related banking services but also a comprehensive set of connected administrative solutions from invoicing to accounting.

Launched in 2017 Tide is now used by over 1 million small businesses across the world and is available to UK Indian and German SMEs. Headquartered in central London with offices in Sofia Hyderabad Delhi Berlin and Belgrade Tide employs over 2000 employees.

Tide is rapidly growing expanding into new products and markets and always looking for passionate and driven people. Join us in our mission to empower small businesses and help them save time and money.

ABOUT THE TEAM

The Risk & Compliance team is our second line of defence (2LOD) at Tide overseeing risk and compliance across all our global markets. The team covers all risk classes including information security risk financial crime risk conduct risk and operational risk. It is highly collaborative focused on fostering a strong culture of compliance acting as business partners to our first line of defence (1LOD) colleagues and providing expert and independent oversight.

About THE ROLE

Were looking for a Financial Crime Risk Specialist to join our UK 2LOD Financial Crime team. Youll play a key role in overseeing Tides UK financial crime risk framework reviewing complex escalations conducting thematic reviews performing regulatory gap analyses and driving improvements in risk management.

Reporting to the UK Financial Crime Risk Manager youll be a trusted subject matter expert providing oversight challenge and advisory support to 1LOD teams to strengthen compliance and mitigate financial crime risks.

As Financial Crime Risk Specialist you will:

• Manage escalations & reviews: Lead on complex sanctions PEPs and risk appetite cases ensuring effective resolution in the second line of defence.
• Strengthen the risk framework: Maintain and enhance UK financial crime policies and the risk appetite statement; challenge 1LOD risk treatment plans and review evidence of mitigation.
• Governance & reporting:Prepare materials for the Financial Crime Risk Working Group (FCRWG) and support the MLRO and Financial Crime Risk Manager with preparing for the Risk & Compliance Committee (RCC). Maintain independent financial crime MI metrics.
• Assess & analyse: Contribute to the annual EWRA review conduct gap analyses on new regulations and perform targeted framework reviews.
• Oversight & challenge: Review and challenge 1LOD processes to ensure regulatory compliance.
• Collaborate & advise: Act as a key point of contact providing constructive feedback on identified deficiencies.

WHAT WE ARE LOOKING FOR

• 4 years financial crime experience in a UK-regulated financial services firm with at least 2 years in a 2LOD role.
• Strong ability to communicate risk exposure to 1LOD stakeholders both in writing and verbally.
• Proven expertise in evaluating financial crime controls (preventative detective and corrective).
• Deep knowledge of UK financial crime regulations and guidance (MLRs POCA Bribery Act Fraud Offence FCA Handbook JMLSG sanctions regimes) understanding not just the rules but with experience of practical application.
• Understanding of Tides products and associated financial crime risks.
• Awareness of emerging threats and typologies relevant to our member base.
• Self-starter mindset analytical thinking and ability to prioritise in a fast-paced environment.
• Collaborative team player.

WHAT YOULL GET IN RETURN

Our location-specific employee benefits are designed to cater to the unique needs of Tideans:

• Self & Family Health Insurance
• Term & Life Insurance
• OPD Benefits
• Mental wellbeing through Plumm
• Learning & Development Budget
• WFH Setup allowance
• 15 days of Privilege leaves
• 12 days of Casual leaves
• 12 days of Sick leaves
• 3 paid days off for volunteering or L&D activities
• Stock Options

TIDEAN WAYS OF WORKING

At Tide we champion aflexible workplacemodel thatsupports both in-person and remote work to cater to the specific needs of our different teams.

While remote work is supported we believe in the power of face-to-face interactions to foster team spirit and collaboration. Our offices are designed as hubs for innovation and team-building where we encourage regular in-person gatherings to foster a strong sense of community. #LI-AC1 #LI-Remote

TIDE IS A PLACE FOR EVERYONE

At Tide we believe that we can only succeed if we let our differences enrich our culture. Our Tideans come from a variety of backgrounds and experience levels. We consider everyone irrespective of their ethnicity religion sexual orientation gender identity family or parental status national origin veteran neurodiversity or differently-abled status. We celebrate diversity in our workforce as a cornerstone of our success. Our commitment to a broad spectrum of ideas and backgrounds is what enables us to build products that resonate with our members diverse needs and lives.

We are One Team and foster a transparent and inclusive environment where everyones voice is heard.

At Tide we thrive on diversity embracing various backgrounds and experiences. We welcome all individuals regardless of ethnicity religion sexual orientation gender identity or disability. Our inclusive culture is key to our success helping us build products that meet our members diverse needs. We are One Team committed to transparency and ensuring everyones voice is heard.

• Tide doesnotcharge any fees at any stage of the recruitment process.
• All official Tide job opportunities are listed exclusively on ourCareers Pageand applications should be submitted through this channel.
• Communication from Tide will only come from an official@tide.coemail address.
• Tide does not work with agencies or recruiters without prior formal engagement and we do not authorize third parties to make job offers on our behalf.

If you are contacted by anyone misrepresenting Tide or requesting payment please treat it as fraudulent and report it to us immediately at
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