Onboarding KYC Lead (UK Market)

ABOUT TIDE

At Tide we help SMEs save time (and money) in the running of their businesses by not only offering business accounts and related banking services but also a comprehensive set of highly usable and connected administrative solutions from invoicing to accounting.

Tide is transforming the small business banking market with over 1.8 million members globally across the UK India Germany and France.

Using advanced technology all solutions are designed with SMEs in mind. With quick onboarding low fees and innovative features we thrive on making data-driven decisions to serve our mission: to help SMEs save both time (and money) so they can get back to doing what they love.

Tide facts:

• Tide is available for UK Indian German and French SMEs
• Over 1.8 million members: 800000 UK andin India and growing rapidly
• Over $300 million raised in funding
• Over 2500 Tideans globally - were diversity champions!
• We have offices in Central London with a member support and technology centre in Sofia Bulgaria technology centres in Serbia Romania Lithuania and Hyderabad and offices in Gurugram and New Delhi and in Berlin Paris and Luxembourg.

ABOUT THE ROLE

We are seeking a strategic and driven Onboarding KYX Lead to oversee and evolve Tides First Line KYC function for new member onboarding. This senior leadership role is critical to ensuring that our onboarding processes are robust scalable efficient and compliant with regulatory expectations in all markets we operate in.

As the Onboarding KYC Lead youll be responsible for managing large operational teams driving continuous process improvements ensuring adherence to KYC and AML standards and collaborating closely with cross-functional stakeholders including Product Compliance QA and Support. You will lead efforts to scale onboarding operations in our primary market - the UK with a strong focus on quality automation member experience and risk mitigation.

WHAT WE ARE LOOKING FOR

• Lead a high-performing First Line KYC function responsible for all pre-boarding and onboarding activities including identity verification business verification risk profiling and screening
• Ensure operational execution of Tides KYC framework during onboarding
• Design and implement efficient and scalable onboarding workflows aligned with regulatory requirements and internal risk appetite
• Partner with Compliance to embed regulatory changes and new requirements into operational processes
• Own and continuously improve onboarding SLAs quality controls and operational metrics to deliver high-quality outcomes at scale
• Define and oversee the use of automation tooling and data sources to optimize onboarding throughput and accuracy
• Collaborate with Product and Engineering teams to define onboarding requirements and support feature development and rollout
• Maintain strong oversight over headcount forecasting and cost control within the function
• Represent the onboarding KYC function in internal governance forums risk committees audits and regulatory interactions
• Drive a culture of ownership collaboration compliance and member-first mindset across all teams under your remit
• At least 5 years of senior leadership experience in KYC onboarding or AML operations within Financial Services Fintech or regulated sectors
• Strong expertise in KYC onboarding frameworks member due diligence business verification and risk assessment processes
• Experience managing large operational teams with a proven track record of developing people and building culture
• In-depth knowledge of relevant regulatory frameworks (e.g. UK Money Laundering Regulations EU AMLD local licensing obligations)
• A strong understanding of risk typologies relevant to onboarding: impersonation fraud synthetic identities shell companies PEPs sanctions etc.
• Demonstrable experience working with Product and Tech teams to implement operational tools decision engines and automation solutions
• Excellent communication influencing and stakeholder management skills capable of engaging with senior leaders and regulators
• Fluency in English
• A data-driven mindset confident in using KPIs MI and analytics to drive operational performance and decision making
• Ability to thrive in a fast-paced scaling business with evolving priorities

WHAT YOULL GET IN RETURN

Make work work for you! We are embracing new ways of working and support flexible working arrangements. With our Working Out of Office (WOO) policy our colleagues can work remotely from home or anywhere in their home country. Additionally you can work from a different country for 90 days of the year. Plus youll get:

• Self & Family Health Insurance
• Term & Life Insurance
• OPD Benefits
• Mental wellbeing through Plumm
• Learning & Development Budget
• WFH Setup allowance
• Family & Friendly Leaves

TIDEAN WAYS OF WORKING

At Tide we champion a flexible workplace model that supports 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.

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
Your safety and trust are important to us and we are committed to ensuring a fair and transparent recruitment process.

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