Team Lead, AML & PA, Ongoing Monitoring, UKEurope

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 TEAM:

At Tide were on a mission to save businesses time and money. Were the leading provider of UK SME business accounts and one of the fastest-growing FinTechs in the UK. Using the latest tech we design solutions with SMEs in mind and our member-driven financial platform is transforming the business banking market. Not only do we offer our members business accounts and related banking services but also a comprehensive set of highly connected admin tools for businesses.

Tide is about doing what you love. Were looking for someone to join us on our exciting scale up journey and be a part of something special. We are wanting passionate Tideans to drive innovation and help build a best-in-class platform to support our members. You will be comfortable in ambiguous situations and will be able to navigate the evolving FinTech environment. Imagine shaping how millions of Tide members discover and engage with business banking platforms and building this on a global scale.

ABOUT THE ROLE:

Here at Tide we are looking for a seasoned team leader who

• has a good understanding of Financial Crime Typologies including money laundering terrorist financing fraud and sanctions evasion bribery tax evasion and suspicious activities reporting.
• is passionate and proactive who will help ensure Tide is taking all relevant steps to detect and prevent all aspects of financial crime.
• understands financial crime in a global financial set up with specific focus towards UK and Europe Geography.
• has exceptional communication skills in English (both Written and Speaking).
• can motivate the team and work in an extremely fast paced environment
• can use expert judgement to recommend if a case warrants filing of a Suspicious Activity Report (SAR)

WHAT WE ARE LOOKING FOR:

Key Responsibilities

Team Leadership and Management:

• Lead mentor and motivate a team of AML and sanctions analysts fostering a culture of high performance and vigilance.
• Oversee daily workflow delegate tasks and ensure that all alerts and cases are handled efficiently and in line with Service Level Agreements (SLAs).
• Provide coaching training and professional development to team members.
• Conduct regular performance reviews and provide constructive feedback.

Operational Oversight and Quality Control:

• Act as the primary escalation point for complex or high-risk cases that require expert judgment.
• Where required review and approve the work of analysts to ensure investigations are thorough accurate and properly documented.
• Conduct quality assurance checks to ensure adherence to internal policies and regulatory standards.
• Manage and prioritize alert backlogs to mitigate risk and ensure timely resolution.

Subject Matter Expertise:

• Maintain an in-depth understanding of global AML/CFT laws regulations and sanctions regimes (e.g. OFAC EU UN HMT).
• Stay current with emerging financial crime typologies and provide guidance to the team on new red flags and investigative techniques.
• Act as a subject matter expert (SME) on complex cases offering guidance on investigation strategies and documentation.

Process Improvement and Optimization:

• Collaborate with technology and compliance teams to identify weaknesses and propose enhancements to monitoring rules and systems.
• Contribute to the design testing and implementation of new transaction monitoring scenarios.
• Analyze data to identify trends patterns and inefficiencies and recommend solutions to reduce false positives and improve detection effectiveness.

Communication and Stakeholder Management:

• Prepare and present key performance indicator (KPI) reports and insights to senior management highlighting trends risks and operational performance.
• In partnership with a Manager serve as a key liaison with other departments including Analytics team Fraud Operations 2nd Line of Defence and Product Engineering teams.
• Assist in preparing for internal and external audits and regulatory examinations.
• Engage with employees of partner banks (other than Tide) in cases where Fin Crime investigations are requested on Tides members
  
  

  What makes you a great fit:

  • You have 5 years of experience in a Transaction monitoring Financial Crime risk related role in financial services
  • You have 2 years of experience managing a successful team
  • A genuinely curious mindset asking the right questions at the right times with a problem solving attitude.
  • You have a keen eye for process improvements looking how we can work leaner and more robustly.
  • You have an analytical mind and are able to digest large data sets and spot patterns and trends with ease
  • You are a quick learner explorer and multitasker
  • You have exceptional communication skills written and verbal. Are able to communicate with our members internal stakeholders & regulatory bodies if required
  • You have C1/C2 level of spoken and written English
  • CAMS ICA (or similar industry certifications) held by the candidate will be considered as an advantage.

WHAT YOULL GET IN RETURN:

• Competitive salary
• 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

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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