Team Lead, AML & PA, Ongoing Monitoring, UK/Europe Full Time NEW

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: 800,000 UK and 1,000,000 in India and growing rapidly
• Over $300 million raised in funding
• Over 2,500 Tideans globally – we’re 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, we’re on a mission to save businesses time and money. We’re 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. We’re 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)

Key Responsibilities

WHAT WE ARE LOOKING FOR:

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 Tide’s 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 You’ll 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 everyone’s 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 everyone’s voice is heard.

Disclaimer

It Has Come To Our Attention That Individuals Or Agencies Are Falsely Claiming To Represent Tide And Are Reaching Out To Candidates Regarding Job Opportunities. Please Be Aware That

• Tide does not charge any fees at any stage of the recruitment process.
• All official Tide job opportunities are listed exclusively on our Careers Page and applications should be submitted through this channel.
• Communication from Tide will only come from an official @tide.co email 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 talent@tide.co

Tide leverages AI to enhance our hiring experience. You can read more about how we use AI in our recruitment process in our AI Policy.

Your personal data will be processed by Tide for recruitment purposes and in accordance with Tide’s Recruitment Privacy Notice.