Who are Tide:

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.

What we’re looking for:

At Tide we are looking for a UK Financial Crime Risk Manager, to work as part of our 2nd line of defence team. The role will be responsible for assisting, creating and developing Tides financial crime policies and risk assessments. The role reports to Tide Financial Crime Risk Lead is an integral part of managing Tide Financial Crime Risk for new and existing products.

The UK Financial Crime Risk Manager must be aware of all UK regulatory requirements Tide faces, including industry best practices for mitigating risks. They must have experience in providing advisory and oversight to 1st line of defence teams in order to understand gaps or deficiencies and be comfortable sharing these with senior stakeholders to drive change. They will lead internal forums to demonstrate Tide's adherence to regulation and internal risk management frameworks. The UK FC Risk Manager will ensure that all financial crime risks at Tide are recorded on the Risk Register and will assist 1LOD with Risk Treatment plans to reduce the risks that have materialised as priority, whilst documenting emerging risks in conjunction with Financial Crime Intelligence.

As a Financial Crime Risk Manager you’ll be:

• Able to create and maintain the financial crime risk assessment on an annual basis and product specific risk assessments. Both of which will ultimately feed into Tide's Enterprise Wide Risk Assessment
• Able to identify gaps and opportunities for improvement in AML policies, procedures and processes, and inform risk appetite across the business
• Maintaining an effective working relationship between the 1st and 2nd line of defence. This role will be the point of contact on matters relevant to financial crime prevention, including escalating significant matters, providing additional information, analysing/interpreting legal, regulatory and internal policy/procedure issues. This includes proactively escalating financial crime risks to all relevant stakeholders at internal governance forums.
• Collaborating and assisting AML and Compliance team members as necessary for continuous improvement of processes and to share best practices
• Staying abreast to new UK regulations and legislative rules, conducting gap analysis reports, with clear action plans where appropriate

What makes you a great fit:

• Minimum of 5 years of practical experience in financial crime roles within an FCA / PRA-regulated financial services firm
• Specifically, in a 2nd line of defence team
• Experience in conducting Financial Crime risk assessments and ability to communicate effectively with 1LOD teams, to ensure they understand the risks in their area
• Understanding and oversight of Key financial Crime risk indicators and metrics
• Capability to summarise metrics into an easily digestible report which calls out the key trends on a monthly basis for senior stakeholders at governance forums
• Excellent verbal, written, and interpersonal communication skills in English
• Must be self-motivator, self-starter and ability to work independently and has a genuine passion for financial crime
• Focus on UK regulations and financial crime risks specific to Tide, our member base and the products we offer
• Exceptional listening and analytical skill
• Ability to multitask and successfully operate in a fast-paced, team environment.
• Must adapt well to change and successfully set and adjust priorities as needed.

What you’ll 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, you’ll get:

• Competitive salary
• Vitality Health Insurance, with a proactive focus on mental and physical wellbeing
• 24/7 Employee Assistance Programme
• 25 days holiday with the ability to buy extra days
• We invest in your development with a £1,000 professional L&D budget per year
• Access to ‘salary sacrifice’ benefits such as Cycle to Work scheme and pension contribution
• Spacious brand new office in Liverpool street with an all-day snacks bar
• Enhanced family-friendly leave
• 24 hours paid volunteering time off per year
• Flexible working options
• Sabbatical leave
• Share options

Tidean Ways of Working

At Tide, we’re Member First and Data Driven, but above all, we’re One Team. Our Working Out of Office (WOO) policy allows you to work from anywhere in the world for up to 90 days a year. We are remote first, but when you do want to meet new people, collaborate with your team or simply hang out with your colleagues, our offices are always available and equipped to the highest standard. We offer flexible working hours and trust our employees to do their work well, at times that suit them and their team.

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 status or disability status. We believe it’s what makes us awesome at solving problems! We are One Team and foster a transparent and inclusive environment, where everyone’s voice is heard.

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