Financial Crime Risk Specialist

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 2,000 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

We're looking for a Financial Crime Risk Specialist to join our UK 2LOD Financial Crime team. You'll play a key role in overseeing Tide's 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, you'll 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 Tide's 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 YOU'LL 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 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. #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 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 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
Your safety and trust are important to us, and we are committed to ensuring a fair and transparent recruitment process.

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

Experience LevelSenior Level

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