KYC Team Lead

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 1.6 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 help SMEs save both time and money.

Tide facts:

• Tide is available for UK, Indian, German and French SMEs
• Over 1.6 million members: 800,000 UK and 800,000 in India and growing rapidly
• Over $200 million raised in funding
• Over 2500 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, India

As KYC Team Lead at Tide, you will be responsible for a team of KYC analysts in India, whose role is to conduct stringent checks and due diligence at the onboarding stage and throughout the customer life cycle, to ensure compliance with AML regulation. The KYC team's day is busy, processing volumes of new applications, performing limit increase checks and carrying out further enhanced due diligence.

• Being the subject matter expert on KYC , corporate due diligence and AML risk and managing a team of analysts
• Helping the Head of KYC in Setting up of the KYC function
• Managing Day to Day BAU activities of team of KYC analysts
• Managing the team of KYC analysts through data driven approach
• Resolving the issues raised by KYC analysts and escalations by stakeholders
• Managing and overseeing individual and team KPIs / OKRs
• Managing Internal stakeholder (Member Onboarding team, Member Support Team, Member accession team, Quality Analysis Team, Audit Team etc.) and External (Members, Banking partners etc.)
• Being the subject matter expert, providing ongoing training and continuous knowledge sharing with the analysts in the team
• Keeping yourself abreast about latest changes in KYC/ AML policies and implementation of same at team operational level
• Helping Head KYC in Creating processes, in accordance with our policies, to ensure that we meet rigorous KYC standards whilst building efficiency where possible.
• Working with Product Owners to build automation and system improvements & operational efficiencies
• Building the team of analysts for KYC India process at initial stages

• You have proven yourself as KYC team leader
• You have 6 to 9 years of experience as a team leader in the domain of KYC preferably in financial services e.g. Banking sector and Fintech
• You have expertise in Risk & AML understanding of merchants
• You have decent product understanding and experience of digital KYC trends, processes, and regulations in India
• You are highly motivated, enthusiastic and driven individual with never say die attitude capable to maintain the morale of team in any situation
• You are good team leader who is decisive, goal-oriented and proactive
• You are highly data driven and good capabilities in Excel
• You have abilities of forecasting the changes in requirements of operations of team which should be backed up by data
• You are Highly data driven, comfortable setting goals and KPIs, forecasting and planning.
• You have implemented operational efficiencies in your profile and have worked towards automation of processes (e.g., documentation review)
• You have Tech mindset
• You are comfortable with change, ambiguity, debate, conflict.
• You are a Multi-tasker who can manage multiple streams of work concurrently.
• You have proven record of managing various stakeholders (Internal as well as external) to get things done
• You have good communication skills- written and verbal
• You are willing to work in a shared shift pattern
• You are willing to on work weekends or as and when required

• Competitive salary
• Self & Family Health Insurance
• Term & Life Insurance
• OPD Benefits
• Mental wellbeing through Plumm
• Learning & Development Budget
• 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

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

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

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