Job Description

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 Senior Analyst with a strong understanding of Fraud and Financial Crime prevention measures. We need a passionate and experienced individual, who has a drive to ensure Tide is taking all the relevant steps to prevent all aspects of financial crime. It would be beneficial if you have experience of attending Law Enforcement-led forums such as the NECC and JMLIT, for example.

As a Complex Investigations Senior Analyst, you will be responsible for conducting deep-dive financial crime investigations and analysis using in-house data and open source intelligence. You will be expected to have experience of submitting high-quality SARS and making recommendations to contribute to the continuous improvement of the Financial Crime controls framework, as part of this role within the 2LoD. You should be skilled in detecting and investigating financial crime typologies including money muling, smurfing, fraud scams, human trafficking, terrorist financing, tax evasion and bribery and corruption.

You will be a senior member of our high performing Complex Investigations Team, reporting to Tide`s Complex Investigations Manager; working towards specified targets and meeting identified SLA\'s. You will also be involved in wider Financial Crime projects working with, and presenting your findings to, other teams across the business such as KYC, Ongoing Monitoring, Member Support and others, so stakeholder management and organisational skills are key. We are looking for a team player and so you would be supporting colleagues in their decision-making, coaching and also assisting our training teams in rolling out new and updated procedures.

As a Complex Investigations Senior Analyst you\'ll be:

• Investigating cases of fraud/money laundering/TF/HT (and others) and discovering potential links with external accounts - this will include analysis of complex networks and accounts
• Conducting typology and sector analysis and reviews to identify potential gaps in the controls framework
• Liaising with law enforcement, including attendance at NECC, JMLIT and working group meetings to identify emerging trends and for information sharing purposes to benefit Tide
• Leading on projects, developing financial crime controls and providing oversight on many financial crime processes within the investigations framework and progressing conversations with stakeholders
• Investigating potential sanctions matches
• Writing Suspicious Activity Reports (SARs) within the NCA Database and discussing the submissions with senior managers/MLRO for approval where required
• Working with the Team Manager and wider Financial Crime Team to provide support, advice and guidance on policies and procedures
• Managing your own case load to meet performance targets
• Providing ongoing support and development to colleagues in conducting in-depth investigations for more complex cases
• Implementing and ensuring timely compliance to new or revised standards and procedures
• Sharing identified lessons learned to colleagues internally across the Three Lines of Defence through presentations in the Cases Showcase
• Assisting with other financial crime related tasks and projects as required

What makes you a great fit:

• You have 2+ years of experience in a Compliance-related role, specialising in business related anti-money laundering/fraud investigations at a leading FinTech or bank
• You have a strong understanding of predicate offences, including but not limited to, Human Trafficking, Financing Terrorism, Tax Evasion
• You have a working knowledge of the risks related to the applicable Sanctions regimes
• You are used to challenging stakeholders and remain robust when challenged yourself
• You are able to work well as part of a team; decisive; goal-oriented; proactive
• You have strong understanding of UK AML/CTF frameworks, including POCA, UK MLRs, RBI regulations, JMLSG, PSD2
• You have written Suspicious Activity Reports (SARs) within the NCA database
• You have conducted investigations, including transaction reviews and third party referrals
• You have good knowledge of risk indicators in relation to various money laundering and terrorist financing typologies
• You possess exceptional listening and analytical skill
• You have excellent verbal, written, and interpersonal communication skills in English;
• You are a self-motivator and self-starter
• You are able to multitask and successfully operate in a fast-paced, team environment;
• You have prior experience in business banking in an RBI regulated environment. Experience at a FinTech or technology-driven regulated institution is a bonus!
• Preferably, you will hold a CAMS or ICA certifications or be willing to attain such
• You may have university degree

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
• Group Life Insurance
• 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 \xc2\xa31,000 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

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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