Opportunity at
TideFinancial Crime and Investigations Lead - EU
The company wants a lead who will direct investigations into financial crime and the filing of suspicious activity reports across its first-line teams in Europe. The…
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About This Role
The company wants a lead who will direct investigations into financial crime and the filing of suspicious activity reports across its first-line teams in Europe. The post holder is answerable for the quality of those reports and for control systems that must function in practice, be clearly documented and meet supervisory expectations in several EU countries. As a first-line control owner, the lead oversees continuous monitoring in EU markets. Areas…
Job Description
The company wants a lead who will direct investigations into financial crime and the filing of suspicious activity reports across its first-line teams in Europe. The post holder is answerable for the quality of those reports and for control systems that must function in practice, be clearly documented and meet supervisory expectations in several EU countries.
As a first-line control owner, the lead oversees continuous monitoring in EU markets. Areas covered include transaction surveillance, anti-fraud checks, sanctions screening and SAR/STR handling. The role also signs off procedural documents and uses management information, exception logs and assurance findings to judge whether controls are working. Keeping the MLRO and senior management informed about incidents, control health and fixes is part of the routine.
External contact is significant. The lead speaks for the first line when regulators or auditors raise questions, acts as the main bridge between frontline operations and Compliance, and tracks the closure of audit, monitoring and RCAMS points.
The ideal applicant has worked on financial crime, fraud or AML controls at a regulated financial firm and understands where first-line duties end and second-line duties begin. Clear writing for regulators and executives is essential. Experience as a control owner across several jurisdictions is a plus, and familiarity with goAML and regional financial intelligence reporting platforms is useful.
Tide provides business banking and administration tools to small and medium-sized firms, serving more than two million members in four markets. The listing does not give an office address for this role.
Responsibilities
- Hold first-line control ownership of transaction surveillance, anti-fraud checks, sanctions screening and SAR/STR work across EU markets
- Make sure reporting duties are met and that controls can expand with European operations
- Approve procedural documents so they conform to rules set by regulators and internal policy
- Judge whether controls work by reviewing MI, exception logs and assurance results
- Represent the first line with regulators and auditors and respond to their questions
- Keep the MLRO and senior management informed about control results, incidents and fixes
- Drive closure of audit points, compliance monitoring issues and RCAMS actions
- Escalate significant control weaknesses and emerging financial crime risks
Requirements
- Demonstrated background managing financial crime, fraud or AML controls at a regulated financial firm
- Clear grasp of where first-line and second-line responsibilities separate
- Working understanding of how surveillance, sanctions checks and suspicious activity reporting systems operate in practice
- Familiarity with EU and national AML/CFT and fraud prevention rules
- Strong analytical and reporting skills, including reading management information and assurance results
- Excellent written communication, including material prepared for regulators and senior management
Qualifications
- Earlier work as a control owner or in governance across several jurisdictions (desirable)
- Practical familiarity with goAML and financial intelligence unit reporting platforms (advantageous)
Core Skills
Benefits
- 25 days of paid annual leave
- Three paid days a year for volunteering or learning activities
- Parental leave for maternity and paternity, extended and funded by the company
- Personal learning and development budget
- Additional health and dental insurance, a mental wellbeing platform and a multisport card
- Food vouchers, office snacks and drinks, and a home-working equipment allowance
- Flexible home working, sabbatical leave and share options
Frequently Asked Questions
Answers are based only on the employer’s listing; where it doesn’t say, neither do we.
Where is this role based?
The posting does not state a specific office location. It covers Tide's European markets, and the listing is marked as on-site.
What is the employment type?
The role is full-time. The listing does not describe a remote or hybrid arrangement beyond the on-site marking.
What salary does the posting state?
The posting lists a salary range of EUR 40,400 to 45,450, along with benefits such as share options and extended leave.
What experience is required?
Candidates need a proven background in managing financial crime, fraud or AML controls within a regulated financial firm, plus knowledge of transaction monitoring and sanctions screening.
How do I apply?
The posting does not describe a separate application process. Use the application option on the original job listing.
Sample Interview Questions
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