Director of Engineering

ABOUT TIDE

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 1.8 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 serve our mission: to help SMEs save both time (and money) so they can get back to doing what they love.

Tide facts

Tide is available for UK, Indian, German and French SMEs

Over 1.8 million members: 800,000 UK and 1,000,000 in India and growing rapidly

Over $300 million raised in funding

Over 2,500 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, and in Berlin, Paris and Luxembourg.

ABOUT THE ROLE

We’re looking for a Director of Engineering to lead our Ongoing Monitoring technology teams. This group is at the heart of how we serve our members – building the systems that power Tide’s fraud, risk, and AML operations. A Director of Engineering at Tide for Fraud, AML and Risk leads the strategic vision and development of AI/ML-driven detection systems. The role requires scaling machine learning models to analyze massive transaction volumes, overseeing model governance, and ensuring compliance with financial regulations. This is a role for someone who loves scaling technology and people. You’ll partner with Product, Risk, and Operations leaders to shape the future of our Ongoing Monitoring platform.

As a Director of Engineering at Tide you’ll be

Owning the technology strategy and roadmap for Ongoing Monitoring (Fraud, Financial Risk, AML, AI workflows, tooling, and automation).

Building autonomous, multi-agent workflows that automatically investigate alerts, query external data sources, chain complex reasoning steps, and make initial risk determinations.

Developing detection systems to identify and block adversarial agentic behavior, such as automated bot swarms, deepfake-powered KYC bypasses, and algorithmic fraud loops.

Ensuring all AI systems are auditable, explainable, and aligned with global anti-money laundering (AML) directives and data privacy standards.

Leading and growing multiple engineering squads – building an inclusive, high-performance culture.

Partnering with Product, Data, AI, Risk, and Ops to deliver tools that improve our predictive ML modelling and agentic AI capabilities.

Championing automation, data-driven decision making, and AI/ML opportunities to reduce operational cost and friction.

WHAT WE ARE LOOKING FOR

18+ years of engineering experience with 7+ years in leadership roles (Director/Senior Director level).

Machine Learning: Strong experience in supervised and unsupervised models, decision trees, neural networks, and Large Language Models (LLMs).

Agent Frameworks: Hands-on experience with multi-agent orchestration frameworks (e.g., LangGraph, AutoGen) used to build self-correcting compliance workflows.

Fintech Domain Knowledge: Deep understanding of fraud vectors (e.g., mule accounts, account takeovers, synthetic identity fraud) and AML typologies.

Adversarial AI Security: Proven track record in detecting deepfakes, synthetic identities, and prompt injection attacks targeting financial systems.

Risk/Scale: Minimum 7+ years building and deploying production-grade, risk-scoring environments at scale.

Experience with fintech platforms - risk/compliance tooling (AML, Fraud, Financial Risk, SARs, KYX, agentic AI detections )

Excellent people leadership skills – you know how to grow and inspire teams.

Solid techni