Financial Crime and Investigations Lead - EU

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 and now supports over 2 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 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 2 million members: 900,000 UK and 1,100,000 in India and growing rapidly

Over $300 million raised in funding

Over 2,800 Tideans globally

Recognised with Great Place to Work certification three years in a row, and among India’s Top 50 Best Workplaces in Banking, Financial Services, and Insurance in 2026

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, New Delhi, Berlin, Paris and Luxembourg

ABOUT THE ROLE

We're seeking an experienced Financial Crime Investigations & Reporting Lead – EU to own and oversee the suspicious activity reporting in the first line financial crime teams for our European markets. You'll be accountable for ensuring we produce the highest quality suspicious activity reports and our control frameworks are effective, well-documented, and meet regulatory expectations across multiple EU jurisdictions.

You'll act as the first line owner for financial crime.

You'll be

Acting as first line control owner for ongoing monitoring across EU markets, including transaction monitoring, fraud controls, sanctions screening, and SAR/STR processes

Ensure our processes and controls meet the reporting obligations and are fit for scaling for in the European markets

Approving TPSA process and procedure documentation to ensure alignment with regulatory and internal policy requirements

Monitoring control effectiveness through MI review, exception tracking, and assurance outputs

Representing TPSA (1LOD) in regulatory interactions and responding to queries from regulators, auditors, or Compliance (2LOD)

Supporting the MLRO and Authorised Management with timely updates on control performance, incidents, and remediation

Ensuring compliance with EU and national regulatory requirements (BaFin, ACPR, CSSF, Bank of Spain, Bank of Italy)

Acting as the primary liaison between first line operations and the Compliance function

Escalating material control weaknesses or emerging financial crime risks in line with governance protocols

Providing periodic reporting to senior leadership on control status, performance, and emerging risks

Overseeing remediation of audit, compliance monitoring, and RCAMS actions

WHAT WE ARE LOOKING FOR

Proven experience in financial crime, fraud, or AML control management within a regulated financial services organisation

Strong understanding of first vs second line of defence responsibilities and governance boundaries

Deep technical knowledge of transaction monitoring, sanctions screening, and suspicious activity reporting frameworks

Familiarity with EU and national regulatory requirements for AML/CFT and fraud prevention

Strong analytical and reporting skills, with the ability to interpret MI and assurance outcomes

Excellent written communication skills and experience preparing materials for regulators or senior management

Previous experience as a control owner or governance lead in a multi-jurisdictional environment is desirable

Working knowledge of goAML and regional FIU reporting systems is advantageous

WHAT YOU’LL GET IN RETURN

25 days paid annual leave

3 paid days off for volunteering