Monitor and investigate alerts generated by automated transaction monitoring and sanctions screening systems. - Conduct comprehensive, risk-based reviews of customer accounts and transaction histories to identify suspicious patterns or activities that deviate from a customer's normal behavior. - Synthesize information from various sources, including customer profiles (KYC/CDD), public records, adverse media, and internal data. - Assess the transactional activity in the context of financial crime typologies across a variety of payment types and financial products offered. - Draft a concise, yet comprehensive report on findings prior to discounting the alert or reporting suspicious activity. - Contact the member (customer) via email, chat or by phone to seek additional contextual information without tipping off. - Contact representatives of partner banks via emails in cases where a fin crime investigation is required on Tide’s member
Draft and present detailed, well-reasoned SAR recommendations to experts responsible for filing SARs to regulatory authorities. - Construct a clear, concise, and defensible narrative outlining the suspicious activity, the investigative steps taken, and the rationale for the recommendation. - Ensure all supporting documentation and evidence is accurately compiled and included in the case file for audit purposes. Sanctions Screening:
Analyze potential sanctions hits against international lists (e.g., OFAC, EU, UN, HMT) for cross border payment transactions. - a risk-based approach to differentiate between a true match and a false positive based on criteria like phonetic similarities, aliases, and supporting data. - Escalate confirmed sanctions hits to management immediately for asset blocking or reporting. ## WHAT WE ARE LOOKING FOR
Here at Tide, we are looking for someone who
has a good understanding of Financial Crime Typologies including money laundering, terrorist financing, fraud, and sanctions evasion, bribery, tax evasion, and suspicious activities reporting. - is passionate and proactive, who will help ensure Tide is taking all relevant steps to detect and prevent all aspects of financial crime. - understands financial crime in a global financial set up with specific focus towards UK and Europe Geography. - has exceptional communication skills in English (both Written and Speaking). - can use expert judgement to recommend if a case warrants filing of a Suspicious Activity Report (SAR)
This role is a key element of our ongoing monitoring team sitting within the first line of defence. You’ll be responsible for ensuring we put our genuine members first, through monitoring transaction types and behaviours across our customer base, whilst spotting and investigating potentially suspicious activity. What makes you a great fit:
You are open to flexible shift timings and patterns, it will be five days working with two days off not necessarily weekends.
You have 1+ years of experience in a Transaction monitoring, Financial Crime risk related role in financial services
You have a keen eye for process improvements, looking how we can work leaner and more robustly. - You have an analytical mind and are able to digest large data sets and spot patterns and trends with ease
You have exceptional communication skills, written and verbal. Are able to communicate with our members (including via telephone) , internal stakeholders & regulatory bodies if required
You have C1/C2 level of spoken and written English
WHAT YOU WILL GET IN RETURN
25 days paid annual leave
3 paid days off for volunteering or L&D activities
Extended maternity and paternity leave covered by the company
Personal L&D budget
Additional health & dental insurance
Mental wellbeing platform
Fully covered Multisports card
Food vouchers
Snacks, light food, drinks in the office
WFH equipment allowance and Transportation Allowance
Transportation bonus to cover office commute under the hybrid work arrangement
TIDEAN WAYS OF WORKING
At Tide, we champion a flexible workplace model thatsupports both in-person and remote work to cater to the specific needs of our different teams. While remote work is supported, we believe in the power of face-to-face interactions to foster team spirit and collaboration. Our offices are designed as hubs for innovation and team-building, where we encourage regular in-person gatherings to foster a strong sense of community. ## 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 or differently-abled status. 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.
Tide leverages AI to enhance our hiring experience. You can read more about how we use AI in our recruitment process in our AI Policy.
Your personal data will be processed by Tide for recruitment purposes and in accordance withTide's Recruitment Privacy Notice.**
