Financial Crime Risk Manager, Tide
Money Laundering Reporting Officer
Business accounts for SMEs
Be an early applicant
Business accounts for SMEs
1001+ employees
Be an early applicant
1001+ employees
Company mission
To save businesses time and money - so they can get back to doing what they love.
Role
Who you are
- Minimum of 5 years of practical experience in financial crime roles within a UK or European Banking Authority supervised firm preferably TRACFIN,ACPR or CSSF regulated financial services firms and has a good understanding of best practise. It's important that you are a free thinker and someone who wants to go over and above to improve the way things are
- Experience engaging with Financial Intelligence Units or other law enforcement organisations in the EU (Raising SARS etc)
- Confident decision maker, capable of making risk decisions on suspicions transactions, PEPs etc
- Experience in conducting Financial Crime risk assessments and ability to communicate effectively with 1LOD teams, to ensure they understand the risks in their area
- Understanding and oversight of Key financial Crime risk indicators and metrics
- Capability to create metrics, and then summarise them into an easily digestible report which calls out the key trends on a monthly basis for senior stakeholders at governance forums
- Excellent verbal, written, and interpersonal communication skills in both English and French
- A real passion for fighting financial crime. At Tide we really care about the impact we made on the wider field when it comes to reducing financial crime
- Participating in external forums and engaging with other Financial Institutes to have an impact is a another area we would want you to be passionate about
- Must be self-motivator, self-starter and ability to work independently and has a genuine passion for financial crime
- Are passionate about using technology, excited about the prospect of building from the beginning and scaling and really getting to grips with products and financial crime risk associated with them
- The ability (and enjoy) to multitask and successfully operate in a fast paced, team environment will be key to your success at Tide. Must adapt well to change and successfully set and adjust priorities as needed
What the job involves
- We are a dynamic, forward-thinking group of professionals, deeply committed to supporting Tide in its growth while maintaining the highest standards of regulatory compliance and risk management. We have great cross-collaboration both within and outside the team and we pride ourselves on our team culture, ways of working and the support we provide to each other and to the business
- In joining the Compliance Team, you will be part of a supportive and knowledgeable group, with opportunities to work on complex, high-impact projects that contribute directly to Tide’s success and growth. You’ll be encouraged to bring new ideas, challenge the status quo, and take ownership of key compliance initiatives
- The MLRO (Money Laundering Reporting Officer) is responsible for making sure the company follows all relevant anti-money laundering (AML) and counter-terrorist financing (CTF) laws, regulations, and internal policies in France. The MLRO will also serve as the main point of contact for French financial intelligence units (FIUs) and regulators. The French MLRO will report into Tide European MLRO
- .Oversee and ensure compliance with ACPR AML/CTF laws & regulations
- Oversee and ensure compliance with French AML/CTF laws, regulations, and TRACFIN circulars
- Stay up to date with changes in AML/CTF laws and regulations in Luxembourg and in the EU , and update internal policies and procedures as needed
- Act as the primary contact point for the Financial Intelligence Unit (FIU) and the ACPR
- Receive and investigate suspicious transaction reports (STRs) and suspicious activity reports (SARs)
- File STRs/SARs with the FIU when appropriate
- Implement and maintain robust AML/CTF policies, procedures, and controls across France
- Conduct regular reviews and updates of AML/CTF framework to ensure its effectiveness
- Lead the AML/CTF risk assessment process, identifying and mitigating money laundering and terrorist financing risks
- Provide guidance on complex AML/CTF issues and high-risk client relationships
- Deliver comprehensive AML/CTF training programs for all relevant staff members
- Ensure staff are aware of their AML/CTF obligations and responsibilities
- Oversee the client onboarding process, ensuring proper Know Your Customer (KYC) and Customer Due Diligence (CDD) procedures are followed
- Monitor transactions and customer behavior for suspicious patterns
- Report regularly to senior management and the European MLRO on AML/CTF matters, including compliance status, identified risks, and remediation efforts
- Collaborate with Legal, Compliance, 1st Line Operations to ensure a cohesive approach to AML/CTF
Our take
Small businesses and sole traders are still underserved by most traditional banks. Tide is solving that problem by offering speedy, affordable and effective financial services tailored to SMEs.
Since its launch, Tide has gained considerable traction among small businesses. This is largely thanks to its fast onboarding times, low fees and the diversity of products, which include a number of accountancy tools. And headed up by a former RBS, C&A and Optanus executive, it is certainly in a unique position within the financial services market.
Having built a strong user base of over 1M customers globally, with 650,000 members in the UK. Through further expansion across Europe and continual addition of 'first-of-its-kind' features, Tide is well set to secure a larger market share.
Freddie
Company Specialist at Welcome to the Jungle
Insights
40% employee growth in 12 months
Company
Funding (last 2 of 9 rounds)
Sep 2025
$120m
GROWTH EQUITY VC
Jan 2023
$24.7m
GROWTH EQUITY VC
Total funding: $409.7m
Company benefits
- Flexible working:A flexible working policy that allows most teams to work from home when they need to
- Family-friendly leave: We go above and beyond the statutory requirement for maternity and paternity leave
- Paid volunteering leave: You’re encouraged to take three days a year as paid volunteering leave for your chosen charity or organisation
- Holiday leave: 25 days a year of paid holiday leave, plus bank holidays
- Sabbatical leave: Take a well-deserved break and come back refreshed
- Extra unpaid leave: Extra time off is available beyond your annual leave allocation
- We keep the team fed: Breakfast, snacks and hot drinks are provided daily, along with regular morning teas and catered events
- Personal development: Personal development budget is available for each Tidean to pursue additional training related to their role
- Private health cover: Private healthcare from Vitality, that includes the ability to earn discounts and rewards for having a healthy lifestyle
- Mental wellbeing : 24/7 Employee assistance, unlimited cognitive behavioural therapy, subsidised mindfulness and relaxation app
Company HQ
City of London, London, UK
Leadership
Dr Oliver Prill
(CEO)Began their career as a Consultant at McKinsey. They also held the role of CEO at both C&A Bank and Optanus, and was COO of Kreditech Holding before joining Tide in 2018.
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