Job Description
We are seeking a Global Financial Crime Risk Oversight Lead to join our 2LOD team. This role will be responsible for developing and maintaining Tide's financial crime risk framework, including policies, risk assessments, and oversight activities across global products and jurisdictions.
Reporting to Tide's MLRO, this role plays a critical part in managing financial crime risk across new and existing markets.
You must be well-versed in the regulatory requirements of the UK, EU, and India (RBI), and have a strong understanding of industry best practices. The ideal candidate will have extensive experience providing oversight and advisory support to both 1LOD and 2LOD teams, identifying gaps or deficiencies, and presenting these to senior stakeholders to drive change.
This role will also lead internal forums, demonstrate adherence to regulatory requirements and internal frameworks, ensure financial crime risks are recorded in the Risk Register, and support local teams in developing Risk Treatment Plans.
As Global Financial Crime Risk Oversight Lead, you will:
Own and drive Tide's global financial crime oversight programme, ensuring it is aligned with evolving regulatory expectations and business strategy across all jurisdictions.
Develop, implement, and continuously enhance financial crime-related policies, ensuring they are risk-based, scalable, and reflective of global best practices.
Oversee the design and execution of financial crime Management Information (MI) and reporting frameworks, producing insightful, actionable analysis for senior management, Board committees, and global governance forums.
Lead and maintain comprehensive financial crime risk assessments (both enterprise-wide and product-specific), ensuring they are up-to-date, reflective of Tide's risk appetite, and effectively inform the Enterprise-Wide Risk Assessment (EWRA).
Provide expert oversight and challenge in the assessment and launch of new markets and products, ensuring financial crime risks are proactively identified, assessed, and mitigated ahead of go-live.
Identify systemic gaps and strategic opportunities to enhance AML/CTF controls, and drive remediation or optimisation initiatives in collaboration with 1LOD and Compliance counterparts.
Act as a trusted advisor and central point of contact between 1LOD and 2LOD on all matters related to financial crime, fostering a strong risk culture and ensuring clear ownership of responsibilities.
Escalate critical issues and emerging risks to senior stakeholders, actively contributing to governance discussions and supporting risk-based decision-making at the executive and board level.
Conduct in-depth regulatory gap analyses across global markets Tide operates in, translating regulatory developments into tangible action plans and strategic recommendations.
Partner closely with AML and Compliance teams across regions, sharing best practices, aligning on frameworks, and supporting the continuous evolution of Tide's financial crime risk posture.
WHAT WE ARE LOOKING FOR
Minimum 7 years of experience in financial crime roles within a regulated financial services firm (e.g., FCA, BaFin, CSSF, ACPR, or RBI-regulated entities)
Strong track record in a 2LOD function
Proven experience in conducting financial crime risk assessments
Demonstrated ability to effectively communicate with 1LOD stakeholders on risk exposure
Strong understanding of key global financial crime risk indicators and metrics
Ability to summarise complex MI into digestible reports highlighting key trends for senior stakeholders
Excellent verbal and written communication skills; confident presenting at board or governance level
A self-starter who can work independently and is passionate about financial crime prevention
Deep understanding of global regulations and financial crime risks specific to Tide's products and member base
Strong analytical, listening, and prioritisation skills
Ability to thrive in a fast-paced, dynamic environment with shifting priorities
WHAT YOU'LL GET IN RETURN
Our location-specific employee benefits are designed to cater to the unique needs of Tideans:
Flexible working options
Share options
Group Life Insurance
Vitality Health Insurance, with a proactive focus on mental and physical wellbeing
25 days holiday with the ability to buy extra days
3 days for L&D or volunteering time off per year
We invest in your development with a £1,000 professional L&D budget per year
Access to 'salary sacrifice' benefits such as Cycle to Work scheme and pension contribution
Spacious brand-new office near Old Street with an all-day snacks bar
Enhanced family-friendly leave
Sabbatical leave
Reporting to Tide's MLRO, this role plays a critical part in managing financial crime risk across new and existing markets.
You must be well-versed in the regulatory requirements of the UK, EU, and India (RBI), and have a strong understanding of industry best practices. The ideal candidate will have extensive experience providing oversight and advisory support to both 1LOD and 2LOD teams, identifying gaps or deficiencies, and presenting these to senior stakeholders to drive change.
This role will also lead internal forums, demonstrate adherence to regulatory requirements and internal frameworks, ensure financial crime risks are recorded in the Risk Register, and support local teams in developing Risk Treatment Plans.
As Global Financial Crime Risk Oversight Lead, you will:
Own and drive Tide's global financial crime oversight programme, ensuring it is aligned with evolving regulatory expectations and business strategy across all jurisdictions.
Develop, implement, and continuously enhance financial crime-related policies, ensuring they are risk-based, scalable, and reflective of global best practices.
Oversee the design and execution of financial crime Management Information (MI) and reporting frameworks, producing insightful, actionable analysis for senior management, Board committees, and global governance forums.
Lead and maintain comprehensive financial crime risk assessments (both enterprise-wide and product-specific), ensuring they are up-to-date, reflective of Tide's risk appetite, and effectively inform the Enterprise-Wide Risk Assessment (EWRA).
Provide expert oversight and challenge in the assessment and launch of new markets and products, ensuring financial crime risks are proactively identified, assessed, and mitigated ahead of go-live.
Identify systemic gaps and strategic opportunities to enhance AML/CTF controls, and drive remediation or optimisation initiatives in collaboration with 1LOD and Compliance counterparts.
Act as a trusted advisor and central point of contact between 1LOD and 2LOD on all matters related to financial crime, fostering a strong risk culture and ensuring clear ownership of responsibilities.
Escalate critical issues and emerging risks to senior stakeholders, actively contributing to governance discussions and supporting risk-based decision-making at the executive and board level.
Conduct in-depth regulatory gap analyses across global markets Tide operates in, translating regulatory developments into tangible action plans and strategic recommendations.
Partner closely with AML and Compliance teams across regions, sharing best practices, aligning on frameworks, and supporting the continuous evolution of Tide's financial crime risk posture.
WHAT WE ARE LOOKING FOR
Minimum 7 years of experience in financial crime roles within a regulated financial services firm (e.g., FCA, BaFin, CSSF, ACPR, or RBI-regulated entities)
Strong track record in a 2LOD function
Proven experience in conducting financial crime risk assessments
Demonstrated ability to effectively communicate with 1LOD stakeholders on risk exposure
Strong understanding of key global financial crime risk indicators and metrics
Ability to summarise complex MI into digestible reports highlighting key trends for senior stakeholders
Excellent verbal and written communication skills; confident presenting at board or governance level
A self-starter who can work independently and is passionate about financial crime prevention
Deep understanding of global regulations and financial crime risks specific to Tide's products and member base
Strong analytical, listening, and prioritisation skills
Ability to thrive in a fast-paced, dynamic environment with shifting priorities
WHAT YOU'LL GET IN RETURN
Our location-specific employee benefits are designed to cater to the unique needs of Tideans:
Flexible working options
Share options
Group Life Insurance
Vitality Health Insurance, with a proactive focus on mental and physical wellbeing
25 days holiday with the ability to buy extra days
3 days for L&D or volunteering time off per year
We invest in your development with a £1,000 professional L&D budget per year
Access to 'salary sacrifice' benefits such as Cycle to Work scheme and pension contribution
Spacious brand-new office near Old Street with an all-day snacks bar
Enhanced family-friendly leave
Sabbatical leave
💡 Quick Summary
Seeking a career-building opportunity? The Global Financial Crime Risk Oversight Lead position is now open for candidates interested in the Bank Jobs sector. This role in London offers a professional environment and growth potential.
Requirement Snapshot: Candidates should possess basic communication skills, a proactive attitude, and the ability to work in a team. Experience in Bank Jobs is a plus.
