Financial Crime and Investigations Lead - EU

About the role

<div class="content-intro"><h3><strong>A</strong><strong>BOUT TIDE</strong></h3> <p>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.</p> <p>Tide is transforming the small business banking market and now supports over 2 million members globally across the UK, India, Germany and France.</p> <p>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.</p> <p><strong>Tide facts:</strong></p> <ul> <li>Tide is available for UK, Indian, German and French SMEs</li> <li>Over 2 million members: 900,000 UK and 1,100,000 in India and growing rapidly</li> <li>Over $300 million raised in funding</li> <li>Over 2,800 Tideans globally</li> <li>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</li> <li>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</li> </ul></div><h3>ABOUT THE ROLE:</h3> <p>We're seeking an experienced <strong>Financial Crime Investigations & Reporting Lead – EU</strong> 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.</p> <p>You'll act as the first line owner for financial crime.</p> <p><strong>You'll be:</strong></p> <ul> <li>Acting as first line control owner for ongoing monitoring across EU markets, including transaction monitoring, fraud controls, sanctions screening, and SAR/STR processes</li> <li>Ensure our processes and controls meet the reporting obligations and are fit for scaling for in the European markets</li> <li>Approving TPSA process and procedure documentation to ensure alignment with regulatory and internal policy requirements</li> <li>Monitoring control effectiveness through MI review, exception tracking, and assurance outputs</li> <li>Representing TPSA (1LOD) in regulatory interactions and responding to queries from regulators, auditors, or Compliance (2LOD)</li> <li>Supporting the MLRO and Authorised Management with timely updates on control performance, incidents, and remediation</li> <li>Ensuring compliance with EU and national regulatory requirements (BaFin, ACPR, CSSF, Bank of Spain, Bank of Italy)</li> <li>Acting as the primary liaison between first line operations and the Compliance function</li> <li>Escalating material control weaknesses or emerging financial crime risks in line with governance protocols</li> <li>Providing periodic reporting to senior leadership on control status, performance, and emerging risks</li> <li>Overseeing remediation of audit, compliance monitoring, and RCAMS actions</li> </ul> <h3>WHAT WE ARE LOOKING FOR:</h3> <ul> <li>Proven experience in financial crime, fraud, or AML control management within a regulated financial se