AML & Prohibited Activities (Investigations) Analyst
Tide is a UK-founded fintech business financial platform providing banking and financial-management services to small businesses and sole traders.
About Tide
Tide Platform Limited operates Tide, offering business accounts, payments, accounting and tax tools, savings, payroll, and business finance. Tide is FCA-authorised for electronic-money and payment services and is not itself a bank; its business bank accounts are provided through partner banks including ClearBank.
Skills
Candidate Availability
Required and preferred rules are kept separate and reflect the wording in the original posting.
About the Role
You will monitor transaction and sanctions-screening alerts, investigate suspicious account activity, assess financial-crime risks, and document findings. You will contact members and partner banks for context, prepare defensible SAR recommendations, escalate confirmed sanctions hits, manage your caseload, and identify process improvements.
Requirements
- 2 to 4+ years of experience in transaction monitoring or financial-crime risk roles within financial services
- Understanding of financial-crime typologies, including money laundering, terrorist financing, fraud, sanctions evasion, bribery, tax evasion, and suspicious activity reporting
- Understanding of financial crime in a global financial setup, with a focus on the UK and Europe
- C1/C2 spoken and written English
- Ability to use expert judgment on whether a case warrants a SAR
- Ability to analyze large datasets and identify patterns and trends
- Availability for flexible five-day shift patterns
Responsibilities
- Monitor and investigate alerts from transaction-monitoring and sanctions-screening systems
- Conduct risk-based reviews of customer accounts and transaction histories
- Assess transaction activity against financial-crime typologies
- Synthesize KYC/CDD, public-record, adverse-media, and internal information
- Draft reports on investigation findings
- Contact members and partner banks to obtain contextual information
- Draft and present SAR recommendations
- Compile supporting evidence for case files and audits
- Analyze potential sanctions hits against international lists
- Escalate confirmed sanctions hits to management
- Manage a caseload to meet productivity, quality, and customer-experience targets
- Recommend process improvements
Benefits
- Flexible working options
- Remote work from home or anywhere in the home country
- Work from a different country for 90 days per year
- Group life insurance
- 27 days holiday
- 3 days of L&D or volunteering time off per year
- Professional L&D budget
- Office snacks, light food, and drinks
- Enhanced family-friendly leave
- Sabbatical leave