Global Financial Crime Lead

Global Financial Crime Risk Oversight Lead

The Risk & Compliance team is our second line of defence (2LOD) at Tide, overseeing risk and compliance across all our global markets. The team covers all risk classes, including information security risk, financial crime risk, conduct risk, and operational risk. It is highly collaborative, focused on fostering a strong culture of compliance, acting as business partners to our first line of defence (1LOD) colleagues, and providing expert and independent oversight.

About THE ROLE

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