Financial Crime jobs in Italy

United Kingdom

At Tide, we are building a business management platform designed to save small businesses time and money. We provide our members with business accounts and related banking services, but also a comprehensive set of connected administrative solutions from invoicing to accounting.

Launched in 2017, Tide is now used by over 1 million small businesses across the world and is available to UK, Indian and German SMEs. Headquartered in central London, with offices in Sofia, Hyderabad, Delhi, Berlin and Belgrade, Tide employs over 2,000 employees.

Tide is rapidly growing, expanding into new products and markets and always looking for passionate and driven people. Join us in our mission to empower small businesses and help them save time and money.

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.

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.

• 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

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

At Tide, we champion a flexible workplace model thatsupports both in-person and remote work to cater to the specific needs of our different teams.

While remote work is supported, we believe in the power of face-to-face interactions to foster team spirit and collaboration. Our offices are designed as hubs for innovation and team-building, where we encourage regular in-person gatherings to foster a strong sense of community. #LI-AC1

At Tide, we believe that we can only succeed if we let our differences enrich our culture. Our Tideans come from a variety of backgrounds and experience levels. We consider everyone irrespective of their ethnicity, religion, sexual orientation, gender identity, family or parental status, national origin, veteran, neurodiversity or differently-abled status. We celebrate diversity in our workforce as a cornerstone of our success. Our commitment to a broad spectrum of ideas and backgrounds is what enables us to build products that resonate with our members’ diverse needs and lives.

We are One Team and foster a transparent and inclusive environment, where everyone’s voice is heard.

At Tide, we thrive on diversity, embracing various backgrounds and experiences. We welcome all individuals regardless of ethnicity, religion, sexual orientation, gender identity, or disability. Our inclusive culture is key to our success, helping us build products that meet our members' diverse needs. We are One Team, committed to transparency and ensuring everyone’s voice is heard.

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