Financial Crime Risk Specialist, UK

ABOUT THE TEAM

The Risk & Compliance team is our second line of defence (2LOD), 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’re looking for a Financial Crime Risk Specialist to join our UK 2LOD Financial Crime team. You’ll play a key role in overseeing the UK financial crime risk framework — reviewing complex escalations, conducting thematic reviews, performing regulatory gap analyses, and driving improvements in risk management.

Reporting to the UK Financial Crime Risk Manager, you’ll be a trusted subject matter expert, providing oversight, challenge, and advisory support to 1LOD teams to strengthen compliance and mitigate financial crime risks.

As Financial Crime Risk Specialist, you will:

• Manage escalations & reviews: Lead on complex sanctions, PEPs, and risk appetite cases, ensuring effective resolution in the second line of defence.
• Strengthen the risk framework: Maintain and enhance UK financial crime policies and the risk appetite statement; challenge 1LOD risk treatment plans and review evidence of mitigation.
• Governance & reporting: Prepare materials for the Financial Crime Risk Working Group (FCRWG) and support the MLRO and Financial Crime Risk Manager with preparing for the Risk & Compliance Committee (RCC). Maintain independent financial crime MI metrics.
• Assess & analyse: Contribute to the annual EWRA review, conduct gap analyses on new regulations, and perform targeted framework reviews.
• Oversight & challenge: Review and challenge 1LOD processes to ensure regulatory compliance.
• Collaborate & advise: Act as a key point of contact, providing constructive feedback on identified deficiencies.

WHAT WE ARE LOOKING FOR

• 4+ years’ financial crime experience in a UK-regulated financial services firm, with at least 2 years in a 2LOD role.
• Strong ability to communicate risk exposure to 1LOD stakeholders, both in writing and verbally.
• Proven expertise in evaluating financial crime controls (preventative, detective, and corrective).
• Deep knowledge of UK financial crime regulations and guidance (MLRs, POCA, Bribery Act, Fraud Offence, FCA Handbook, JMLSG, sanctions regimes), understanding not just the rules, but with experience of practical application.
• Understanding of Tide’s products and associated financial crime risks.
• Awareness of emerging threats and typologies relevant to our member base.
• Self-starter mindset, analytical thinking, and ability to prioritise in a fast-paced environment.
• Collaborative team player.

WHAT YOU’LL GET IN RETURN

Our location-specific employee benefits are designed to cater to the unique needs of Tideans:

• 25 days paid annual leave
• 3 paid days off for volunteering or L&D activities
• Extended maternity and paternity leave covered by the company
• Personal L&D budget in the amount of 1000 BGN per year
• Additional health & dental insurance
• Mental wellbeing platform
• Fully covered Multisports card
• Food vouchers
• Snacks, light food, drinks in the office
• WFH equipment allowance
• Flexible working from home
• Sabbatical Leave
• Share options

TIDEAN WAYS OF WORKING

We champion a flexible workplace model that supports 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 #LI-Remote

A PLACE FOR EVERYONE

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.

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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