KYC Manager Policy & Procedure

ABOUT THE TEAM 

The KYC Policy and Procedure Team are a part of Member Operations and act as a “1.5” line of defence - bridging the gap between 2LoD as the function which sets and governs the risk appetite of Tide, on the one hand, and the 1LoD Operational teams with KYX analysts, on the other.

Our team’s aim is to translate regulatory requirements and internal 2LoD requirements into actionable policies, procedures and processes which balance risk and commercial priorities, as well as customer experience objectives.

ABOUT THE ROLE 

As a KYC Policy and Procedure Manager (France), you will support the definition and implementation of the 1st Line of Defence policies and procedures within the KYC organisation, covering the UK and EU (France). Your role is pivotal in ensuring that KYC practices align with regulatory requirements and internal policies across these jurisdictions. Your role will often act as a conduit between policy setters (2LoD) and operational teams (1LoD), with a policy drafting element in itself.

You should be comfortable navigating external requirements stemming from applicable regulations to Tide’s business activity, partner requirements of Tide’s banking and card partners, as well as internal requirements.

Work tasks and responsibilities relating to the role: 

• Assist in interpreting financial crime regulations and advising on Tide’s compliance approach for the  EU (France) and UK. 
• Contribute to the drafting and maintenance of KYC policies and procedures. 
• Review and assess current processes for policy adherence and collaborate on necessary changes. 4. Support the KYC Product function to ensure regulatory and policy compliance in new product development for the UK and EU markets. 
• Work closely with the 2nd Line of Defence to agree on policy changes and constructively challenge recommendations.
• Assist in audits and oversight from banking partners.
• Collaborate with 2LoD Compliance to implement new regulatory requirements within KYC for the UK and EU.

WHAT WE ARE LOOKING FOR 

• In-depth knowledge of financial crime regulations and ability to stay updated with regulatory changes in the EU (France) and UK . Familiarity with 4AMLD-6AMLD.
• At least three years of experience in a 1st Line of Defence function, Risk & Compliance, or Internal Audit.
• Pragmatic approach to balancing regulatory requirements with customer service and commercial objectives.
• Ability to draft clear, concise, and easy-to-understand policies and procedures.
• Experience in challenging senior stakeholders and maintaining robustness under challenge.
• Background in business banking within an ACPR, AMF or CSSF regulated environment, with experience in FinTech being a plus.
• Enthusiastic about delivering excellent service to members while managing risks effectively.
• Working knowledge of French is a great advantage.
• Exceptional communication and interpersonal skills, both verbal and written, with the ability to engage effectively with senior stakeholders, including external ones, and to articulate regulatory risks and trade-offs in processes and procedures.
• Analytical mindset with a strong focus on operational efficiency, data-driven decision-making.
• Proactive, resilient, and capable of managing multiple projects and stakeholders at once.
• Comfortable in an ambiguous, fast-paced environment and able to adapt to new challenges quickly.
• Detail-oriented, process-driven, and always looking for ways to improve systems and procedures.
• Collaborative team player with a customer-first mindset.

WHAT YOU WILL GET IN RETURN 

• 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 
• 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

At Tide, 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.

TIDE IS A PLACE FOR EVERYONE

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.

You personal data will be processed by Tide for recruitment purposes and in accordance with Tide's Recruitment Privacy Notice.