Financial Crime and Investigations Lead - EU

The role

You will take accountability for the first line suspicious activity reporting and financial crime control framework across European markets. This is a management-level governance and control ownership role.

What you will do

• Owning the first line control framework including transaction monitoring, fraud controls, sanctions screening and SAR/STR processes
• Representing the first line in meetings and correspondence with EU and national regulators
• Setting the reporting standard for suspicious activity reporting across EU jurisdictions
• Approving process and procedure documentation to ensure alignment with regulatory expectations
• Assuring control effectiveness through MI review, exception tracking and assurance outputs
• Advising the MLRO and Authorised Management on control performance and emerging risks
• Escalating material control weaknesses and emerging financial crime risks
• Taking ownership of audit and compliance monitoring actions through to closure
• Acting as the primary senior liaison between first line operations and the Compliance function
• Ensuring regulatory compliance across BaFin, ACPR, CSSF, Bank of Spain and Bank of Italy

Required qualifications

• Significant senior-level experience typically 8+ years in financial crime, fraud or AML, including time in a management or governance role within a regulated financial services organisation
• A track record of owning financial crime controls with the ability to evidence effectiveness through MI, QA and assurance testing
• Demonstrable experience of engaging directly with regulators, auditors or the second line
• Experience presenting to and influencing senior management and executive audiences
• Strong grasp of first versus second line of defence accountabilities and governance boundaries
• Deep technical knowledge of transaction monitoring, sanctions screening and suspicious activity reporting frameworks
• Working knowledge of EU and national AML/CFT and fraud prevention requirements
• Strong analytical and written communication skills

Nice to have

• Experience as a control owner or governance lead in a multi-jurisdictional environment
• Working knowledge of goAML and regional FIU reporting systems

Benefits

• 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

About the company

Tide helps SMEs save time and money by offering business accounts, banking services, and administrative solutions. The company supports over 2 million members globally across the UK, Germany and France.