Tide

Financial Crime Risk Specialist

Tide

full-time

Posted on:

Location Type: Hybrid

Location: Sofia • 🇧🇬 Bulgaria

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Job Level

Mid-LevelSenior

About the role

  • Report to the UK Financial Crime Risk Manager and act as a subject matter expert in the UK 2LOD Financial Crime team
  • Lead on complex sanctions, PEPs, and risk appetite escalations and reviews, ensuring effective resolution in the second line of defence
  • Maintain and enhance UK financial crime policies and the risk appetite statement; challenge 1LOD risk treatment plans and review evidence of mitigation
  • Prepare materials for the Financial Crime Risk Working Group (FCRWG) and support the MLRO and Financial Crime Risk Manager with Risk & Compliance Committee (RCC) preparation
  • Maintain independent financial crime MI metrics and governance reporting
  • Contribute to the annual EWRA review, conduct gap analyses on new regulations, and perform targeted/thematic framework reviews
  • Review and challenge 1LOD processes to ensure regulatory compliance and provide constructive feedback on identified deficiencies

Requirements

  • 4+ years’ financial crime experience in a UK-regulated financial services firm
  • At least 2 years in a 2LOD (second line of defence) 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 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
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 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

Applicant Tracking System Keywords

Tip: use these terms in your resume and cover letter to boost ATS matches.

Hard skills
financial crime experiencerisk appetite escalationregulatory compliancegap analysisfinancial crime controlsrisk managementgovernance reportingthematic framework reviewssanctions evaluationPEPs evaluation
Soft skills
communicationanalytical thinkingprioritizationcollaborationconstructive feedbackself-starter mindsetteam player