AML Analyst with German

ABOUT TIDE

At Tide we help SMEs save time (and money) in the running of their businesses by not only offering business accounts and related banking services, but also a comprehensive set of highly usable and connected administrative solutions from invoicing to accounting.

Tide is transforming the small business banking market with over 1.6 million globally across the UK, India, Germany and France. Using advanced technology, all solutions are designed with SMEs in mind. With quick onboarding, low fees and innovative features, we thrive on making data-driven decisions to help SMEs save both time and money.

Tide facts:

• Tide is available for UK, Indian, German and French SMEs
• Over 1.6 million members: 800,000 UK and 800,000 in India and growing rapidly
• Over $200 million raised in funding
• Over 2500 Tideans globally - we're diversity champions!
• We have offices in Central London, with a member support and technology centre in Sofia, Bulgaria, technology centres in Serbia, Romania, Lithuania and Hyderabad and offices in Gurugram and New Delhi, India

AOBUT THE TEAM

As an Ongoing Monitoring Analyst, you're the first line of defense against financial crime. You'll monitor customer transactions and behavior to detect and prevent AML, fraud, sanctions breaches, tax evasion, and other suspicious activity. Your keen eye for detail helps you distinguish between genuine use and potential threats, keeping our platform safe for all members. We're looking for a curious, analytical, and proactive investigator who thrives on solving complex problems and reducing financial risk. This role is key to protecting our customers and maintaining trust.
ABOUT THE ROLE

• Analysing transactions across a variety of payment types and products, looking for signs of financial crime including money laundering and terrorist financing
• Sanction screening various payment types, differentiating genuine hits from false positives.
• Undertaking full profile reviews based on potentially suspicious triggers or periodic timeframes.
• Confident in calling out potential efficiencies in our tools and processes used for transaction analysis
• Be confident in using a variety of tools to undertake different types of investigations

WHAT WE ARE LOOKING FOR

• You have good communication skills in both German and English (B2+)
• You have a good eye for detail and are able to identify suspicious activity.
• You have 1+ years of experience working in AML and transaction monitoring controls following UK regulations.
• You have strong understanding and experience of CDD and EDD processes
• You have experience within financial services e.g. Banking sector and Fintech
• You have a genuinely curious mindset, asking the right questions at the right times, with a problem solving attitude.
• You have a keen eye for process improvements, looking how we can work leaner and more robustly.
• You have an analytical mind and are able to digest large data sets and spot patterns and trends with ease
• You are a quick learner, explorer, multitasker and are happy to be flexible shift patterns
• You have exceptional English and German skills - written and verbal - and are able to communicate with our members, internal stakeholders & regulatory bodies if required
• You are flexible in working different shift patterns (no night shift)

WHAT YOU WILL GET IN RETURN

• 25 days paid annual leave
• 3 paid days off for volunteering or L&D activities
• Personal L&D budget
• Mental wellbeing platform
• WFH equipment allowance
• Flexible working from home
• Sabbatical Leave

TIDEAN WAYS OF WORKING

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.

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.

Disclaimer

It has come to our attention that individuals or agencies are falsely claiming to represent Tide and are reaching out to candidates regarding job opportunities. Please be aware that:

• Tide does not charge any fees at any stage of the recruitment process.
• All official Tide job opportunities are listed exclusively on our Careers Page and applications should be submitted through this channel.
• Communication from Tide will only come from an official @tide.co email address.
• Tide does not work with agencies or recruiters without prior formal engagement, and we do not authorize third parties to make job offers on our behalf.

If you are contacted by anyone misrepresenting Tide or requesting payment, please treat it as fraudulent and report it to us immediately at [email protected]
Your safety and trust are important to us, and we are committed to ensuring a fair and transparent recruitment process.

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