KYC Policy and Procedure Manager at Tide Platform

, , Bulgaria -

Full Time

Start Date

Immediate

Expiry Date

20 May, 26

Salary

0.0

Posted On

19 Feb, 26

Experience

5 year(s) or above

Remote Job

Yes

Telecommute

Yes

Sponsor Visa

Skills

KYC Policy, Procedure Management, 1st Line of Defence, Risk Management, Compliance, AML Regulations, CDD, EDD, Regulatory Interpretation, Policy Drafting, Product Development Compliance, Stakeholder Challenge, Financial Crime Regulations, 4AMLD-6AMLD, Risk Communication, Italian Language

Industry

Financial Services

Description

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 1.8 million members 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 serve our mission: to help SMEs save both time (and money) so they can get back to doing what they love. Tide facts: Tide is available for UK, Indian, German and French SMEs Over 1.8 million members: 800,000 UK and 1,000,000 in India and growing rapidly Over $300 million raised in funding Over 2,500 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, and in Berlin, Paris and Luxembourg. ABOUT THE TEAM: Tide’s KYC (Know Your Customer) team verifies customer identities, assesses risk profiles, and ensures compliance with anti-money laundering (AML) regulations. We gather and analyse customer information, perform CDD (Customer Due Diligence) and EDD (Enhanced Due Diligence) activities, and maintain records to prevent fraud and financial crimes. ABOUT THE ROLE: As a KYC Policy and Procedure Manager, you will report to Head of KYC Policy and Procedure Europe (UK&EU) and support the definition and implementation of the 1st Line of Defence policies and procedures within the KYC organisation, covering the UK and EU (Italy as a main responsibility, Germany, France, Luxembourg). Your role is pivotal in ensuring that KYC practices align with regulatory requirements and internal policies across these jurisdictions. Responsibilities: Assist in interpreting financial crime regulations and advising on Tide’s compliance approach for the UK and EU (with main focus on Italy). Contribute to the drafting and maintenance of KYC policies and procedures. Review and assess current processes for policy adherence and collaborate on necessary changes. 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: Experience in a 1st Line of Defence function, Risk & Compliance, or Internal Audit In-depth knowledge of financial crime regulations and ability to stay updated with regulatory changes in the UK and EU (Italy - as a main responsibility, Germany, France, Luxembourg). Familiarity with 4AMLD-6AMLD Pragmatic approach to balancing regulatory requirements with customer service and commercial objectives. Strong communication skills to articulate regulatory risks and trade-offs in processes and procedures. 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 a BaFin, AMF, CSSF, or Banca d’Italia–regulated environment, with experience in FinTech being a plus. Enthusiastic about delivering excellent service to members while managing risks effectively. Working knowledge of Italian language is a great advantage. WHAT YOU’LL 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 Transportation bonus to cover office commute under the hybrid work arrangement 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. 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 talent@tide.co Your safety and trust are important to us, and we are committed to ensuring a fair and transparent recruitment process. Tide leverages AI to enhance our hiring experience. You can read more about how we use AI in our recruitment process in our AI Policy. Your personal data will be processed by Tide for recruitment purposes and in accordance with Tide's Recruitment Privacy Notice.

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Responsibilities

This role supports the definition and implementation of 1st Line of Defence policies and procedures within the KYC organization across the UK and EU, with a main focus on Italy. Responsibilities include assisting in interpreting financial crime regulations, drafting policies, and collaborating with the 2nd Line of Defence on changes.