Policy and Procedure Lead - Ongoing Monitoring

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 and now supports over 2 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 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 2 million members across UK and India

• Over $300 million raised in funding

• Over 2,800 Tideans globally

• Recognised with Great Place to Work certification three years in a row, and among India’s Top 50 Best Workplaces in Banking, Financial Services, and Insurance in 2026

• 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, New Delhi, Berlin, Paris and Luxembourg

About the Role:

• As a Lead, Policy and Procedure, you'll sit within Tide's Ongoing Monitoring function and take ownership of the design, drafting, and ongoing maintenance of our financial crime policies and procedures — covering AML, counter-terrorist financing, sanctions, fraud, and anti-bribery and corruption.

• Working at a senior level, you'll partner closely with senior stakeholders across Compliance, Risk, and Operations to make sure our policy framework stays current with UK regulatory expectations (FCA rules, the Money Laundering Regulations, and JMLSG guidance) and reflects how the business actually operates. You'll also play a key role in maintaining the wider financial crime control framework, translating policy requirements into practical, well-governed controls, and supporting risk management across our financial crime operations.

• This is a role for someone who enjoys precision and structure, but who can also see the bigger picture — balancing regulatory rigor with commercial pragmatism in a fast-growing, member-first fintech.

Some of the Things You’ll Be Doing:

• Owning the end-to-end lifecycle of Tide's Ongoing Monitoring crime policies and procedures — drafting, reviewing, version control, approvals, and periodic reviews.

• Designing and maintaining the Ongoing Monitoring control framework, ensuring controls are clearly mapped to policy requirements and regulatory obligations. Monitoring regulatory developments (FCA, HM Treasury, OFSI, JMLSG and other relevant bodies) and translating changes into timely policy and procedure updates.

• Partnering with Ongoing Monitoring Operations & Product Teams, Second Line of Defence, and Risk teams to ensure policies are operationally workable and embedded in day-to-day practice.

• Supporting internal audits, regulatory examinations, and assurance reviews with policy documentation, control evidence, and subject matter expertise.

• Conducting gap analyses against new or changed regulation and guidance, and coordinating remediation where policy updates are needed.

• Providing SME guidance to the business on policy requirements. Contributing to the wider risk management framework across financial crime operations, including risk assessments.

• Building strong working relationships across first and second line teams to ensure consistent application of policy.

What We Are Looking For:

• Significant experience in financial crime compliance, with a focus on policy, procedure, or control framework design within a UK-regulated bank, payments firm, or fintech.

• Strong working knowledge of the UK financial crime regulatory framework, including FCA requirements, the Money Laundering Regulations 2017, and JMLSG guidance.

• A track record of drafting and maintaining clear, practical policy and procedure documents, including managing governance and approval processes.

• Experience designing or maintaining a financial crime control framework and supporting risk management activity.

• Strong stakeholder management skills, with the confidence to operate and influence at senior level across Compliance, Risk, and the wider business.

• Excellent analytical and drafting skills — able to translate complex regulatory requirements into clear, actionable policy.

• Experience with regulatory horizon scanning, gap analysis, and remediation planning.

• Comfortable operating in a fast-paced, high-growth environment with competing priorities.

• Experience supporting internal audits or regulatory examinations is highly desirable.

What you’ll get in return:

• Competitive salary

• Vitality Health Insurance, with a proactive focus on mental and physical wellbeing

• Hundreds of perks and discounts through Vitality Health Insurance (fitness watches, Waitrose cashback, gym membership etc.)

• 24/7 Employee Assistance Programme

• 25 days holiday with the ability to buy extra days

• Professional L&D budget

• Referral bonus when you bring your friends to join Tide

• Access to ‘salary sacrifice’ benefits such as Cycle to Work scheme and pension contribution

• Spacious brand new office in Liverpool street with an all-day snacks bar

• Enhanced family-friendly leave

• 24 hours paid volunteering time off per year

• Flexible work from home or at the office arrangement

• Sabbatical leave

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.