Financial Crime Risk Manager

Join to apply for the Financial Crime Risk Manager (Responsable du signalement du blanchiment d'argent) role at Tide. About Tide At Tide we help SMEs save time and money in the running of their businesses by offering business accounts, banking services, and a comprehensive set of administrative solutions from invoicing to accounting. Tide is transforming the small business banking market with over 1.6 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 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 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, India. About The Team We are a dynamic, forward‑thinking group of professionals, deeply committed to supporting Tide in its growth while maintaining the highest standards of regulatory compliance and risk management. We have great cross‑collaboration both within and outside the team and pride ourselves on our team culture, ways of working and the support we provide to each other and to the business. In joining the Compliance Team, you will be part of a supportive and knowledgeable group, with opportunities to work on complex, high‑impact projects that contribute directly to Tide’s success and growth. You’ll be encouraged to bring new ideas, challenge the status quo and take ownership of key compliance initiatives. About The Role The MLRO (Money Laundering Reporting Officer) is responsible for ensuring the company follows all relevant anti‑money laundering (AML) and counter‑terrorist financing (CTF) laws, regulations, and internal policies in France. The MLRO also serves as the main point of contact for French financial intelligence units (FIUs) and regulators. The French MLRO reports into the Tide European MLRO. Regulatory Compliance Oversee and ensure compliance with ACPR AML/CTF laws & regulations. Oversee and ensure compliance with French AML/CTF laws, regulations, and TRACFIN circulars. Stay up to date with changes in AML/CTF laws and regulations in Luxembourg and the EU, and update internal policies and procedures as needed. Reporting Act as the primary contact point for the FIU and the ACPR. Receive and investigate suspicious transaction reports (STRs) and suspicious activity reports (SARs). File STRs/SARs with the FIU when appropriate. Policy & Procedures Implement and maintain robust AML/CTF policies, procedures, and controls across France. Conduct regular reviews and updates of the AML/CTF framework to ensure its effectiveness. Risk Management Lead the AML/CTF risk assessment process, identifying and mitigating money‑laundering and terrorist‑financing risks. Provide guidance on complex AML/CTF issues and high‑risk client relationships. Training Deliver comprehensive AML/CTF training programmes for all relevant staff members. Ensure staff are aware of their AML/CTF obligations and responsibilities. Oversight & Monitoring Oversee the client onboarding process, ensuring proper Know Your Customer (KYC) and Customer Due Diligence (CDD) procedures are followed. Monitor transactions and customer behaviour for suspicious patterns. Internal Communication Report regularly to senior management and the European MLRO on AML/CTF matters, including compliance status, identified risks, and remediation efforts. Collaborate with Legal, Compliance, 1st Line Operations to ensure a cohesive approach to AML/CTF. What We Are Looking For Minimum of 5 years of practical experience in financial crime roles within a UK or European Banking Authority‑supervised firm, preferably TRACFIN, ACPR or CSSF regulated financial services firms and a good understanding of best practice. Experience engaging with Financial Intelligence Units or other law enforcement organisations in the EU. Confident decision maker, capable of making risk decisions on suspicious transactions and PEPs. Experience in conducting Financial Crime risk assessments and ability to communicate effectively with 1LOD teams. Understanding and oversight of key financial crime risk indicators and metrics. Capability to create metrics, summarise them into an easily digestible report with key trends for senior stakeholders. Excellent verbal, written, and interpersonal communication skills in both English and French. A passion for fighting financial crime and for engaging with external forums to have an impact. Self‑motivated, self‑starter, able to work independently and passionate about financial crime. Enthusiastic about using technology, excited about building from the beginning, scaling and understanding financial crime risk associated with products. Ability to multitask and thrive in a fast‑paced, team environment; adaptable to change and able to set and adjust priorities. What You Will Get In Return 30 days of paid leave per year. Additional 3 days of paid leave for volunteering or L&D. Personal L&D budget. Extended parental leave. Mental health support through Plumm. One‑off home office budget. Work and travel globally – up to 90 days per country outside of your home country. Sabbatical leave. Option to take your work device as your own (eligibility applies). Tidean Ways of Working We champion a flexible workplace model that supports both in‑person and remote work to cater to the specific needs of our 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 hubs for innovation and team‑building, where we encourage regular in‑person gatherings to foster a strong sense of community. Diversity & Inclusion 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 and foster a transparent and inclusive environment where everyone’s voice is heard. #J-18808-Ljbffr