Sanctions Risk Oversight & Advisory Specialist (2nd Line of Defence)

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

About The Team

Sanctions Risk Oversight & Advisory Specialist

The 2nd Line sets the policies, frameworks, and standards for Tide and provides independent oversight, advice, and challenge to the 1st Line operational teams. It ensures that controls are effective, incidents are appropriately managed, and regulatory expectations are met.

sanctions oversight and advisory

About The Role

As a Sanctions Oversight & Advisory Specialist you’ll be:

• Acting as the UK, EU, UN, and OFAC sanctions subject matter expert.
• Providing guidance and advice on new and existing sanctions regulations and identifying material regime changes.
• Maintaining and developing global sanctions compliance policies and frameworks.
• Overseeing and reviewing sanctions screening systems and periodic testing conducted by 1LOD teams to ensure they operate effectively and align with Tide’s risk appetite.
• Assessing business and risk impacts of regulatory or system changes and advising on required control enhancements.
• Providing independent challenge and support on sanctions-related reviews and investigations led by 1LOD and regional 2LOD teams.
• Partnering with regional Financial Crime teams to advise on complex sanctions issues and investigations.
• Owning and maintaining the firm-wide sanctions and proliferation financing risk assessment.
• Conducting compliance monitoring to ensure adherence to global sanctions regimes.
• Completing ad-hoc oversight and advisory tasks as required to strengthen Tide’s sanctions framework.

What We Are Looking For

• 4+ years’ experience in AML/CTF and Sanctions roles within an FCA/PRA-regulated financial services firm, specifically in a 2nd Line of Defence (2LOD) function such as Risk Oversight, Compliance Advisory, or Policy Governance.
• Strong familiarity with UK, EU, UN, and US (OFAC) sanctions regulations, with the ability to interpret and apply these across complex business models.
• Demonstrated experience providing independent oversight, challenge, and advisory input on financial crime controls rather than executing operational screening or investigations.
• Experience within a Financial Crime or Compliance team covering areas such as CDD, risk assessment, transaction monitoring oversight, and thematic reviews.
• Strong analytical skills with the ability to interpret data, identify control weaknesses, and produce high-quality management information (MI).
• Excellent oral and written communication skills, enabling effective collaboration and influence across cross-functional teams and senior stakeholders.
• Proven ability to work independently and exercise sound judgement in a fast-paced, high-volume environment.

What You Will Get In Return

Our location-specific employee benefits are designed to cater to the unique needs of Tideans:

• Self & Family Health Insurance
• Term & Life Insurance
• OPD Benefits
• Mental wellbeing through Plumm
• Learning & Development Budget
• WFH Setup allowance
• 15 days of Privilege leaves
• 12 days of Casual leaves
• 12 days of Sick leaves
• 3 paid days off for volunteering or L&D activities
• Stock Options

TIDEAN WAYS OF WORKING

flexible workplace

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.

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