KYC Policy and Procedure Manager

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 (UKEU) 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 LD activities Extended maternity and paternity leave covered by the company Personal LD budget Additional health dental insurance Mental wellbeing pl ... (truncated, view full listing at source)