KYC Analyst

Proactive Investigations Analyst

ABOUT THE ROLE: 

Here at Tide, we are looking for proactively minded and accomplished Investigators with an in-depth understanding of Fraud and Financial Crime risk mitigation. We need a passionate and experienced individual, who will help ensure Tide is taking all the relevant steps to prevent all aspects of financial crime. 

As a Proactive Investigator, you will be responsible for conducting in-depth financial crime investigations with a key focus on risk based decisioning, therefore you should be skilled in detecting and investigating financial crime typologies such as money muling, smurfing, fraud scams, human trafficking, terrorist financing, tax evasion and bribery and corruption.  You will have experience of carrying out intelligence-led enquiries and be confident in dealing with ambiguous or unusual lines of enquiry.  You will have a keen eye for relevant information, identifying trends, correlations and patterns and deriving insights from your analysis.  You will be comfortable working autonomously, handling and analysing large data sets and taking appropriate steps to mitigate concerns or to identify suspicious activity. 

You will be part of our high performing Proactive Investigations team, reporting to the Proactive Investigations Team Leader, and have a proven track record in working to set targets and SLA's. You will be involved in Financial Crime projects working with other teams across the business such as the Fincrime Intelligence Unit and our second line of defence team, so stakeholder management, flexibility and organisational skills are key.

As a AML & PA (Investigations) Analyst you’ll be: 

• In collaboration with the Fincrime Intelligence Unit, investigating proactive and intelligence-led cases covering all financial crime types, discovering potential links, analysing complex networks and organised crime groups. 
• Identifying correlating factors, patterns and trends, using your insights to build Tide’s understanding of financial crime risks and how to mitigate against them
• Collating information relating to all types of financial crime for inclusion within reports to Law Enforcement Agencies, including SAR submissions
• Consistently reaching 95% or above in QA/QC checks in all elements of the role
• Liaising with law enforcement agencies where required and conducting typology and sector reviews
• Managing your own case load to meet performance targets
• Supporting the alert review teams through coaching and buddying in how to identify suspicious behaviour
• Have a keen eye for potential efficiencies and help to embed these
• Implementing and ensuring timely compliance to new or revised standards and procedures
• Assisting the Team Leaders and Senior Analysts with other financial crime related tasks and projects as required
• Conducting phone calls with Tide members who are under investigation

WHAT WE ARE LOOKING FOR: 

• You have between 1-3 years of experience in an Investigations role, specialising in business-related anti-money laundering/fraud investigations at a leading FinTech or bank.
• You are able to work well as part of a team; decisive; goal-oriented; proactive.
• You have a good understanding of the UK regulations (including POCA, TACT) and EU regulations.
• You have excellent verbal, written, and interpersonal communication skills in English
• Experience with conducting phone calls with customers.
• You have conducted investigations, including transaction reviews and third party referrals.
• You are able to multitask and successfully operate in a fast-paced, team environment.
• CAMS or ICA certifications would be a bonus.
• You may also have a university degree.

WHAT YOU’LL GET IN RETURN:

• Competitive salary
• 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

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.